Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
January 8, 2020
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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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Thank You For a Record Year!
Please check out our “thank you” video here!
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DI Basics
Unfortunately, many Americans are totally unprepared for the financial hit that a sickness or injury can bring.
If your clients don’t have disability income insurance, then their financial portfolio may be at risk. Most consumers have, at minimum, a basic understanding of the need of life insurance. Your clients are probably no different.
Your life insurance clients want to protect their families in the event their income is lost due to death. Those clients are likely interested in the same protection in the event their income is lost due to a sickness or injury. Watch a short video here.
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Looking Back at 2019. Together.
Whether you’re trying to get pending business placed before the end of the year or trying to get ahead for 2020, this time of year can be stressful. During this hectic time, it can help to slow down a little and reflect on the past year and all the accomplishments we have made.
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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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The SECURE Act Information
Signed into law late last week, Nationwide immediately began to consider how this would affect our members. The Advanced Consulting Group created content that addresses the changes to the law and corresponding planning strategies.
- Whitepaper: From ACG Senior Director Tom Duncan that addresses personal planning impacts and overviews key developments. It highlights the changes around the distribution, contributions and inheritance of IRAs including a full breakdown of the exceptions to the new ten-year rule for inherited IRAs.
- Two Podcast Episodes: From Tom and the team’s dedicated marketer, Chad Queen, that reinforce these law changes and wealth transfer opportunities that advisors should be thinking of as this law becomes enacted at the onset of 2020. These episodes are available on the ACG’s external podcast feed and through the Apple and Google podcast apps on all devices: Part 1; Part 2.
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Prep for the New Year with Life Insights
Looking to brush up on sales concepts and strategies in preparation for the new year? Check out Life Insights to learn from some of Columbus Life’s top financial pros on successful IUL selling, annuities in portfolio design, and more. Watch now.
Advanced LIRP: Help Clients Manage Risk in Retirement
We manage one set of risks when helping clients save for retirement, and another when clients are in their distribution phase. Life insurance may help insulate a client from the impact of income taxation and the sequence of returns risk. Read more from Advanced Markets.
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The SECURE Act Has Been Passed by Congress
The SECURE Act dramatically impacts retirement, but clients’ wealth transfer strategies too. Life insurance from Prudential may help maximize inheritances and minimize taxes. Get all the details of the Secure Act. SECURE Act Overview
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Start off 2020 with a number of exciting sales ideas to help you hit the ground not just running, but sprinting.
Solve estate planning needs more economically. Plan for multiple futures Open new markets Look past self-funding of long-term care expenses and more! Join host Steve Sabol, Competitive Market Services Creative Director, and his guests to not only get those sales ideas, but also the tools to share those ideas with your clients. Register here.
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A Tax-Efficient Gift to Help Benefit Generations to Come
In addition to providing death benefit protection, life insurance can be a financial resource for multiple generations of a family. Learn about a gifting strategy that can help support the purchase of a life insurance policy and potentially provide living benefits for generations to come. Learn more with our "A tax-efficient gift to help benefit generations of your family"sales idea. Note, This link requires an Alliance login.
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Help Clients Prepare for What Comes Next
We often hear that clients are confused about what happens after they complete an application. Our What Comes Next in the Application Process brochure is a great tool that can help you prepare your clients for what to expect after their fully-underwritten life application is submitted.
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Podcasts Available On-Demand
Listen to Life with inSight, an AXA Equitable life insurance podcast series, to learn about important industry topics from subject matter experts. Go to podcasts.
28 Sales Concepts In Our Wizard
Discover targeted strategies for clients with AXA Equitable’s Sales Concept Finder.
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New HNWFN Microsite and Non-Resident Alien Client Profile
Do you have high-net-worth foreign national (HNWFN) clients and need help navigating this important marketplace? Our new HNWFN microsite provides information on Symetra’s HNWFN program, product materials, client profiles, tools to help you get started and more. Visit our HNWFN site today!
Looking to help provide your non-resident alien clients with financial security? Check out our new client profile to see the value U.S.-based life insurance can offer them.
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Set Yourself Up for Success in 2020 with PL Promise
Pacific Life is working to be your carrier of choice to help you and your producers meet the death benefit protection needs of the underinsured market cost-efficiently with simple insurance solutions. Discover the PL Promise series of products:
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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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Giving the Gift of Care Solutions
As we all settle into our Holiday traditions over the next week which for most may encompass the spirit of giving did you know that clients that want to help protect a friend or family member from an LTC event can with Care Solutions. Click here to learn about four flexible options that anyone can do.
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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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Anaphylaxis Underwriting Dialogue
Anaphylaxis, not something you hear about every day. However, do you know how to rate this risk when it comes to life insurance? Check out this Underwriting Dialogue to get more information from Legal & General America.
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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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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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