3 Mark Financial, Inc.

August 14, 2019

Reduce Your Client's Taxes In Retirement

Your Mutual of Omaha presenters are Shelley Occhiuto, ChFC, CASL, CLU, CMFC, Advanced Sales Specialists and Brad Coffin Brokerage Life Sales Director.  Shelley will review current tax rules, identify misconceptions about tax in retirement and help us understand the tools and strategies available to help you help your clients reduce their taxes in retirement. 

 Webinar Wednesday August 21, 2019 at 3:00 PM Central

LifeInsight has launched Scenario Builder!

Today, the LifeInsight tool allows users to easily track policy performance and manage both planned and unexpected changes. Our newest edition, Scenario Builder, takes this a step further, allowing producers to visualize and quickly compare potential policy changes!  Learn More!

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.

Technology Can Help Boost Your Business

eCapability tools can help simplify and expedite life insurance sales. Learn more about these time‐saving technologies for success in the broad market.  Read the Article

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

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

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.

The next evolution of term life applications is almost here

Principal Life Online is all about making life easier for you and your clients. And soon, we’ll be rolling out an end-to-end, digital solution for applying for term life insurance.  Click here to view the details.

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

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.

Learn and Earn: Care Solutions Webinars

Ready to dig into the OneAmerica® Care Solutions product suite? Our webinars will take you from high-level concepts to in-depth topics all related to our asset-based long-term care (LTC) solutions. All webinars are free to attend!

Care Solutions Suite and Concept Training

Get back to basics! Learn all about asset-based LTC solutions: how they work, how to set up sales, different funding options, product features, benefits and more. Webinars are every other Friday, 11 a.m.-12 p.m. ET.  Register now

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Care Solutions Live Deep Dives

Go in depth on topics related to our asset-based LTC solutions. Live Deep Dives are every other Friday, 11-11:30 a.m. ET. Review the topics and register for webinars.

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

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

ePolicy Delivery Enhancements

Prudential is pleased to announce enhancements to ePolicy Delivery.  Learn more 

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

Quit Smoking Incentive

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

As we communicated on July 16, 2019, we will be changing the index cap and participation rates on our Accumulator IUL product. In order to ensure a seamless transition, we have established Sept. 6^th as the date on which all Accumulator IUL cases must be issued/paid and be in-force to receive the existing cap and participation rates. (This includes 1035 exchanges.) 

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.