Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
November 6, 2019
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Join Legal & General's Jim Grauel for
Term Riders: Flexible Coverage Solutions
Webinar Later Today at 3:00 PM Central
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Now Available – Lincoln WealthPreserve IUL (2019)
Effective October 21, 2019, subject to state availability, Lincoln is pleased to introduce the newest member in its indexed UL portfolio, Lincoln
WealthPreserve IUL (2019). Offering the financial security of long- term guaranteed death benefit protection and designed with built-in guarantees and flexibility, Lincoln WealthPreserve IUL (2019) can help you meet your clients’ changing needs throughout their life.
This product will replace the Lincoln WealthPreserve IUL (2017) – 2/11/19 and includes updates to comply with Principle-Based Reserving (PBR) and 2017 Commissioner’s Standard Ordinary (CSO) Table. This product will not be initially available in New York. Details here.
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Protect Your Little Monsters With Life Insurance
Share This New Flyer With Your Clients. Talk to them about how they can protect their little monsters with $1M worth of coverage. Protect Your Little Monsters With Life Insurance
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Building Wealth Outside of a Business
Learn how an Income Advantage IUL policy can be a good way for business owners to build personal assets. This Advanced Markets article is available in both print and audio.
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New Guarantee-Focused VUL
Our refreshed Platinum Choice VUL 2 product has swagger! With an emphasis on guaranteed features, and continued strength in growth potential and flexibility – it’s been turning heads… See for yourself -- visit our VUL Playbook!
Help Protect Seniors
AIG Senior Financial Abuse Survey highlights how family members, financial institutions, policy makers and financial advisors can empower older Americans so they are not left helpless at the hands of financial scammers. Elder Abuse Prevention
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Help your clients earn up to an extra $200!
Your producers have about five weeks left to submit business to qualify for American Express gift cards. Take advantage of this promotion to increase your production by year-end! Details here!
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Give Your Clients an Advantage – the Allianz Life Pro+ Advantage
Life Pro+ Advantage is the first policy of its kind to offer Index Lock, an exclusive feature that gives your clients the ability to lock in their indexed interest credit at any point during the crediting period, prior to the policy anniversary. That’s in addition to death benefit protection, accumulation potential, and loan flexibility, too. Check out our video!
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National Estate Planning Awareness Week!
Do you think building an estate plan is only for the retired or wealthy? Think again: Estate planning is an important process that everyone can benefit from. Start the estate planning conversation with this checklist
Dynasty Trusts
Creating A Multi-Generational Legacy Using Life Insurance. Learn More
Term Reprice Postponed to November
Due to a delay in ICC approvals, Term Essential® and Term Elite® will no longer reprice on October 28, 2019. The new reprice date is November 11, 2019. To view the updated Transition Rules please click below. Learn More
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Policy Health Check for your Inforce Clients
Are you looking for an easy way to manage your client's inforce life insurance policy to make sure it's "healthy" and performing up to its objectives? Our Policy Health Check can help.
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CSO Updates Are Coming — Don’t Miss Out on Selling Accumulation IUL Now
In case you missed it, with the 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. Learn more.
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Indexed Universal Life with Top-Tier Premiums, Guarantees and Transparent Features
Looking for straightforward and transparent indexed universal life (IUL) insurance that offers:
- Strong death benefit guarantees?
- Lower policy costs?
- High target premiums?
- A simple, straightforward design?
Look no further! Symetra Accumulator IUL and Protector IUL check all the boxes. With these strong features and our commitment to clarity, Accumulator and Protector are two of the most competitive, transparent and easy-to-understand IUL products available.
Life Insurance for High-Net-Worth Foreign Nationals
Effective July 8, 2019, we are pleased to launch Symetra’s enhanced high-net-worth foreign national (HNWFN) market program. In addition to our program enhancements, our national vice president of multicultural markets, Fabian Gonzalez, is available to assist with opportunities within this important marketplace. Explore our Enhanced Program Guidelines
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When Zero is Not Your Hero
Multipliers are a feature recently introduced to the IUL market that may provide upside potential, but a client could experience a potential loss (due to the fee collected for the multiplier). Learn about three categories of multipliers and what could happen to an IUL with a multiplier. Learn More
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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.
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The Prospect of Living Longer is Exciting, but...
It also requires solid planning for health and wealth. In order to best help your clients, it’s very important to help them understand the financial implications of longevity. Decisions they make today may determine how steady their retirement income will be, and how far into their retirement their funds will stretch. This white paper from Nationwide provides information and guidance on six key topics that should be considered in longevity planning. We hope that this will help you in assisting your clients and your local BDVP is available to do meetings with you.
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Online Scheduling Now Available!
Two key administrative enhancements to SecureCare Universal Life are now live!
And be sure to keep an eye on our SecureCare landing page for tools and resources that will help maximize your marketing efforts in Long-Term Care Awareness Month.
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“Better than Average” Planning
Talking about Alzheimer’s with clients can be difficult, but talking about building a retirement plan to survive any long-term care event is a good way to bring up the subject. Click here to learn some valuable talking points to start this conversation and help raise awareness of Alzheimer’s.
Love Your Brain
Growing evidence indicates that people can reduce their risk of cognitive decline by adopting key lifestyle habits. Click here to learn 10 healthy habits you can share with clients to help them achieve maximum benefit for brain and body.
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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.
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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.
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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.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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Q4 Mission Addition Underwriting Program
We're on a mission to make sure clients have the life insurance protection they need. Learn how clients may be able to get additional life insurance coverage with the benefit of limited underwriting. It's available on select life insurance policies from us and our top competitors. Get the flyer here.
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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
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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.
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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.
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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
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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.
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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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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
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