3 Mark Financial, Inc.

August 28, 2019

Global Atlantic's Foreign National Program

Join Bill Crane, VP of Advanced Sales, and Pam Livingston, Foreign National Relationship Manager, for a webinar that will dive into Global Atlantic’s Foreign National Program.  Bill and Pam will walk you through the details of the program guidelines, Global Atlantic’s differentiators and common issues with Foreign National cases. Bill will also share some marketing ideas for non-U.S. resident clients using U.S.-based life insurance.

  Webinar September 4, 2019 at 3:00 PM Central

Videos make it easy to start the life insurance conversation

You know that having a conversation about life insurance isn’t always easy, but it can be the key to a lifetime of financial wellness for a client. For Life Insurance Awareness Month and any time, you can send clients videos of real families discussing what matters most to them and how to protect their dreams as a way to open the door.  A ready-to-send email for each video makes sharing them easy.  Click here to choose your video.

Nationwide has published their 2019 Health Care Consumer Survey

Nationwide has published their 2019 Health Care Consumer Survey with many insights on how to help clients calculate the cost of future healthcare and how to best plan with their advisor for that need. I have attached a PDF of that survey, as well as a flyer for our new Phone App that helps you quickly calculate health care costs per state (estimating informal care costs vs. professional facilities, etc.). 

Signature Guaranteed Universal Life Insurance

Guaranteed lifetime death benefit protection and the option to cash-out your policy should your needs ever change.

• Guaranteed Death Benefit
• Cash-Out Rider
• Living Benefits

Click here to learn more.

Mutual of Omaha raised Option 1 Death Benefit Target premiums on our Income Advantage IUL by an average of 40% effective Aug 1, 2019. 

Mutual of Omaha’s Income Advantage:

• Lowest cost IUL product on the market
• Truly limits downside risk
• Backed by Strong, Stable, Secure Carrier
• Competitive Compensation
• Guaranteed Refund Option rider years 20 thru 25
• Chronic Illness rider ALWAYS Included

Principal Learning Network September 9, 2019 10:30 - 11:00 a.m. (Central)

To Participate: 888-804-6749 Conference ID: 1733733557

When working with business owners, it’s important to help them understand the need for a buy-sell arrangement. This teleconference will share some of the best practices in buy-sell planning, including the importance of having the right design for the business owner’s needs.

IUL is permanent, easy and guaranteed.

Find out how it works:

• Surprising comparison on GUL & IUL guarantees
• 'Bridge to IUL' Series including consumer sales concepts with scripted agent training
• Products - Protection IUL, Accumulation IUL and a Non-Med Underwriting option
• Much more

Learn more at: aig.com/IUL

Create More Value for You and Your Clients

Using a “blending up” strategy with Accumulation IUL can mean more death benefit and higher income solves for your clients — and higher targets for you!

How can clients beat the challenges of retirement income planning?

Start with a page from our Playbook! See which solution best fits each client's game plan and give them confidence as they prepare for retirement.

August 19th: LGA repriced the OPTerm 10, 15, 20, 25 and 30-year options and made some significant Underwriting changes.  Find everything you need including Admin. Guidelines at lgamerica.com/term

Focused on long-term success for all

Here at Securian Financial, all clients are important to us – whether they’ve been with us for 10 days or 10 years. Here are three reasons why you and your clients should choose Securian Financial:

1. We show our loyalty to existing customers with 50+ product enhancements
2. Our products are competitive – and built to last through market ups and downs
3. Doing business with us is quick and easy with WriteFit Underwriting™1

Want to learn more about our policyholder treatment?  Check out the flyer. 

5 Steps to Easy Policy Reviews

Not sure where to start? Learn how to prepare, prospect, and conduct more effective policy reviews.  Click here to download the guide.

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.

Welcome to a smarter, faster, and more customizable application process for Lincoln MoneyGuard^® 

Lincoln is taking the Lincoln MoneyGuard customer experience to the next level with exciting improvements that streamline the process for you and your clients. Listen to the message below to learn how these enhancements will result in a better overall Lincoln MoneyGuard experience for you and your clients.  Watch the video to learn more.

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

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

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.

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.