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3 Mark Financial, Inc.

November 27, 2019

Start the Important Conversation

What your clients want to protect will change over time. Prudential will be with them through it all. Over their lifetime, protection needs will grow … and pretty quickly, too. You can set the foundation with a term life insurance policy from Prudential. As life changes, their Prudential term policy can be converted to any of our permanent ones. What’s more, our permanent policies include living benefits—ones you can use while you’re clients are still alive. Prudential has your clients covered in the beginning, middle, and end. Click here to learn more about starting this conversation.

Join Steve Sabol, Competitive Market Solutions Creative Director for:

The ultimate retirement plan tag-team. A strategy to protect loved ones and income-producing assets while keeping your client's retirement lifestyle intact.
A novel GUL alternative for business owners. A premium finance strategy to keep liquid assets in the business.
My hero, zero. A strategy to leverage multiple IUL accounts to find the right combination of expense and upside potential.

4 Weeks Left to Complete the Mission

You only have until the end of the year to take advantage of the AXA Mission Addition Underwriting program. Help your clients get the added coverage they may need with limited underwriting, with added incentives of choosing an improved rating class or the Long-Term Care Services Rider! Don’t delay! Act today!

Wealth Transfer with LTC Rider II

By annuitizing the contract and using the distribution from the annuity to purchase life insurance with the Long-Term Care Rider II, you can help clients potentially create a larger pool of money that can help fund long-term care needs while still providing an inheritance. The Sales Idea flyer shows a case study for a 60-year-old female. We have also included a second flyer outlining the enhanced benefits of our LTC II rider.

Lifetime Foundation Elite: Simple, Affordable, & Secure

No-lapse guarantee (NLG) products are perceived to have some of the most inexpensive premiums in the marketplace for guaranteed death benefit protection to age 121. However, Lifetime Foundation ELITE has premiums that compete favorably with NLG products for the same level of death benefit on a non-guaranteed basis while offering a unique combination of death benefit guarantees and flexibility. Check out the product flyer here.

Connext - our NEW Producer Website!

Connext - our NEW Producer Website - is now fully functional and available for use by our producers and distribution partners. As a result, eStation will permanently shut down on November 15th at 7 p.m. eStation users do not need to register on Connext - enter your existing eStation username and password. It's that easy! Log in, update your Notification Settings and become familiar with Connext prior to the eStation shut down on November 15th. User guides, FAQs, on-demand videos and more are available on the Help page of Connext.
Check it out at AIG.com/Connext

Grow Your Business - Offer Clients the Power of Rising Income

Explore this online tool designed to highlight the potential advantages of The Power Series of Index Annuities with a Lifetime Income Plus Flex guaranteed living benefit rider. Compare features, determine how much a client's income can rise each year, and see the difference rising income may make. Explore the tool

Capture More Potential Positive IUL Index Segment Returns

Get higher participation rates on JP Morgan ETF Efficiente 5 index strategies in Symetra Accumulator IUL. With our recent increase to participation rates for Symetra Accumulator IUL’s JP Morgan ETF Efficiente 5 index strategies, your clients can capture even more potential positive index segment returns!

How does it work? The interest credited to your client’s Accumulator IUL index strategy allocations is based on the return of the selected index up to predetermined limits. While index caps set the maximum potential gain, participation rates establish how much of the index’s return they will earn.

Get familiar with Accumulator’s new participation rates and view our video to learn how the JP Morgan ETF Efficiente 5 index strategies work!

Which Express Product Should You Consider for Your Client?

We offer a variety of simplified-issue Express product solutions. Use our new sales flyer to learn which one may be the best fit for your client.

IUL Calculator: Available on DiscoverIUL.com
Our IUL Training Site contains a calculator that can help you and your clients assess the indexed interest rate potential for an allocation to each of the available crediting strategy options. Learn more about it and try it today!

Preparing for the Impact of the SECURE Act

As the industry awaits more news from Washington, learn the basics about the SECURE Act and the impact it could bring to your business by reviewing this article written by Prudential’s Brandon Buckingham.
Read the article here.

Give your Institutional Clients the A-List Treatment!

It’s time to give your institutional clients the A-List treatment. Because now you can deliver life insurance for your clients' top earners — with no exams* or bloodwork and no tobacco question.
Enter A-List Term®, a multi-life group term carve-out program — paid for by the employer — for the benefit of their employees. Check out the details here.

Revamped Marketing Microsite!

