3 Mark Financial, Inc.

May 22, 2019

Join Kyle Gardner, CRPC, AAMS, AWMA from Tennyson Capital Partners as he discusses.

Creative Planning Strategies

Webinar Later Today at 3:00 pm central

Tennyson Capital Partners (TCP) was founded to provide tailored estate and distribution options for high net worth individuals, families and business owners across the country.

Wellness for Life Hits the Mark 

What role do insurance incentives play in inspiring customers to live healthier lifestyles? A study commissioned by Global Atlantic revealed the answers to this question and other insights into the link between wellness and insurance. Offering some simple incentives might positively impact your sales.  See the results.

Great news! LifeInsight has Launched a New Feature: LifeInsight Summary!

You spoke and we listened! Producers have asked how they can share the value of LifeInsight with their clients. That’s where our new LifeInsight Summary report comes in!  Learn more.

 PruXpress Web Case Status Enhancement

In January 2019 Individual Life released a PruXpress Web Case Status enhancement that provides the opportunity to flag individual cases as “Favorites.” This functionality allows the identification of specific cases being monitored as a “Favorite” and functionality to filter them specifically into Web Case Status, eliminating the need for manual listings or tracking.  Read More.

Social Security Max

Planning how and when to take Social Security benefits can be a daunting and complex task for married couples. Choosing the best strategy depends on a number of factors to consider. Read more.

Single-Parent Finances: A Financial Checklist for Moms & Dads
Twenty-seven percent of children under age 18 live in a single-parent household in the U.S., according to 2016 statistics from the Census Bureau. Of these households, 80 percent are headed by single mothers and 20 percent are headed by single fathers. Given the rising number of children being raised by single parents, it's more important than ever to discuss single-parent finances.  Learn more.

 Product Specifications on the Marquis Centennial

The Lafayette Life Insurance Company is pleased to announce that we have added new J.P. Morgan and Goldman Sachs Indices to the Marquis Centennial for new sales as of April 1, 2019. Some details from the Spec Sheet can be found below, and but click the button below to more information on the Marquis Centennial.  Read more.

It's Always a Good Time for an IUL Refresher Course

Even simple IULs like ours have a lot of moving parts. Our Understanding the Mechanics of IUL presentation is a good refresher on the fundamentals of an IUL.  Read more.

 What If Your Client Wants to Stop Paying Premiums?

Most GULs aren't very flexible. With ours, clients can reduce their death benefit, stop paying premiums and have the death benefit be guaranteed for the rest of the original guarantee period. Find out how.

 LTCi Shared Care Rider

We've all heard the term sharing is caring, so why not encourage your clients to share long-term care benefits?  Read more.

New Chronic Illness Care Rider with PL Promise GUL

Beginning May 13, 2019, your clients can include chronic illness rider protection with new issues of PL Promise GUL2 guaranteed universal life insurance policies. Quotes available on Winflex.  Full bulletin.

Help Increase Your Revenue with Our Sales Idea

Help your clients understand the importance of diversifying their portfolio, reducing market risk, and providing death benefit protection by adding fixed index universal life (FIUL) insurance to their overall financial strategy with our sales idea “Balancing your portfolio’s risk and return potential with a low-correlation asset.”.

Helping You! With Lower Rates and Accelerated Underwriting.

We Listened. We Heard You. And What You Want is a Click Away!  Learn more.

Illustrated Rates vs. Effective Rates of Return 

When one carrier has a feature like a multiplier and another doesn’t, how can you truly compare the two illustrations? An efficient way to compare two products is to look at the effective rate of return – instead of the illustrated rates.  Learn more.

The Latest Issue of The Lincoln Life Leader

Click here to read the latest issue of The Lincoln Leader for updates on VULOne, Lincoln Care Coverage ABR, and more.

 Monthly Market Observations

Click here for a brief client-approved recap of Lincoln's observations on markets and volatility.

1+1=100. No - Really!

Our new Term/GUL Sales concept will help you show clients how Term life insurance can protect against financial risks now, and Permanent life insurance can help alleviate risks in the future - all while staying within their budget.  Learn more.

Central Intelligence

It's easy to stay current with important court rulings and legislative updates that impact our industry by checking out the summaries we provide in Central Intelligence, our monthly publication. 

 Leveraging Underutilized Assets with Life Insurance

Repositioning assets like qualified plans or IRAs through the purchase of life insurance can be a very effective way to create liquidity and maximize legacy plans.  Read more.

Every Client is Important to Us

Here at Securian Financial, every client matters and we have a history of putting their needs first. Unlike some carriers, we:

• Offer the same growth cap rates to all of our clients.
• Provide current clients the opportunity to exchange or convert their policies to new products that better meet their needs.* 
• Include our existing policyholders when product enhancements are made.

 Learn more.

Participation Rate Increase

We increased the participation rate for Indexed Account G on the Indexed Universal Life products referenced here.

40 Days of 40-Year Term

Don't forget to share this long term solution with your agents and boost your sales in 2019 with Legal & General America.  Read more.

Three Steps to Ensure Business Owners are Prepared for Future Transitions

A retirement buy-sell arrangement, funded by permanent life insurance, can help business co-owners make sure that they, their families and their businesses are set for the future.  Concept guide. Case study.

 Does Money Buy Happiness?

Dr. Benjamin Cummings, American College of Financial Services, discusses the psychology behind establishing financial goals, making decisions and the role our emotions play in setting and reaching our desired outcomes.

