3 Mark Financial, Inc.

June 05, 2019

Join Lincoln Financial's Karen Gilmore-Buxton as she introduces

WealthAccumulate IUL 2019 

Webinar Later Today at 3:00 pm central

Lincoln WealthAccumulate® IUL (2019) is a life insurance policy that can give you clients flexibility for growth, access to cash value, and financial protection. It offers all the options you need to help meet a wide range of future possibilities.

Illustrating the Impact of Inflation on the IRS Per Diem with the BenefitAccess Rider (BAR)!

The cost of care during a chronic illness—like other items and services associated with health care—is subject to inflation. When explaining BAR chronic illness benefits, it’s not uncommon for the topic of inflation to be raised. With the most recent illustration update, you can now illustrate how inflation of the IRS Per Diem limit may impact BAR benefits.  Learn more.

Competitive New Term Rates and 40-Year Contest Extended!

New rates for Banner and William Penn OPTerm 10, 15, 20, 25 and 30 include a mix of decreases and increases. No changes to our highly-competitive rates for OPTerm 35 and 40. Rate decreases in more than 36% of pricing cells improved our ranking against core competitors.  Learn more.

Take Your Accumulation Sales to the Next Level!

Now with two new Enhanced Indexed Accounts, Accumulation IUL is more competitive than ever, offering unmatched retirement income potential for your clients and more sales opportunities for you.   Learn More

Leading the Pack with New Vitality Term

We’re excited to launch new rates for Vitality Term. See what’s new below:

• Lower rates: average 7% premium decrease in our core market and now #1 in many scenarios
• Greater discounts for substandard clients: Now clients with substandard ratings can see up to 20% savings* vs. our Protection Term
• Opportunity for Vitality rewards and discounts  Learn more.

 Celebrate Vitality with a 20% Higher Closer Rate!

It’s John Hancock Vitality’s fourth birthday and we’re giving you even more reasons to celebrate! With close rates that are 20% higher1 than traditional life insurance, it’s the only solution that rewards your clients for living healthy with premium savings, Hotels.com discounts, and an Apple Watch Series 4 for as little as $25.

 And don’t forget, you’ll earn even more compensation when your client buys a policy with Vitality PLUS or upgrades from Vitality GO during the first 25 months.  Learn more.

Whole Life or GUL

Universal life (GUL) insurance compare in meeting the needs of your broad market clients.  Read article.

 NEW! Chronic Illness Rider Available With PL Promise GUL

You want affordable options for your clients? We’ve got you covered.The same affordable PL Promise GUL life insurance death benefit protection you know and love now offers chronic illness protection!  Learn more.

Enhancements to Protective® Income Builder

A top financial goal for pre-retirees and retirees alike is to ensure they don’t run out of money in retirement.1 Protective Income Builder Indexed Annuity with the Guaranteed Income Benefit was designed with this goal in mind. To make it an even stronger solution for your clients who are seeking guaranteed income, effective May 6, 2019, we are making the following enhancements.

Our LTC Rider Helps Clients Maximize Their Benefits

When the need for LTC services arises, your clients will be concerned about protecting their assets and preserving their independence. Learn how to maximize their coverage with our LTC Rider. Read more.

Five Ways We’ve Made Our Underwriting Second to None

At Nationwide, we’ve always taken pride in our underwriting process, but we weren’t satisfied. Rather than make marginal improvements, we like to think we’ve taken it to a new level.  Read more.

 More Options for a Better Lifetime Fit

Your clients’ needs and preferences may evolve over time, and stock market performance will fluctuate. Change is certain, so we gave our IUL products the flexibility to change, too.  You can choose from seven indexed interest strategies that are pegged to the performance of well-known stock market indexes. These strategies offer options for more growth potential and options to match how you think the market might perform.  Please review the attached flyer to learn more and contact your local Nationwide Business Development VP to learn how it can help build more business this year.

Cultivate an Executive Bonus Plan with our GI Program

It features a streamlined underwriting process with few medical questions and minimal paperwork. Let us help you grow your business.  GI Success Story.

Webinar Replay: Protect What’s Important to Your Clients

During the May ONEmeeting, Steve Sabol and his guests looked at one big idea, planning for multiple estate tax futures, the LTC millennial opportunity and more.

Income-Tax-Deferred to Income-Tax-Free Opportunity

For clients who are seeking a more tax-efficient financial portfolio and death benefit protection, one solution they could consider is to fund a fixed index universal life (FIUL) insurance policy with withdrawals from qualified retirement plans and IRAs. With guidance from a qualified financial professional,1 your clients can complement growth potential, risk tolerance, and tax efficiency in their overall financial portfolio.  Learn more.

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.

LTC Cost of Care Tools Updated with 2018 Numbers

Prices continue to rise in every US state, for every level of long-term care service.  Read more.

Annuity Care Connections: Seasons Change, Reasons Change

Think about clients with existing annuities. Do they depend on all of their annuities for retirement income? If not, you could reposition an annuity using Annuity Care and move their money from tax-deferred to tax-free for LTC. Help clients reassess their existing annuities today with these resources.

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.

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

Personal History Interview Extended Hours Update

We have great news to share - our extended Client Interview operating hours have helped speed up the personal history interview process.  Read more.

Latest Underwriting Enhancements Make it Faster and Easier for You

Nationwide®has taken several important steps to raise the underwriting bar. We now offer a faster process, easier access to a designated point of contact, and provide competitive decisions. Click here to see what we’re doing to ensure that our underwriting process is easy and fast for you.

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)

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.