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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

July 10, 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 later today at 3:00 pm central

 

Register Now

IUL Can Be Confusing

Today’s life insurance products offer more than a death benefit. They provide opportunities for your clients’ premiums to work for them—during their lifetime. Indexed Universal Life Insurance is particularly well-suited for this goal. Due to its unique interest-crediting approach, IUL offers upside potential with downside protection.

We’ve recently developed new digital tools that make it easier than ever for you to show your clients the value of IUL, including a 90-second animated video and engaging infographics. Watch the video,  Check out the Simply Speaking reference guide.

Let your client decide between two great retirement options:

  1. Emphasize income potential of IUL, or
  2. Focus on stronger guarantees with a combination of IUL and GUL.

Review this important sales idea now! GUL/IUL Combo!

For more on Max Accumulator+ and Secure Lifetime GUL 3, visit RetireStronger.com

The Extras on Life Protection Advantage IUL

Life Protection Advantage IUL has competitive premiums. But that's not all. It also comes with value-added features that many competitors don't offer.  Click here

Accelerate the Underwriting Process for TLA

Get an underwriting decision for your Term Life Answers clients within 72 hours with our Accelerated Underwriting program.  Click here.

From competitive rates to added value, North American offers two top ranked term products that can meet the different needs of your clients.

New! Classic Term

  • For clients in need of basic death benefit protection at an ultra affordable rate.

ADDvantage® Term

  • For clients who want to get more out of their life insurance with added features and benefits at a lower rate.

Which one of our top ranked term products best fits your client's needs? Download the flyer to find out.

View the Lincoln Leader

Click here to be taken to the lastest edition of the Lincoln Leader.

 New Microsite — Retaining Top Employees and Attracting New Ones 

Take advantage of our new “Benefit betterwebsite to help you work with your small-business-owner clients as they strive to retain their top talent. Start designing a successful plan today as you see where life insurance can address executive benefit needs and why wellness should be a key part that planning. To learn even more, be sure to access our informative on-demand webinar as well.

 NEW Advanced Markets’ Blog Post — “Executive Bonus Plans Revisited”

Our newest blog post looks into ways to talk to small-business owners about using life insurance as a long-term benefit to recruit, retain and reward key employees. The time for this discussion is now, especially in light of the current low-unemployment rates, the conclusion of the first tax season under the new tax laws, and the fact that many businesses will have extra cash on hand thanks to tax savings.

 

Use the power of Life Insurance to  achieve your clients goals in a tax-efficient way.

Click here to view a new marketing piece created to help you tell this powerful story.

Rates on PL Promise Term Life Insurance

Pacific Life reinforced its commitment to serving the needs of the broad market consumer with affordable death benefit life insurance coverage by lowering rates for PL Promise Term.1

To maintain a solid customer experience, we are making the new pricing available to individual states on a rolling release schedule. The revised rates are now available in the following states:

AK, AR, CA, DE, DC, FL, GA, HI, IL, IN, ME, MI, MN, MT, NC, ND, NE, NH, NM, OH, PA, RI, SD, TN, TX, VA, VT, WV, and WY

CMO Update: Technology Matters

In this month’s CMO Update, Steve Sanders visits start-up incubator Cintrifuse in downtown Cincinnati to discuss the current state of technology and Columbus Life’s digital tools.  Watch Now

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.

Lincoln MoneyGuard® II Underwriting Expansion – Limited Time Only

Click here to view the details.

Two Ways to See Your State's Cost of LTC Services

The LTC Cost of Care Calculator and Cost of Care Brochure has been updated with 2018 numbers.  Click here.

Nationwide CareMatters II

Under many long-term care policies, clients are required to pay for their own care during the elimination period. We understand the anxiety these out-of-pocket expenses can create. That’s why Nationwide CareMatters® II now has a new retroactive payment feature designed to help ease their financial stress.

With Nationwide CareMatters II, once the elimination period is complete, client benefits for the first 90 calendar days are paid retroactively, along with benefits for the fourth month.

For more details about recovering elimination period costs, as well as other key features of Nationwide CareMatters II, check out our product overview

SecureCare UL

Making its debut last year, SecureCare is a new and improved long-term care (LTC) insurance alternative that now features a fresh look and enhanced features and benefits including:

  • Cash indemnity benefits
  • Single and multi-pay options
  • Reduced-paid up benefit

Advisor Guide 

Our updated Asset Care® product has launched!

Asset Care® is still the same great product with the same great benefit guarantees — we’ve just simplified and enhanced the product, improved consistency while maintaining flexibility, and added options that our distribution partners have asked for over the years.

Asset Care product highlights:
• Zero-day waiting period for home healthcare
• Optional joint coverage and lifetime benefits
• COB rider built into base policy
• New Single Premium Drop-In Rider on Recurring Premium Whole Life
• New 5-pay option on Recurring Premium Whole Life
Learn more

To learn more about the valuable protection provided by asset-based long-term care, visit our educational resources page.

In The Loop Annuities / LTC

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

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.

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.

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