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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

July 3, 2019


Join Mutual of Omaha's Carol Tucker  for

Mutual of Omaha's Traditional LTC

Traditional LTC coverage from Mutual of Omaha is a great option to offset Long-Term Care costs. Comprehensive coverage, product flexibility to meet your client’s needs, rate stability, return of premium options and so much more.

Webinar July 10 at 3:00 pm central


Register Now

A strategy that protects clients' legacies and allows access to assets

With a spousal lifetime access trust (SLAT) strategy that uses life insurance, you can offer clients flexibility to leave a legacy while still maintaining access to their assets while they’re still living.  Discover SLAT 

Help Your Clients Embrace Tax Diversification
The U.S. tax rates have fluctuated dramatically over the years, and this uncertainty can create problems when planning for retirement. By implementing the correct strategy, you can give your clients the future flexibility to not only control their taxation, but take advantage of it!

Index Universal Life insurance can help clients by:

  • Hedging against future tax rate volatility
  • Taking advantage of future tax rate increases and decreases

Share with your clients this Tax Diversification sales concept to show them how. 

Giving Credit Where Credit is Due

Small business owners may be hesitant about setting up retirement plans because of the perceived high cost of establishing and maintaining a plan.  

Employers who set up their plans with American National are often pleasantly surprised to learn how affordable creating and maintaining a plan can be. Our fees for plan set up and administration are very competitive.  Read More

Find Out What PL Promise Can Do For Your Clients

1035 exchanges and Final Expense Coverage PL Promise GUL   Learn how our guaranteed universal life (GUL) insurance product provides death benefit protection and affordable alternative to whole life insurance for the broad market.  Get the Case Study.

National Life Group: A Decade of Historic Growth

National Life Group continues to be the fastest growing insurance company in the United States.  Read More

Executive Bonus Arrangements: Flexible Benefits for Small Businesses

 Executive bonus arrangements are highly flexible and can be used to meet a variety of planning needs while benefitting both the business owner and the employee.  Read More

John Hancock Spotlight

Your source for the latest John Hancock Insurance News.  Click here launch the latest edition.

Retaining and attracting top employees using a 162 Executive Bonus Plan with Vitality PLUS

With unemployment rates at an almost 50-year low and a competitive labor market, 1 it can be challenging for small-business owners to find new ways to attract talented employees. A 162 Executive Bonus Plan can be a great way for businesses to provide additional supplemental benefits to key employees or executives. And to further enhance the benefit to both business and employees, offer John Hancock’s Accumulation IUL with a Vitality PLUS rider through a 162 Executive Bonus Plan.  Click here to see the plan in action.

New 35 and 40 Year Term Durations!

OPTerm 40 can be a great solution for customers who are looking for affordable, longer duration options. If you haven't seen it already, check out our digital article on InsuranceNewsNet.com about this exciting new offer.

Three Compelling Products From a Well-Known Market Leader

What can our market-leading GUL and IUL products do for your clients?

  • Symetra Accumulator IUL is an indexed universal life product offering strong policy value distributions, high targets and cash value accumulation potential for future income.
  • Symetra Protector IUL is a protection-based indexed universal life product with the potential for cash value growth and with financial flexibility for unexpected or retirement needs.
  • Symetra UL-G provides guaranteed protection with lower premiums to help meet your clients’ protection and wealth transfer needs. 

Special needs planning

Caring for a loved one with special needs can present special financial challenges, too. Use these tools to help clients understand government benefits and options for supplemental benefits when needed:


As you prepare for your future, costs stemming from chronic diseases such as cancer, diabetes, Alzheimer's, and others are among the biggest you may incur.  Download Flyer

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.

Nationwide CareMatters II

A common concern about LTC coverage is the possibility that care will never be needed and premium money will go to waste. With Nationwide CareMatters® II advisors can help preserve a client's premium – even if they don't need long-term care (LTC).

That's because Nationwide CareMatters II is a linked-benefit insurance policy that also provides a guaranteed death benefit, so your clients' premium won't be lost if they never need LTC.

Visit our site to learn more about how Nationwide CareMatters II helps protect clients' LTC benefits. 

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.

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

In The Loop Annuities / LTC


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

In The Loop Underwriting New Business

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. 

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 this link  Demos are held every Thursday a 3PM EST.

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

Post-Traumatic Stress Disorder (PTSD)

Underwriting PTSD can be difficult in light of the broad spectrum of symptoms, signs, and responses to treatment that occur within this single disorder. Keep reading to find out American National’s discussion of two PTSD case studies.  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.

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