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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

September 18, 2019

Join Aaron Roby and Krista Johnson for

Allianz Life Pro+ Advantage

Webinar Wednesday, September 25, 2019, at 3:00 pm central 

Please join us to learn more about the NEW Allianz LifePro+ Advantage!  This FIUL policy provides flexibility and control to your clients with an exclusive  Index Lock feature, diverse index allocation options, guaranteed bonus options starting year one, and unrivaled loan flexibility.  Please join us to find out more!

Register Now

Vitality: What Do Carrots Have to Do with Life Insurance?

Read about how offering John Hancock Vitality customers a variety of rewards (or carrots) for living healthy has led to a dramatic increase in customer engagement over a short period of time. 

Have you ever had coverage amounts declined for clients you’re confident were justified?

Sometimes it’s not what you ask for – it’s how you ask…

Our new worksheets help you write good business – maybe better, and then communicate that value to underwriters. Our topics include individual and business insurance needs for:

  • Income replacement
  • Charitable giving
  • Juvenile coverage
  • Buy-sell arrangements

Click here to view the Financial Worksheets

Protect Your Family - While Paying a Mortgage  

We get it; owning a guaranteed universal life insurance policy while paying off your mortgage may feel restricting on your family’s budget. But with Protective Indexed Choice UL — using a step premium strategy — you can cover your protection-based needs with an affordably-tailored solution now, rather than waiting to protect your family later in life.  Read more.

Disability and life insurance help clients focus on risk protection

Helping clients meet today’s needs and build assets for tomorrow is important, but so is helping them protect their financial future. Individual disability insurance (IDI) and life insurance provide many solutions to help them prepare for the unexpected, like a disabling illness or injury, or death.

Talk to all individual and business clients about their risk-protection strategy. It’s easy to get started:

  • Use this infographic to highlight the need for protection.

Visit principal.com/riskprotection to see how simple it is to sell IDI and life together, and learn more about their features, target markets, and additional approach materials.

Help Grandparents Leave a Lasting Legacy

Life insurance can help secure the futures of their kids and grandkids. Use our client brochure to help promote this idea.  Read more. 

Taxation on Investments by Product Type

The Nationwide Retirement Institute has just released a new chart to review taxation on investments by product/transaction type.  This chart is a handy resource to see how various assets are taxed on interest, dividends, sales and/or distributions.  See chart. 

Mirrored Loans: Help Relieve Clients’ Policy Loan Burdens

Policy loans, combined with higher mortality costs, and high loan interest charges have subjected the policy to a potential unintended lapse––this strategy could help.  Learn more. 

Wellness for Life Hits the Mark

What role do insurance incentives play in inspiring customers to live healthier lifestyles? A study commissioned by Global Atlantic revealed the answers to this question and other insights into the link between wellness and insurance. Offering some simple incentives might positively impact your sales.  See the results.

How to amplify your business productivity

Dr. Gerry Herbison of the American College of Financial Services discusses the challenges financial professionals often face in taking their practice to the next level and the value of true leadership skills that need to be developed in order to help team members be optimally productive.  Listen to the podcast.

Top 3 common financial planning mistakes

Read about the top 3 common planning mistakes and how to best help clients prepare for them.

Are Your Clients Prepared for the Risk of Chronic Illness?

When the unexpected happens...PL Promise GUL¹ with chronic illness protection can help. What does the rider do? PL Promise Chronic Illness Care Rider³ offers benefit payments that may be used for any reason—medical or non-medical.  Read 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.

Coming Soon – Lincoln MoneyGuard® III with focus on Simplicity and Flexibility

Effective September 16, 2019, The Lincoln National Life Insurance Company (Lincoln) will introduce the latest updates to its MoneyGuard solutions suite with Lincoln MoneyGuard® III.  Learn more

Asset Care® update: Bringing value to more states

We’re pleased to announce that our updated Asset Care® product will be available starting Sept. 23, in Arizona, Connecticut, Delaware, Hawaii, New Jersey, North Dakota and South Dakota as we continue to launch the product across the country. We're also making changes in Montana, Washington, D.C., and California.  Learn 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

Announcing Life New Business eInterview Enhancements

Prudential Individual Life Insurance is pleased to announce our new electronic interview questionnaire (eInterview) process, offering an enhanced client experience, has expanded to cases in New Hampshire and Oregon and can be selected on cases submitted on the Xpress Worksheet. eInterview is now available for use in all states excluding New York.  Learn More 

Securian Financial joining iPipeline Drop Ticket!

Soon, you will be able to complete a term life insurance application in minutes! Coming the end of September, Securian Financial will be available for Drop TicketSM on iPipeline®.  Our eDelivery capability combined with Drop Ticket can help speed things up too – allowing you to experience going from application to delivery in a matter of days.  Our WriteFit Underwriting™ program will be available on Drop Ticket! With our fast and simple process, learn how you can get client applications approved in as little as 24 hours.  Learn more

Preferred Class Criteria: Low BMI

The move to Body Mass Index (BMI) for determining preferred class eligibility, is just one among recent underwriting changes helping make us more competitive. Learn more about the mortality impact of Low BMI.  Learn 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.

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