3 Mark Financial, Inc.

July 31, 2019

John Hancock Presents Mastering you Indexed UL Sales

Sharpen your IUL illustration skills to close more sales by joining us for a short webinar on August 7th at 1:00 pm ET. We’ll provide insights on designing illustrations to meet your clients’ specific needs, including:

• Switching Death Benefit Options
• Choosing the right allocation options
• Illustrating loans — and more!

Don’t miss this chance to master the IUL illustration tips that can lead to more sales. 

Offer your clients an insurance plan for their retirement plan

With people living longer than ever, today’s clients and prospects are increasingly concerned about how to fund future retirement needs, including challenges such as outliving their retirement assets, funding for long-term care needs, taxes and inflation. A permanent life insurance policy such as John Hancock’s Accumulation IUL can provide an attractive solution.  Click here to learn more. 

TLE Living Benefit Rider

Our Living Benefit Riders are available at no-cost on all TLE Non-ROP policies. They provide your clients the option to access a portion of their death benefit early.

Even though they are one of the best features on TLE Non-ROP policies, Living Benefits can be a bit difficult to explain. We created a Living Benefit Riders Guide to help your agents understand them better, so they can explain the benefits quickly and easily to their clients.

The Key to Main Street?

Main Street, USA, is primarily comprised of the broad market, a group earning between $50,000 and $250,000 annually. And if they are seeking lifelong protection with certainty, see how whole life insurance compares to guaranteed universal life insurance.³ This eye‐opening article may surprise you!  Learn More

ADDvantage Term 

Our ADDvantage Term includes Chronic & Critical accelerated death benefits at no additional cost.  When you also make use of our Simple Submit E-app, clients may qualify for our accelerated UW process called WriteAway and get approved quickly without an exam or labs!  Click here to view the product flyer.

Take a deeper dive into Symetra Protector IUL   

Are your clients looking for cost effective, yet flexible death benefit protection—with the added benefit of attractive accumulation potential? Then Symetra Protector IUL, with its customizable guaranteed coverage and enhanced performance features, is worth a closer look.

Our producer’s guide takes a deeper dive into how Protector IUL’s lapse protection guarantee and enhanced crediting features provide a higher level of flexible protection for your clients.

Client-specific Sales Strategies

Our meeting prep tool provides a fast track to tailored sales pitches. No password or ID required. All you need is basic info: client first name and approximate age, but the more you enter the more you get! Try it and see.  View the video

Business owners are often focused on the day-to-day operation of their business, and future planning may not be top of mind. In fact, our recent survey of business owners showed that just over 50% have a succession plan.* Since they’ll transition out of the business someday—either on their terms or from an unplanned event—you can help ensure a smooth transition by working with them to implement a buy-sell strategy.

Use this flyer to start the conversation with your clients about planning for a successful transition from their business. To explore additional resources, visit our Buy-Sell Strategies website

Indexed Universal Life 101

Breaking into the indexed universal life market can be overwhelming.  With so much to learn like interest rate floors, indexed interest credits and loan options, it can be overwhelming.  Click here to learn 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. 

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. Review our July 1 communication for key product features, transition timelines, state approvals, training opportunities and more.

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

Streamline Your Business with Automated Delivery of Forms & Underwriting Requirements

Pacific Life’s eDelivery platform now offers automated delivery of forms and underwriting requirements electronically to Broker General Agencies (BGAs), producers, and consumers. Pacific Life is committed to being a leader in innovative technology by seeking ways to develop digital enhancements that streamline processes and increase speed of service.  View Full Bulletin

Updates to Underwriting Guidelines

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

Simplified Issue Time Service Update

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

Quit Smoking Incentive

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

Symetra announces ehancements to marijuana underwriting guidelines.

Click here to view the guidelines.