Podcast (22 minutes).

 Roth IRAs Maxed Out? Here’s an Alternative.

Clients looking for tax-efficient ways to grow retirement savings may find they have reached their limits with Roth IRAs. Here’s another option: permanent life insurance as a Roth IRA alternative.  Case study. 

Economic Review and Outlook: Energy Prices Up, But Not Much Else

The CPI rose by 0.3 percent in April due to higher energy prices, but the core CPI was weaker again, up by only 0.1 percent. Financial markets had a rough week as investors digested renewed strains in U.S.-China trade discussions.  Read more.

New Insights on Business Owners 

Looking for conversation starters? Check out the pulse of today’s business owners in a new market study. It captures the thoughts of 1,020 business owners and how they’re prioritizing the financial conversation for their business, their employees and their lifestyle. For example, did you know just 46% of business owners have business protection? It’s a No. 1 priority since 2010, yet just under half have solutions in place.  Read the report. Business owner research microsite.

Hybrid or linked-benefit products are a fresh approach to retirement and estate planning. These products, cover opposing risk groups by combining long-term care coverage with life insurance or an annuity.

Introducing Nationwide CareMatters II

I’m pleased to announce that on 5-13-2019 we will be launching a new linked-benefit LTC life insurance product, Nationwide CareMatters® II.  

CareMatters II is a flexible, competitively-priced linked-benefit universal life policy that offers clients:

• Flexibility through cash indemnity LTC benefits that help clients obtain care where and from whom they prefer
• Choice of a variety of payment options, including pay to Attained Age 100, make the policy accessible to more clients than ever before
• Protection from inflation via one of several options, including a 3% compound option and a new U.S. Medical Care Inflation option based on changes in the cost of health care.

Transition rules. Side by side.

Elevate Your Business with Care Solutions Campaigns

Looking for resources to enhance your marketing efforts and take your business to the next level? We can help. OneAmerica marketing campaigns offer tools to connect with advisors and customers on a variety of topics. Visit our Marketing Toolbox to access our core marketing materials, view short videos on how to run a producer or consumer campaign, and review campaign offerings.

 Get Quick Quotes with the Care Solutions Rate Calculator

Our Care Solutions rate calculator quotes Annuity Care^® II and all Asset-Care^® products. It's easy, quick, accurate and consumer-friendly!

 Care Solutions Annuity Tax Benefits

Have you heard about Annuity Care^®? This quarter, we’re focusing on how Annuity Care can bring value for clients and producers and providing key resources for you to leverage! Take a look at two narrated presentations that tell the Annuity Care story:

• Annuity Care sales idea for producers – a must-see!
• Annuity Care client solicitation video

ASSET TRANSFER TIPS 

For all annuity carriers

Transferring assets, or exchanging money via section 1035 of the tax code, may have tax consequences. Any questions regarding taxation should be referred to a qualified tax professional.

Call the Financial Institution/Insurance Company to see what they require to transfer the money e. g. some financial institutions, like Fidelity, require a call from the client to release money, others like Northwestern Mutual require their own surrender form to accompany the 1035/transfer form from the company receiving the money.

Attach a copy of a current policy/ account statement for the funds being transferred to the 1035/transfer document.

Complete the 1035/transfer form carefully and completely. Be sure all necessary signatures are obtained.

Send original transfer forms with the application to 3 Mark for processing.

Annuity Fact Finder 

Click here for a great Annuity Fact Finder

Enhanced Underwriting Process, with the BGA in Mind

We’ve taken a number of important steps to raise the underwriting bar. We understand that the application process and underwriting decisions are major factors when selecting a life insurance carrier. See what we’re doing to ensure that the experience is a positive one for you and your agencies in the attached flyer.

Partners Group New Business Client Preparation Guides
• Preparing For Your Life Insurance Exam
• Preparing For Your Telephone Interview (Useful for non-medical cases)
• Preparing For Your Telephone Interview and Life Insurance Exam (Useful for iGO ticket submissions)

Introducing National Life Group's New Life Insurance Application 

National Life Group has simplified the life insurance application process by combining the LSW and NL writing company applications into one version, for all states other than NY and CA.

Starting May 13th, when submitting paper applications, you will be able to select the writing company (LSW or NL) at the top of your application. Selected the wrong writing company?  You won't have to get a new application signed by your client as you did before, simply notify your case manager.

Reduce Application Cycle Time by up to 7 Days

You can now minimize the time your clients spend authorizing Attending Physician’s Statements (APSs) through EMSI with OneTouch. Clients will be able to create a biometric signature that can be transferred to authorization forms sent to their doctor.

Get Started on PruFast Track Today! 

Learn more about how Prudential’s accelerated underwriting works! PruFast Track is faster, less invasive, and more efficient than traditional underwriting. Get on board PruFast Track and experience the ease and convenience today! It’s as simple as 1, 2, 3…Learn more.

Field Underwriting Update

Refer to our Field Underwriting Guide (now with new look and feel) to help position your clients’ applications for the best possible underwriting decisions. You can also take advantage of our interactive field underwriting tool on JHSalesHub.com.

Get More Program Updates

We have removed the internal and external replacement exclusion for the Get More program! Why? According to LIMRA and other industry studies, even those who have made the responsible choice to purchase life insurance often purchase too little.  Read more.