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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

August 7, 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. 

Register Now

LTC Riders: Understanding the Differences in Design 

Our IULs offer a reimbursement model LTC Rider. Watch this short video to understand the differences between a reimbursement model and an indemnity model.

Solve the Owners Problems With Life Insurance

You can help business owners solve retirement and income replacement problems with life insurance—especially when you’re armed with the right information and approach.  S.T.O.P. (Solve the Owner’s Problems) enables you to engage business owners on these important issues. Our S.T.O.P. online resource page provides the insights, tools and resources you need—including case studies, flyers and videos—to solve retirement and income replacement challenges with life insurance.

Share the power of living benefits with your clients. 

We never expect to have to deal with a life-threatening illness. Have you shared with your clients that living benefits may help them keep up with the demands of life after diagnosis of a critical, chronic, or terminal illness?

Watch one man’s story of how a medical scare kept him from working, and how living benefits helped pay his medical bills, and mortgage, all while he recovered.

Now with new lower rates, it’s the perfect time to share the importance of living benefits with North American’s ADDvantage® Term with your clients.  Watch the video

Get the Full IUL story

The high cost of some indexed universal life (IUL) multipliers and bonuses may be hidden in illustrations showing the maximum growth rate in all years. But they can have a devastating impact on clients’ potential income in a down market.  Learn how the low-cost options available with Nationwide® Indexed Universal Life Accumulator II can offer a more resilient solution to their income planning needs.  Get resources

Introducing our four-table shave program to help make it a great year!

It can be frustrating when your client, who thinks they are totally healthy, ends up rated table C or D.  Well, good news – from now until the end of 2019, cases1 that might normally be rated tables B, C or D will get a Standard rating.  It’s just another way that our underwriting department is working to make it easy to write business.  View the full rules below, to take full advantage of this limited-time event and drive more sales!  View Rules

AIG Launches the Business Development Institute website

Are you are interested in selling more life insurance to business owners?  If so, visit AIG's Business Development Institute by clinking here.

John Hancock Spotlight, your source for the latest John Hancock news.

Click here to be transported to the JH site.

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.

PRICING IMPROVEMENTS!  

For single-pay designs, rates generally improved from 5% to 15% for all sexes, all inflation benefit options, for ages 40 to 75 and 5- to 8-year benefit durations. Learn more by viewing the related bulletin or contacting your Pacific Life Insurance Company representative.  View the Bulletin

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.

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

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.

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