3 Mark Financial, Inc.

June 26, 2019

Join Jim Grauel Regional Vice President, Legal & General for

The Long Term Solution

Legal & General is the first carrier to offer up to 40 years of level term life insurance coverage.  The super-competitive OPTerm product series is available in term periods of 10, 15, 20, 25, 30, 35 and 40 years!

Webinar Later Today at 3:00 pm central

Is PruLife Custom Premier II Right for the Clients You’re Working With? 

Looking for a little help in determining which product could work best for your client? Use this quick snapshot to see how the traditional clients for PruLife Custom Premier II compare to those for PruLife Index Advantage UL, VUL Protector, and PruLife Founders Plus. Learn more. 

Help Grandparents Leave a Lasting Legacy

Life insurance can help secure the futures of their kids and grandkids. Use our client brochure to help promote this idea.  Read more. 

 Life Changes – And Your Clients Need an IUL Policy that Can Adapt

Your clients' lives will change as they approach retirement. Our Change of Situation brochure shows how an IUL policy can help clients adapt to changing products, situations and market environments.  Read more. 

 Save Your Clients Money with Fit Credits

Learn how your clients can qualify for our Fit Underwriting Program and what features make it unique.  Read more. 

AG News

Click here to view the June 20 edition of AG News.  Where you will find sales ideas and links to numerous AIG resources.

Longevity Planning in 7 Steps

Listen to retirement planning expert, Tom Hegna, speak to the importance of guaranteed life insurance, long term care and his #1 concern…planning for longevity.  Play the Podcast

Credit timing matters with indexed universal life

With their complex policy features and crediting rates, IUL products can be difficult to explain. Hopefully, I can help simplify that story for you.

Symetra calculates index credits based on the beginning value of the index segment to prevent index returns from being reduced by policy charges.  Our new flyer highlights the effect this timing can have over the duration of the policy

AM60: Beneficiary Designations

Morgan Scott has introduced a new video series to educate producers on Advanced Markets topics in about 60 seconds. Watch his first AM60 video to learn about beneficiary designations and how small titling errors can lead to big consequences for the insured’s family.  Watch now.

How Retirement Scoring Can Help Reach New Clients

The Alliance for Lifetime Income's new RISE Score™ helps assess how well clients are prepared for retirement, and can help you share options to increase their retirement income readiness.  Read more.

New, Low-Fee Model Portfolio Increases Protective Life's Projected VUL Income

On May 1, we launched our new Growth model portfolio with Protective® Strategic Objectives VUL. The model is specifically focused on accruing income for retirement, also known as Life Insurance in Retirement Planning (LIRP). View the details. 

Live a Healthy Life and Save with Vitality Term

See how John Hancock Vitality Term protects your clients, while also recognizing and rewarding them for living a healthy life.

 Celebrate John Hancock Vitality with Nearly Twice as Many Referrals

With a 92% customer satisfaction rating, it’s no wonder policyholders are recommending John Hancock Vitality 2x as often as traditional life insurance. So, talk to your clients today and see what word of mouth can do for your business.  Learn more. 

Looking for a Sales Boost?

Check out the consumer approved case study brochure to show your clients how Signature IUL can be used for unique situations.

Get straight talk about high IUL Fees

Indexed universal life (IUL) insurance products can come with a variety of multipliers and bonuses designed to help clients get more income and growth potential from their policies. 

What clients may not realize is that some carriers charge such high fees for these features that the premiums aren’t enough to cover the expense — which means they’ll have to rely on the market to make up the difference.  Click here

More Competitive Pricing for PL Promise Term!  Plus Fluidless Underwriting!

We’ve repriced PL Promise Term Life Insurance1 to ensure you have pricing and underwriting advantages for clients ages 50-69 to maximize the number who may qualify for PL Smooth Sailing, Pacific Life’s answer to fluidless underwriting.  View the Flyer

Find New Opportunities with Business Owners

Business owners have many needs. So how do you determine which ones are most important to them and what solutions might be a good fit? Explore these tools to help you through the process. 

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.

Updated Cost of Care Calculator

Long-term care cost estimates are higher than ever, as you'll see in our newly updated Cost of Care Calculator. Prices continue to rise in every US state, for every level of care. Our calculator can be a valuable sales tool to help producers educate their clients on the cost of services. By helping clients make good decisions based on their unique situation, we can help keep them in their own homes with a lifestyle their families are used to.

Nationwide CareMatters® II long-term care (LTC) coverage isn’t a one-size-fits-all product. It offers a variety of customizable features, including new premium payment options that help make it more accessible for more clients:

Pay to Age 65 and Pay to Age 100: Each option helps to spread out a client’s payments over a longer period, potentially resulting in a lower payment
Increased 1035 and lump-sum payment flexibility: A client’s premium payment is no longer required to equal their initial 1035 exchange and/or lump-sum payment.

 LTC Expenses Aren’t Included in Medicare or Retiree Health Insurance

There are a number of options for LTC, and each varies in cost. Your clients will need to know how to pay for home health care, assisted living, adult day care, and nursing home care or another type of LTC. The bottom line is that the burden for paying for LTC costs rests almost entirely on individuals and their families. That’s why helping your clients plan in advance for their long-term care needs is so important. Read more here.

Continued

Use our sales idea to help your advisors determine whether Nationwide CareMatters II may be a good fit for their clients.

We've upgraded the Care Solutions product training experience!

OneAmerica® has made enhancements to our Care Solutions product training modules. We’ve boosted your experience with voiceover narration, a menu of options and knowledge checks to make sure you’re on track. Now you can select training by product name rather than product suite, so you can choose individual modules based on what you like to sell.  Click here to lear more.

Asset Care Sales Kit

Boost your sales with our new Asset Care producer training materials including the product training deck, product and process guides, and product cheat sheet. Download sales kit now. 

Coming in July: Updated Asset Care®

By Jan. 1, 2020, all issuers of life insurance are required to reprice their products according to the 2017 CSO mortality tables. OneAmerica® has updated the benefits and pricing within our whole-life based Asset Care® product suite, and we will be launching a new product in July!  Learn More

Asset Care Transition Rules

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

Want to become more efficient at filling out e-applications? Not sure how to sign an application? Have questions about the e-application process?

Did you know…
• The iPipeline support team offers a free, live training demo of the iGO e-application software.
• The demo walks through the entire e-application process from starting a case to signing and submitting it to the carrier.

To sign-up, click the link below. Demos are held every Thursday a 3PM EST.

New Business Digital Enhancements Will Help Improve Application Processing Time

TeleLife® text messages and voice signature are making it even easier to do business with Protective — for both agents and for clients. With these new digital capabilities, you can expect streamlined front-end cycle times, resulting in an expedited policy delivery to clients.  Learn 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

Great news, your clients no longer need to wait for their lab results!

Click here to read the announcement

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.