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3 Mark Financial, Inc.

September 4, 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 Later Today at 3:00 PM Central

A lifetime of financial wellness can start with one simple conversation

Hearing people just like them discussing their concerns can help clients become more comfortable discussing life insurance. Use these videos featuring real people speaking candidly about protecting what matters most to them to spark this simple but important discussion now during Life Insurance Awareness Month or any time.

Struggling with IUL index interest crediting?

From beginning to end, learn how IUL index interest crediting helps your client share in upside potential with none of the down.

Unleash the Power of IUL for your clients. Power Up with IUL! View the presentation.

The advantages of doing business with Nationwide keep getting stronger.

Of the many reasons to do business with Nationwide, one of the strongest is Nationwide® itself. Consider some of the attributes that set us apart:

Fortune 50 company – It’s a testament to our financial strength.
Mutual company model – We are focused on the needs of our members, not shareholders.
Diversified corporate portfolio – Having a broad portfolio allows us to navigate economic ups and downs.
High marks from top ratings agencies – Agencies like A.M. Best, Moody’s and Standard & Poor’s.
No history of COI increases – We’ve avoided raising Cost of Insurance rates to existing policyholders.

The strength and stability of Nationwide means you can be confident that we’ll be here for you – and your clients – for the long haul.

View our sales idea to find out more about how Nationwide is committed to being a carrier you can trust

Legal & General America has implemented new underwriting guidelines, including a new unisex build chart with substantial improvements for females in the Preferred classes!
We've put together an Underwriting flyer with more details about these and other changes that you can share with brokers.

Expanding your sales in the IUL market

Indexed universal life (IUL), one of the fastest-growing segments in the industry, can be a compelling solution for your clients seeking strong guarantees, upside potential and downside protection. However, breaking through the IUL jargon can be time consuming and complicated...until now. John Hancock’s IUL Academy offers tools and resources that can help you strengthen your IUL expertise, including:

Explanation of how IUL works
Overview of various IUL sales concepts
Illustration tips that can help you design a case specific to your clients' planning needs
Advanced concepts

Visit John Hancock’s IUL Academy today!

Endorsement Split Dollar — Offering Employers Increased Control

For employers looking to recruit, retain or reward key employees, there are many incentive options. To select the best plan, employers need to determine their desired level of “golden handcuff” and the level of control they want, now and in the future. An endorsement split dollar plan with a future transfer of the policy to the employee offers a strong blend of employer control, employee incentive and minimal administration. It can provide key person protection to the business, as well as potential supplemental retirement income and death benefit protection to the employee. See this plan in action.

AM60: 1035 Exchanges

In the latest edition of AM60, Morgan Scott explores an important part of our business – 1035 exchanges – and what to look for to help avoid unintended tax consequences. Watch the Video

Start the conversation

September is here, and so is Life Insurance Awareness Month (LIAM). If you’ve taken a look at our advisor marketing plan, you know that week one is all about making the connections and starting the conversation. And we have some tools to help you get started:

Approved social posts to help you build awareness of the importance of life insurance
Human Life Value consumer brochure to help your clients determine their life insurance needs at any stage of life
An approved email template to help you reach existing clients who may need more life insurance

Visit our landing page to access these tools and 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.

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

New York's Best Interest Regulation (Reg. 187) amends the existing annuity suitability regulation to include best interest, life insurance and post issue transactions. The revised regulation now applies to annuities in New York. (And effective February 2020, it will apply to life insurance in New York.) Click here to view the full announcement from W&S Financial Group Distributiors.

Important Details About Transitioning to the 2017 CSO Table

Beginning January 1, 2020 — like all U.S. life insurers — John Hancock must base any new life insurance policy issued on the 2017 Commissioners Standard Ordinary (CSO) Table. To help prepare for a smooth transition, refer to the following FAQs, which include key deadlines and impacted products (please note there are separate versions for John Hancock USA and John Hancock New York).

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.