3 Mark Financial, Inc.

November 13, 2019

Q4 Mission Addition Underwriting Program

This AXA program can help you get your clients the added coverage they may need with limited underwriting. And with the added incentive of choosing either an improved rating class or the addition of our Long-Term Care Services Rider, you want to miss out on this incredible opportunity! Get the details here.

NEW Agent Marketing Kit

We've put together an easy-to-use kit that you can share with agents. Find sales ideas, consumer materials, videos and more all in one place!  Term Agent Kit

Is Your PIUL Designed for Maximum Performance?

Take a look under the hood to make sure it’s firing on all cylinders. Does it have:

• Guaranteed death benefit protection?
• Policy flexibility?
• Growth potential?
• Competitive premiums?
• Client-friendly features?
• Strong target premiums?

Let Symetra’s market-leading Protector IUL drive your guaranteed-death-benefit-focused sales.

Helping Younger Clients Plan Ahead with an LTC Rider

Take a look at this sales idea article to learn how a life product with an LTC Rider may be an additional planning solution for younger clients who aren't quite ready to purchase a stand-alone LTC product yet.

Open Enrollment Season is on the Horizon at Many Workplaces.

Clients are already in a financial wellness state of mind. It’s an ideal time to talk to them about meeting for a policy review and any life changes that may impact the type and amount of protection coverage they have.  Get this conversation-starting tool.

A New Product Innovation - John Hancock’s ASPIRE
Historically an underserved market, this segment of the population often thinks they cannot qualify for insurance, and if they do, they are often paying too much for their coverage.  Through our experience with Vitality, we have learned that each customer is unique and that we can achieve a better outcome if we provide education and support – that is what Aspire aims to do for clients living with diabetes.  

Product Official Launch Date: November 18, 2019  Check out the short consumer video

Introducing the New Protection UL

With longer guarantees and price improvements, Protection UL — our top-selling permanent product — delivers more protection and value than ever before.

John Hancock’s One-Year Term Now Available

We are pleased to offer a new One-Year Term insurance product — in force for just one year — to meet your clients’ short-term insurance needs.  Learn 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.

Long-Term Care: It’s Time to Start the Conversation

November is LTC Awareness Month and we have the tools you need to begin this important conversation, including tips on how to get people talking.

Online Scheduling Now Available!

Two key administrative enhancements to SecureCare Universal Life are now live!

• Online scheduling portal: clients can now schedule their tele-interview using our online portal! Be sure to check out the details in our SecureCare – How it Works: Application and Underwriting Process and share our updated What’s Next: Tele-Interview Preparation Guide with clients.
• Backdating applications: we revamped our backdating process to better align with you and your clients’ needs. See for yourself in our SecureCare – How it Works: Backdating.

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.

What sets Nationwide YourLife CareMatters Apart?

1. The freedom of a cash indemnity structure
2. Between the ages of 40 and 65, we have the best pricing in almost every cell
3. The option to save unused benefits for future use
4. Currently, the highest minimum death benefit in the industry
5. The Return of Premium feature

To learn more and see ideal client scenarios follow this link to the video.

Early Detection Matters

Imagine seeing your child and not remembering their name. Our memories change as we grow older. Some people may notice a change in themselves before anyone else notices. Other times, friends and family will be the first to observe changes in memory, behavior or abilities. Click here to learn more about the early warning signs of Alzheimer’s/dementia.
 
What We Know About Prevention

While Alzheimer’s is not normal aging, age is the greatest known risk factor for developing the disease.  Click here to learn more about what we know and what we don’t know yet.

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

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.

Introducing SmartParaMed – Digital Paramedical Exam Completion

Beginning November 1, 2019, Lincoln is pleased to introduce SmartParaMed through APPS Para Medical Services. This new capability enables examiners to complete all life insurance paramedical exams electronically via a laptop/tablet, while meeting face-to-face with the client.

Getting Started: When exams are ordered for Lincoln through APPS, the SmartParaMed process will be followed. No opt-in is required. Note: If a Senior Supplement form is required, it will be completed on paper..

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.

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