3 Mark Financial, Inc.

July 24, 2019

Join AIG's Nick Petuuzzelli for

And Introduction to iGo eApplications

AIG is excited to announce the launch of the iGo eApplication.  Why use iGO?  It's Efficient, Easier and More Accurate.  

We will review: 

• How and Why to use the iGo eApp.
• What is needed to complete an iGo eApp.
• The signature process
• What happens next after submission

Webinar later today at 3:00 pm central

Changes to Our Term Portfolio 

Term Essential® and Term Elite® have been revised.  Click here for more information.

What Every Financial Advisor Needs to Know About the SECURE Act of 2019

Prudential’s Brandon Buckingham weighs in on What Every Financial Advisor Needs to Know About the SECURE Act of 2019. The article identifies the changes in store, should the legislation pass.  Read More

A Flexible Strategy for an Uncertain Future

For married clients who want the flexibility to respond to potential changes that could be looming in an uncertain future, a Survivorship Standby Trust is one solution to consider. A properly drafted Survivorship Standby Trust allows the insured to retain lifetime access and control over the cash value of a survivorship life insurance policy while also avoiding federal estate tax on policy proceeds at the death of the second insured. 

Learn about the Survivorship Standby Trust by clicking here. 

Start a Life Insurance Conversation With Clients, Send a video.

 Share candid videos of real families talking about their honest answers to thought-provoking questions. How would people you know respond?  Send them an email in one easy click and find out.

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.

Turn business owner trends into Individual Disability Insurance opportunities

Knowing what business owners value can help you meet their protection needs. Use the 2019 business owner survey to give you — and your clients — an inside look at how they feel about protecting their business, employees and income with individual disability insurance (IDI).

Foreign National Opportunities with Global Atlantic

Join Bill Crane, VP of Advanced Markets, for a webinar Thursday July 25, at 11 am central that will dive into Global Atlantic’s Foreign National Program. Bill will walk through how the program works and the different options available to agents working in this market. Bill will also share some marketing ideas and where to find clients looking for life insurance solutions in the Foreign National marketplace.  Register here

Pull together a tailored pitch for client meetings - fast!

Our new client meeting prep tool provides a fast track to tailored sales strategies based on client generation, life stage needs, income and more:

• WHAT to sell based on their life stage, as well as
• HOW to sell it based on their generation.

Available on the Generation Matters site, this tool allows producers to enter basic client info and immediately generate a recommendation - that can be paired with any illustration.

Visit the Life Learning Center on SPA

Want product education, sales ideas and competitive information for our IUL and GUL products? Get it all in the Life Learning Center on Sales Professional Access.

How much life insurance do you need?

Answer just three simple questions to get a quick estimate, then adjust and refine your number to balance your goals and resources.

When Zero is Not Your Hero

With sales that account for 65% of all UL premium and 24% of all individual life premium the boom that the insurance industry has seen with indexed universal life is undeniable.  Producers are seeing new and enticing features on IUL launches left and right.  A popular one is the multiplier.  Click here to read 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.

Nationwide CareMatters II

With a Nationwide CareMatters^® II long-term care (LTC) policy clients always have a premium they can depend on. That’s because, unlike many traditional stand-alone LTC policies:

• Premium payments are guaranteed to never increase
• Benefits are guaranteed to never decrease
• The policy remains a liquid asset should a policyowner ever need to access it

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

Reference Materials

Now answers to your product and process questions are at your fingertips!  Consult the Care Solutions® Product Guide for details about our products and funding options.  The Process Guide combines the New Business and Underwriting guides into one handy reference to submitting Care Solutions business.

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

Quit Smoking Incentive

Click Here to learn more about the John Hancock Quite Smoking Incentive including frequently asked questions.

Simplified Issue Time Service Update

Marty Johnson VP Individual Underwriting discusses delays in processing Simplified Issue business.  Click here to read more.

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.

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.

Symetra announces ehancements to marijuana underwriting guidelines.

Click here to view the guidelines.