3 Mark Financial, Inc.

October 30, 2019

Wellness for Life Can Give Your Client’s Policy a Boost

A survey we conducted revealed that nine out of ten consumers (92%) would be motivated to maintain a specific weight level and four out of five (81%) say they would be more likely to have an annual check-up if offered a life insurance discount or incentive.  Wellness for Life is the original wellness rider, delivering cost of insurance discounts when insureds visit the doctor at least once every other year. They can earn greater discounts if they manage their weight within a range determined when they buy their policy.  Find out more here.

New Term Rates are SCARY Good!

Check out our updated term webpage lgamerica.com/term to find administrative guidelines, product specifications, marketing materials and more.  

Download:

• Broker Administrative Guidelines
• New Term Rates Flyer

Allocation Insights Tool

This tool allows you to see which allocations you may want to consider based on your perspective on equity markets, market volatility, and interest rates. This tool is intended to be educational – as a first step, not tailored to an individual’s needs, and not meant to be a substitute for working with a financial professional. No matter which allocation option(s) you choose, you cannot lose value due to negative index performance. The allocation options only determine the amount of interest credited in positive years or the likelihood of zero interest years.  Check it out here.

Drop Ticket Now Available!

Securian Financial’s Advantage Elite Select now offers Drop Ticket on iPipeline! Drop Ticket offers a fast and simple term application process. Provide basic client information and we’ll take care of the rest. With Drop Ticket you get: Client exams scheduled for you; 24-hour approval for clients who qualify for our WriteFit Underwriting program; and policy delivery in a matter of days with eDelivery. 

• Client Flyer

Capitalize on the Fastest-Growing Segment Within Today’s Insurance Market

Our new IUL Academy website provides the insights and tools you need to gain a deeper understanding of IUL and highlights the unique customer value this product category offers. Visit JHSalesHub.com/IUL, and save to your favorites.

Registering for John Hancock Vitality is Now Faster and Easier

We’ve made it faster and easier for policyholders to begin their Vitality experience. Now they can activate their account directly from their welcome email or by visiting  JohnHancockVitality.com/activate. The best part? Policy numbers are no longer required to register.

Our Term Series is Competitive for Today and Beneficial for Tomorrow

We recently updated our Term products. They continue to offer some of the most competitive conversion privileges. Understand the options with this chart.

How Retirement Ready are Your Business Owner Clients?

Are they planning to use their business for retirement? Are they on track to meet their retirement income goals? Offer a complimentary, personalized analysis that includes the value of their business, their business transition plans, and their current personal retirement savings and investments. Any gaps or issues identified include recommended solutions. This puts you in an excellent position to help bring value to your clients and create more sales opportunities. 

Get started:

• Approach brochure (PDF)
• Sample customized report (PDF)
• Request for proposal (DOC)

Tap into the Expertise of Advanced Markets

Advanced markets support is a core element of Columbus Life’s producer-first mindset. Learn how the Advanced Markets team can assist you on a variety of concepts and case designs.  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.

Nationwide Care Matters II:   From Submission to Commission in 3 Easy Steps

The underwriting process for Care Matters II has been improved to make it even easier to get your cases placed.  Follow this link to learn how.

Two Ways to See Your State’s Cost of LTC Services

Providing clients with estimated costs for long-term care services is an important part of the sales process. If you aren’t sure how much your clients may need, use our Cost of Care Calculator or Cost of Care Brochure to find out. Each tool reflects costs for Home Health Care, Assisted Living Facility and Nursing Home for private and semi-private room by state.

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 - Only 2 webinars left!

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

AXA in Partnership with the Wellth company is pleased to announce a special offer for select Insureds with Type 2 diabetes that may improve their rating.  Click here to view the announcement.

No More Guesswork

Our new worksheets help you write good business and then communicate that value to underwriters. All the functionality is built-in – no calculator or software required!  Insurable Amount Worksheets

Symetra Life Illustrator: In-force Illustration Capability for Select Symetra Policies

Did you know you can run in-force illustrations for Symetra UL-G and CAUL policies through Symetra Life Illustrator? Our brief tutorial highlights how to access both the downloadable and web versions of Symetra Life Illustrator, plus tips for running in-force illustrations. To access in-force illustrations, register for a user ID and password here. You can look for additional products to be added to Symetra Life Illustrator in 2020.

Coming November 1st: Indexed Universal Life Express

Are you ready to live life in the fast lane? We hope so, because with our new simplified issue Indexed Universal Life Express product coming November 1st, things are going to start moving pretty fast! Learn more about this new product in the IUL Express launch flyer.

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, and now available for use in all states excluding New York.  Learn More

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.

Accelerated Underwriting Expansion

Effective October 5, 2019, the guidelines for Columbus Life’s accelerated underwriting program will expand to include clients applying for face amounts of up to $1,000,000 – twice the amount of the original limit!  Read More