3 Mark Financial, Inc.

October 2, 2019

Join Carolyn Burges for

Lincoln Money Guard

Webinar October 9, at 3:00 pm central 

During this webinar you will learn how to present a strategy to target your clients’ needs with these and other key features:

• Simple turn-key language and power phrases to help you better approach the LTC conversation with your clients
• How to identify and market to target markets and existing clients in your book of business
• An in-depth look at alternatives to “Self- Funding,” traditional LTC
• The power and emerging trend of “Hydrid” solutions
• The flexibility and strength of Lincoln Money’Guard LTC benefits

Income, Guarantees OR BOTH?

What additional benefits do your clients need most from life insurance?  More potential annual income or more guarantees?  What if they could have both?  Check our consumer flyer offering a blend of GUL and IUL policies!

Creating a Lifetime Legacy with Leveraged Gifting

For clients who are concerned about estate tax issues, gifting provides an effective strategy to reduce the sizes of their estates, leaving more for loved ones. These clients may benefit from a leveraged gifting strategy that includes creating a lifetime legacy using annual gifting exclusions.  Use this brochure in your discussion with clients.

A New Consumer Video Explains the Term Rider Advantage

Stacking term coverage can help your clients purchase the right amount of protection for the right length of time and maybe the most cost-effective way to buy life insurance.  Are you interested in helping your client customize their life insurance coverage to manage a lifetime of milestones? Check our new video here!

Pacific Life Promise Term Reprice Bulletin and Competitive Flyers

Share these flyers with your producers. Check our competitive pricing and fluidless underwriting:

• PL Promise Term 9/9 Reprice - Bulletin
• PL Promise Term 9/9 Reprice - Flyer #1
• PL Promise Term 9/9 Reprice - Flyer #2

Help Clients Protect their Businesses

Start the conversation with business owner clients using these great tools:

• Quick reference guide outlining the three most common buy-sell options.
• Infographic demonstrating the importance of funding the buy-sell agreement.
• Article discussing the 6 steps of business succession planning.

Comdex Ranking Jumps to 96

The Comdex Ranking for Columbus Life and its parent company, Western & Southern Financial Group, has increased from 95 to 96.  Learn More

Your Underwriting Questions, Answered

In Columbus Life’s new video series, Shannon Keller answers some of your top underwriting questions in just minutes. Visit the Underwriting FAQs playlist on YouTube to watch the latest videos.  See the Playlist

Offering a Proven Strategy for Stability

See how despite the continuous drop in the U.S. Treasury rate over the past eight years, John Hancock’s IUL cap rates have remained overwhelmingly consistent.

There’s No Better Time to Offer Accumulation IUL

Learn why, in light of industry-wide changeover to the 2017 CSO, now’s the time to offer our competitive Accumulation IUL product to your clients looking for long-term growth potential.

How Can My John Hancock Vitality Clients Earn Points?

While devices like an Apple Watch or Fitbit are an easy (and fast!) way to rack up points, there are many other options your clients can choose in addition to — or instead of — wearables to participate in Vitality. Check out this in-depth list

Protection, Growth and Simplicity – All in One IUL Policy

Many clients want the potential for tax-deferred growth that can be accessed later for things like retirement, college tuition or emergencies. Learn how an IUL can provide a solution for these client needs. Read more in our Express article. You can also learn more about our accumulation-focused IUL product by watching the Income Advantage IUL video or by visiting the IUL University microsite.

New life product suite microsite

Looking for a one-stop-shop for Symetra life product information? Our new life product suite microsite provides interactive product highlights and access to product tools, videos, recordings, sales strategies and more! Visit our life product suite site today!

Credit timing matters with indexed universal life (IUL)

Symetra calculates index credits based on the beginning value of the index segment to prevent index returns from being reduced by policy charges. Our new flyer highlights the effect this timing can have over the duration of the policy.

Four misconceptions about multipliers (and their fees)

Large-multiplier insurance products have garnered a lot of interest. But buried in the small print, their fees could wreak havoc for your clients. It’s not just “buyer beware,” but also “advisor take care.”  Arm yourself with the knowledge you need to navigate this ever-changing industry. Get our guide, “The impact of indexed account fees” to learn more about the four misconceptions about multipliers (and their fees).

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.

Case Study: A New LTC Producer Uses Underwriting Tools to His Advantage

Knowing and using your Mutual of Omaha LTC tools can help get your applications quoted accurately and business issued quicker. Learn more about the tools we have to offer.

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

The Long-Term Care Conversation for Power of Attorney: Using Thorpe’s Story

Since being appointed power of attorney for his ailing father, Thorpe has faced increasingly difficult decisions about how to best provide care. His dad wants to stay in a house that is no longer safe for him and needs more care than Thorpe is able to provide by himself. This experience has made Thorpe consider the situation he might find himself in one day. Thorpe’s story can help you connect with those living in retirement while also caring for an aging parent. Asset Care can help families be there for each other without the difficulties of becoming caregivers.  Learn more about Thorpe's story and download marketing tools at AssetBasedLTC.com.

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

Updated Guide for Nationwide’s Intelligent Underwriting Process

Our updated guide reflects the following recent enhancements:

• Acceleration up to $2,000,000 ages 18-50
• Acceleration now through Standard Plus rate class where available by product

New Underwriting Enhancements!

We know that underwriting is a pivotal part of a successful sales process. That’s why we continue to make enhancements to our underwriting guidelines that can make doing business with us easier and more client-friendly.  Click here to see how Protective is taking steps to limit EKG’s, phone inspections, and more!

LTC Underwriting Guide Update

The Mutual of Omaha LTC field underwriting guide has been updated to include the newest guideline improvement: TENS units are now accepted. Learn more about what TENS Units are and how it will be underwritten.

2017 CSO changes and year-end processing guidelines

Please check back often as we will update this report as additional information becomes available.  Click here to view the report.

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.