3 Mark Financial, Inc.

July 17, 2019

Join Kirk Martin, ChFC, CLU, RICP Senior Training Specialists for

Incorporating human asset protection product sales into a property and casualty practice. 

This presentation is designed for both P&C agents and life agents looking to partner with a P&C firm.  Kirk has extensive experience as both an all lines agent and trainer with a focus on incorporating life and financial services products and solutions into a property & casualty agency.  

Webinar later today at 3:00 pm central

Lincoln's Monthly Market Overview

Click below for a brief client-approved recap of Lincoln's observations on markets and volatility.  Click here to download the latest market update.

Mastering Your Indexed UL Sales

Leverage our new "IUL Academy — Mastering Index UL Sales" website to deepen your IUL understanding and help expand your sales in this fast-growing market segment.  

• If you’re a new IUL seller, explore the site for basic knowledge that will allow you to gain a strong foothold in this exciting opportunity for growth
• If you’re an experienced IUL seller, check out the site’s illustration tips and post-issue support tips to take your service up a notch

New Planning in Action Focusing on Executive Bonus Plans

Take a look at how our Advanced Markets consultants and a producer explored the various executive benefit options available to the owner of a small business, ultimately leading to the selection of a 162 Executive Bonus Plan design for a key employee.

Signature Guarantee Universal Life

You may be suprised to see just how competitive American National's Signature Guarantee Universal Life can be.  Click here to view the flyer and learn more.

Don’t Miss Catch-Up Premium Feature on PL Promise GUL & Conversion UL Policies

As of April 25, 2019, you can quote catch-up premiums on PL Promise GUL and PL Promise Conversion UL policies that extend your client’s no-lapse guarantee year-by-year with automatic billing, giving them additional flexibility on how long and how much they want to pay.  View the full bulletin.

PL Promise Term Life Insurance offers a combination no one else has:

• Competitive pricing including no nicotine and older ages
• Fluidless underwriting up to $1 million for clients ages 50-69 with no rate class restrictions

Click here to learn more.

Life Insurance For High-Net-Worth Foreign Nationals

Click here to learn more about the recently enhanced high-net-worth foreign national program from Symetra.

We’ve all heard of “The 4% Rule” in financial planning… But have you seen its new successor, “The Rule of 25?”

Watch this quick video and start using The Rule of 25 to easily assist your clients in planning their ideal savings for retirement, including life insurance.  Play Quick Video 

 Like what you see? Take it to the next level, and meet the Rule of 25’s offshoot for the financially accomplished in the “Pyramid of Philanthropy” video.  Play Next Video

Business Planning Strategies Using the Guaranteed Refund Option

Life insurance can be an important planning tool for business owners. If you have business clients that want a Guaranteed Universal Life product, make sure they understand the additional value provided by the Guaranteed Refund Option rider on United of Omaha’s GUL. The GRO rider provides flexible options for business owners who are planning for the future of their company. And, it is available at no additional cost on qualifying policies.

Here are three scenarios in which a life insurance policy with a Guaranteed Refund Option rider can benefit your business clients.

Top 6 reasons to choose IUL Protect

When Indexed Universal Life (IUL) seems like a good fit for your clients, you may want to consider IUL Protect and the top 6 reasons it stands out from the competition:

• Our unique Extra Interest Credit
• Our simple "no-math," no-lapse guarantee
• Additional benefit of the Charitable Legacy Rider®
• Simple 10% cap
• Flexibility of the indemnity true Long-Term Care ServicesSM Rider
• Charges that zero-out at age 105

Download the flyer

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.

Offer your family business clients possible solutions to their unique planning needs

You can help your clients address the unique challenges family businesses face with a simplified approach to help fit their needs. Use these tools to get started, click here.

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

Nationwide CareMatters^® II is a cash indemnity plan that places no restrictions on how clients use their long-term care (LTC) benefits. From choosing who provides care to how those expenses are paid for, Nationwide CareMatters II offers clients more control over the LTC benefits they receive. With a Nationwide CareMatters II cash indemnity plan:

• There’s no need to submit monthly bills or receipts
• 100% of the benefits can be used to pay for informal care
  

Clients may elect to receive up to 100% of their available monthly cash benefit

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

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.

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.

Click here to download a copy of the Care Solutions Process Guide

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

Updates to Underwriting Guidelines

We are excited to announce updates to our Expired Visa, Employment Authorization Document, and Marijuana guidelines that will allow more of your applicants to qualify for coverage.

Download the bulletin to learn what has changed and what remains the same.

iPipeline® - a leading provider of cloud-based software solutions for the life insurance and financial services industry - today announced SBLI (The Savings Bank Mutual Life Insurance Company of Massachusetts) has implemented iGO® Drop Ticket to simplify its Accelerated Underwriting program for independent agents and their customers. 3 Mark Financial is currently participating in SBLI's program.

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

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.