Allianz has revamped our password-free Marketing Microsite. Bookmark this link for easy access to Allianz Life Marketing Assets and tools you can use to help find more opportunities with Allianz.

Resource Center for Transitioning Products Now on MyProtective
Need the latest information for our upcoming product transitions? Check out the Resource Center on MyProtective! Here you’ll find everything you need to know about product launch dates, transition rules and special considerations. You can access the Resource Center by clicking on the link at the top of the MyProtective homepage.
Log on to MyProtective

A Win-Win: Competitive Premiums AND Leading Targets

See how the new Protection SIUL offers competitive premiums, growth potential and flexible funding for your survivorship clients — plus an extra “bump” in targets for you.

The Fastest Way to Boost Year-End Sales!
If you’re looking to maximize your “case-closed” total by year-end, make your submissions using our JH Drop Ticket, which offers:

Significantly faster cycle times typically than full applications, especially when clients complete the tele-interview and signature process immediately.
Immediate consideration for John Hancock ExpressTrack, with eligible clients receiving an underwriting decision in as little as three days.

Case closed!

Affordable, Guaranteed Protection for Two

Principal Survivorship Universal Life Protector IIISM (SUL Protector III) is now available and compliant with the 2017 CSO and PBR requirements. It replaces the current product in all states except CA and NY. View transition guidelines.

What’s different? SUL Protector III offers many of the same attractive features as SUL Protector II—and it still features competitive premiums for coverage to ages 100 and 121, although rates are generally slightly higher than before.

What makes this product a good fit for your clients?

It provides affordable, lifetime guaranteed coverage for two that can help protect a legacy.
Beyond estate planning protection, it can also be used to fund buy-sell plans for businesses.
It offers an opportunity for clients who may not have great health, allowing one applicant to be an uninsurable risk.

Get marketing materials.

ADBR: What’s the Real Story?

While it’s common for life insurance products to have accelerated death benefit riders, finding a carrier that utilizes the lien method is not. Learn the real story behind different ADBR methods and why Columbus Life’s lien method is a transparent option for the client. Get the Facts

AM60 Video: Three-Year Lookback Rule
A change of life insurance policy ownership may not have the intended tax results. In this edition of Columbus Life’s AM60 video series, Morgan Scott discusses the three-year lookback rule on transfers. Watch the Video

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.

What sets Nationwide YourLife CareMatters Apart?

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

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

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.

The Changing Landscape of Long-Term Care Planning

The LTC planning landscape is changing but there's one thing that's stayed the same: a traditional LTCi policy remains a viable way for your clients to protect themselves from the risk of needing LTC services. Read the Changing Landscape of LTC Planning article to learn more.

0 Early Signs and Symptoms of Alzheimer’s

Memory loss that disrupts daily life may be a symptom of Alzheimer's or other dementia Alzheimer's is a brain disease that causes a slow decline in memory, thinking and reasoning skills. There are 10 warning signs and symptoms. If you notice any of them, schedule an appointment with your doctor. Click here for a printable bookmark that you can leave with clients that outlines the 10 warning signs.

A Tax-Advantaged Way to Repurpose Existing Annuities and Life Insurance

Many individuals allocate some “just in case” dollars into fixed and indexed annuities to help protect retirement income. In fact, in 2016 the value of fixed and variable annuities exceeded $2.8 trillion. People use annuities to provide retirement income. to last a lifetime, and for the knowledge that if the funds are never needed, they may pass to heirs. Click here to learn how clients may use these funds for LTC as well in a TAX ADVANTAGED way under the PPA.

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

Important Administration Alert

Effective November 1, 2019, Securian Financial will consider the state of Oklahoma a pre-appointment state for all producers selling our products. An appointment MUST be in place in the state of Oklahoma before any business can be accepted. Please allow for a transition period through November 30, 2019 to ensure our systems are updated with this new change.

Please Note: We will continue to process any Oklahoma individual life business dated between November 1 and November 30, 2019. Any Oklahoma individual life business dated December 1, 2019 or after will be returned if the Oklahoma appointment is not active.

Reminder: Important 2017 CSO Updates And Year-End Business Processing Timelines

Like all carriers, Symetra is required to transition our products to 2017 Commissioners Standard Ordinary (CSO) Tables by Jan. 1, 2020. To meet this regulatory deadline, this is a reminder that we have established the following transition dates for our Accumulator IUL, UL-G and CAUL products (Symetra Protector IUL and Term products are already on the 2017 CSO Tables). Click here to view the announcement.

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..

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

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.