Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
January 1, 2020
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We want to thank you for your business this year and wish you a Happy Holiday and a joyful New Year.
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Join Jeff Wright, CFP, CLU, ChFC Regional Vice President as he introduces the
Symetra High-Net-Worth Foreign National Program
Webinar Wednesday, January 15, 2020, at 3:00 PM Central
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Global Atlantic recognized
Price comparison website Finder.com has featured Global Atlantic in its list of the top seven life insurance companies in the U.S. in 2019. Specifically, Global Atlantic was named best for rider selection.
Simply Speaking: Indexed Universal Life
IUL can be confusing—for other people’s clients. Please share Simply Speaking Indexed Universal Life video with your clients.
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Powering the future update
Learn more on how 99% of our renewal rates were better, the same, or no worse than 0.50% from initial rates. Read More!
One-Stop Marketing Website
Forget hopping between various playbooks and microsites! 2020 arrives with all the information you need in a single streamlined website: RetireStronger.com is now live and ready to help you kick-off a successful New Year! 2020 Marketing Plans
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Upcoming Life Rate and Product Changes Effective January 1, 2020
Effective January 1, 2020, we will be increasing the cap on our 100% Participation Rate Strategy for Life Protection Advantage IUL, decreasing the crediting rate on AccumUL Answers, and repricing our AccumUL Answers product. More here.
Reminder: Upcoming Changes to Our Life Portfolio
As a reminder, we will be making changes to our life product portfolio effective January 1, 2020. Read the article for complete details.
Living Promise e-App Now Has Bank Validation
Effective December 14, 2019, bank validation is included on Living Promise iPipeline e-Applications. Learn how this feature can save you and your client a payment headache.
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Deep Dive PL Promise Term
For an in-depth view into PL Promise Term, this product fact sheet offers you the information you need to help your clients fulfill their promises with affordable death benefit protection coverage.
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Show Clients how Getting Life Insurance is Easier than Ever
We’ve talked about how Principal Life Online makes it easier for you to do business. But it also has major benefits for clients, who can get life insurance on their time—and their terms. We’re excited to share new, high-impact tools to help you demonstrate just how quick and simple the process of getting coverage can be.
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New Products Focused on Accumulation and Protection
At Securian Financial, we’re known for quality indexed universal life (IUL) products that demonstrate a strong commitment to policyholders. And our latest products, Eclipse Accumulator IUL and Eclipse Protector II IUL, continue this tradition. Below are some key benefits:
Eclipse Accumulator IUL:
- Straightforward, traditional IUL product design – Offers some of the lowest policy charges in the industry
- Resiliency – Low charges allowing it to perform well in a variety of market conditions
- Diverse indexed accounts – Uncapped1 accumulation potential and set-it and forget-it indexed account option
View more highlights
Eclipse Protector II IUL:
- Low premiums – Averages 4-8 percent lower than Eclipse Protector IUL
- Affordable – Premiums and death benefit built to fit your client’s budget
- Lifetime protection – Up to age 120 based on how much premium clients want to pay
View more highlights
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Pru Term Flexibility
Prudential Can Provide a Lifetime of Financial Wellness. See How!
Index Advantage is now live in LifeInsight!
We are excited to announce that LifeInsight now fully supports our Index Advantage Universal Life products! Learn more!
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Reminder: Key Changes to Protective Life’s Products
Don’t forget! Protective Life will be replacing and removing several key products before the end of the year. These changes will reflect the 2017 Commissioner’s Standard Ordinary (CSO) Table and Principle-Based Reserving (PBR) requirements. We've provided some transition rules to help you and your clients have a smooth transition into the new year.
Now is the time to begin thinking about clients who might fit into our current product portfolio and get business in before year-end. For more information on products that are being replaced and removed, please read our recent communications and Protective Life Bulletin Updates.
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AXA announces improvements to their Quick Quote process
All you need to do is electronically submit a few pieces of information and you'll receive a response in 24-48 hours. Follow this link to find out more.
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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.
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The Term + Perm Solution
Help your clients have coverage for life with the combination of Term and Perm insurance. Read the flyer here.
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The POWER of life insurance with Ensight
Show clients the power of life insurance with client-approved sales concepts using the Ensight Proposal Visualization Tool.
Click to see the POWER!
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2019 Year-End Checklist and Opportunities Ahead
Although time is running out, there are actions your clients can – or must – take before the end of the year. There are also many opportunities that may lie ahead for clients in 2020. Columbus Life’s Advanced Markets team shares their annual planning expertise. Read the insights.
Help a Client Understand Coverage Amounts
In a new edition of Columbus Life’s Underwriting FAQs video series, learn how to help a client understand coverage amounts for juveniles and non-working spouses. Watch the 25-second video.
Brush Up on Sales Concepts and Strategies
Check out Columbus Life’s Sales Concepts & Strategies playlist on the Life Insights YouTube channel to learn from some of the top financial pros on successful IUL selling, annuities in portfolio construction, selling to Millennials and more. Watch the videos.
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Power Up Your Clients’ Coverage
Consider the benefits of conversion from PL Promise Term to PL Promise Conversion UL – with its guaranteed no-lapse universal life design, early conversion incentives and more. Check out these materials to 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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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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The Beauty of the LTC Buy-Up Option
The buy-up option available on MutualCare Custom Solution policies provides the flexibility to adjust the inflation protection benefit as needs change. Learn more about how this option works.
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Asset Care® underwriting guidelines for age and amount change at the start of the new year
Effective Jan. 1, 2020, the age and amount requirements for traditional underwriting of Asset Care® cases will be changing. The revised guidelines require all applicants age 60 and above to have a cognitive screening. Note: The Care Solutions Process Guide will be updated to reflect these changes and will be available in the new year.
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- 3 Easy Steps From Submission to Commission: Nationwide Updated Process for Care Matters
If you have questions about the submission process, premium options, etc. the attached flyer will help you see how easy the submission process has become for Care Matters Linked Benefit products. CareMatters Underwriting Process Guide
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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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Help a Client Understand Coverage Amounts
In a new edition of Columbus Life’s Underwriting FAQs video series, learn how to help a client understand coverage amounts for juveniles and non-working spouses. Watch the 25-second video.
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Inforce Illustrations at Your Fingertips
You now have the ability to run your own life insurance inforce illustrations with our self-service inforce illustration tool. Stop waiting and start running them today! Use the tool now
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What is fronting?
Fronting, or ghostwriting, is essentially the practice of signing an application that was solicited by someone else, perhaps a person not appointed with the writing company. Our video will help shed some light on fronting and how to avoid this risk for your business. Jim Jensen, financial crimes analyst, tells us what fronting is and the correct way to sign and submit applications.
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Extension of the Table Upgrade
John Hancock recently launched Aspire, which creates a fantastic opportunity for you to better serve your clients living with type 1 and type 2 diabetes. Additionally, we continue to enhance our products so customers with substandard ratings can receive greater Vitality credits and premium savings when they take steps to improve their health. As we complete these enhancements across our product portfolio, we will be extending the automatic one-class table upgrade for eligible permanent product applicants when they elect Vitality PLUS and are approved with a substandard rating. Applications must be received by March 31, 2020. Additional transition details will be announced early next year.
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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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