Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
December 11, 2019
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Join OneAmerica's Elaine Marvin for
Using Qualified Dollars to Fund LTC
Webinar Later Today, at 3:00 pm Central
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Addressing Your Clients #1 Financial Concern: Long-Term Care
25% of those age 65+ say that their top financial concern is paying for long-term care expenses. Hear from renowned long-term care expert Dr. Sandra Timmermann as she discusses why it’s so important to talk about end-of-life issues like long-term care.
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Paving the way with John Hancock Aspire
Anytime something new hits the market, there are bound to be questions. With the launch of John Hancock Aspire, the first and only life insurance for people living with diabetes, we’ve tried to anticipate some of your questions in this FAQ.
New Protection SUL à Producer Letter
Protection SUL, an industry leader in affordable survivorship UL coverage, is now available. And now with even better pricing, extended guarantees and access to Vitality PLUS. That means it can serve the needs of even more clients.
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Retirement By The Numbers
“Retirement-By-The-Numbers For 20 Years” analyzes a couple’s basic retirement expenses over a 20-year period. Utilize this infographic to help clients approach their retirement planning process by the numbers. Learn More
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Women & Life Insurance
Did you know that women are the primary breadwinners in over 40% of households? Check out this infographic from Pacific Life that highlights the strengths and weaknesses of women’s financial standing.
Technology Can Help Boost Your Business
eCapability tools can help simplify and expedite life insurance sales. Learn more about these time‐saving technologies for success in the broad market. Read this article by Wes Wright, Pacific Life’s VP Life Division IT.
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Tales that will Help your Clients Sleep Well
Our clients often have trouble understanding how life insurance can be more than just the death benefit. Don’t let them lose sleep worrying about the unexpected. Share the tale of… Sleep Well eKit Read More
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Enhancements to Protective's Underwriting Experience
We've made enhancements to our underwriting guidelines that will streamline and simplify doing business with us and provide clients with a better underwriting experience. Now, a majority of client cases can bypass resting EKG requirements. In addition, we'll leverage electronic inspection reports rather than telephone inspection reports in most underwriting scenarios. You can rely on Protective's commitment to improve and streamline the underwriting experience. Thanks to your feedback, we will continue to evaluate our underwriting requirements and deliver the best-case scenarios for your clients, your business and our company. Read the Bulletin here.
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The Lincoln Leader
Click here to view the latest edition of the Lincoln Leader. It contains information on New York Regulation 187 and much more.
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Symetra’s IUL index crediting method makes a difference
At Symetra, we calculate the index credits in our IUL products based on the beginning value of the index segment to prevent index returns from being reduced by policy charges. Our timing of index credits flyer (PDF) highlights the impact this timing can have over the duration of the policy
Symetra’s IUL products are designed to provide both attractive performance features and straightforward crediting expense factors. Our guiding principles of Value, Transparency and Sustainability (VTS) are at the core of everything we do
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AM60 Video: Transfer for Value Rule
Morgan Scott, Columbus Life’s VP of Advanced Markets and Field Development, gives an introduction to an important but misunderstood tax trap for life insurance in the latest AM60 video. Learn about the transfer for value rule in less than three minutes. Watch the AM60 Video
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NEW Protection Builder IUL
Read the Protection Builder Overview Flyer to learn more follow this link to the microsite for Protection Builder.
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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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Be the First to See Our New LTC Consumer Video
We're excited to debut something you've been asking for: a new consumer video designed to help you introduce the need for LTCi.
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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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Prepare for Year End: Review Key Dates and Holiday Hours
We’re dedicated to helping you have a smooth and successful year-end. Review our holiday hours, new business processing guidelines for 2019 production, product transition dates and required minimum distribution deadline to ensure you’re prepared.
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Start Enjoying the Benefits of Silver Brick Road
Nationwide policyholders gain access to a suite of services for themselves, their family and their caregivers from Silver Brick Road. This service helps ease stress by:
- Simplifying the process of finding the help they need
- Ensuring quality care is received
- Ensuring care is received in the right environment
Follow these links to learn more about how to find resources, create a private social network for family and caregivers and more:
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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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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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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.
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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..
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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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How to be More Transparent in the Application Process
In Columbus Life’s Underwriting FAQs video series, Shannon Keller explains what a producer can do to be transparent and set realistic expectations for the client in the application process. Watch Now
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Symetra PIUL Extra Coverage Program
Are your clients looking for additional death benefit coverage? Through our Symetra PIUL Extra Coverage Program, clients who have purchased up to $3 million of fully underwritten Symetra permanent life insurance within the last two years can purchase an additional Symetra Protector IUL policy for up to $1 million in coverage with limited underwriting.
Available Nov. 1, 2019, through March 31, 2020. Clients ages 60 or younger who have been issued a fully underwritten Symetra permanent life insurance policy (or policies) within the past two years at a Standard rate class or better can qualify for the program. Symetra will request an MIB, MVR (motor vehicle record) and Rx script check. See our program Flyer for more details.
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