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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

January 22, 2020

Prudential Conference Call on The Secure Act: What Every Financial Professional Needs to Know.

Join us to discuss the recent passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act and how it will affect customers planning for or living in retirement. Featured Guest Speaker Brandon Buckingham, Vice President of Advanced Markets, Prudential Financial will review the legislation and provide insight on:

  • Changes to IRA contribution limits & Required Minimum Distributions
  • The future of "stretch" IRAs
  • Incorporation of annuities and lifetime income options to qualified plans

Date: January 22, 2020  Time: 4:00 PM ET

Dial-in: 877-336-4440  Access Code: 8780640

Gary Proco and Char Tharaldson from North American as they introduce the 

Protection Builder IUL

Including Sales Ideas, You Don't Want To Miss

Webinar January 29, 2020, at 3:00 PM Central

Register Now

On January 14, 2020, AXA Equitable Life announced our name is Equitable – with a clean and modern look to reflect our brand.  Click here to view the communication 

New York Reg 187 Toolkit

Indexed Strategy Selector Tool from Global Atlantic

Indexed universal life insurance products from Global Atlantic deliver a variety of crediting strategies.  Our Indexed Strategy Selector Tool provides you an opportunity to look back in time and see how a given strategy or strategies would have measured the growth of an index based on today's Cap and Participation rates.

Thought Leadership from our Advisor Blog:
From Practice Management to conversation starters with clients and Economic commentaries, we have weekly entries to help you build your business at the Nationwide Advisor  Blog Spot.
 
Nationwide Market Insights:  Get the Q1 2020 Edition
We are pleased to provide you our perspective on the market and economic forces influencing investment and retirement planning:  Nationwide Market Insights.

New for 2020! Download the Tax App Now

Columbus Life’s popular Tax Guide App has been updated for the new tax year. The easy-to-use mobile application offers important tax rates, reference tables, Social Security information and tax calculators to help you evaluate specific scenarios for your clients.  Learn more about the Tax App. 

Discover New Materials on the Topics that Matter

Click here to view the announcement and check out the latest videos, marketing materials and webinars produced by Columbus Life.

See how PL Promise stacks up against the competition.

With Pacific Life, you can offer your clients competitive pricing plus value-added features to help you build a sustainable term business.  Click here to view the flyer

The Key to Main Street

Main Street, USA, is primarily comprised of the broad market, a group earning between $50,000 and $250,000 annually. And if they are seeking lifelong protection with certainty, see how whole life insurance compares to guaranteed universal life insurance. This eye‐opening article by Brynn Thabet, Pacific Life’s AVP Broad Market Product Management, may surprise you!

Digital solutions to help you grow your business in 2020

The new year is the perfect time to take another look at our suite of digital solutions that can help you find new prospects, gain insights and sales strategies, and grow your business in a variety of markets. Tools include: 

Comparing Chronic Illness Solutions

Being prepared for chronic illness: That’s financial wellness.  Which solution is right for you?  Check out our one-pager!

LGA Has A Great Story To Tell – Help Your Agents Share It With Clients

Many producers are surprised to learn we’ve been protecting American's for over 70 years or that we're the U.S. insurance division of Legal & General Group — leveraging the expertise of a top ten global insurer and backed by a financial powerhouse. We've put it all on one page.

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?

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

Share the Value of Income Planning.

The Value of Income Planning is a repeatable and easy-to-use process that can help you bring more value to your retirement income conversations.  Our VIP process can help your clients:

  • Better understand potential retirement risks
  • Develop realistic income, expenses, and lifestyle goals in retirement
  • Identify potential retirement income gaps and solutions – such as an annuity – as part of their overall retirement portfolios

Start the VIP process today by visiting our new consumer webpage and downloading our consumer brochure.

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.

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.

Care Solutions Live Deep Dives

The OneAmerica Care Solutions Live Deep Dives webinar series goes in-depth on topics related to our asset-based long-term care (LTC) protection. Join our free webinars every other Friday from 11 to 11:30 a.m. ET.   Click here for the Q1 and Q2 2020 schedule and to register for a time.


  • 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
In The Loop Annuities / LTC

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

In The Loop Underwriting New Business

Underwriting Guide Update: Marijuana Usage, Flex Points

Changes include updated marijuana criteria reflecting the latest medical research and legislation in some states governing medical and recreational usage of marijuana.  Bulletin 19-106

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.

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.

NEW IUL Express Producer Training Video
Our new producer training video provides you with everything you need to know about IUL Express, including the product features, the target market, how the indexing options work and more.
 
Automated Underwriting for TLE is Here
We just expedited your Term Life Express iPipeline e-Applications. This past weekend Automated Underwriting, our instant decision tool, was added to TLE. Learn how you can save time for you and your clients when you use the TLE e-App.

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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