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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

January 29, 2020

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

Single-Premium Non-MEC Legacy Building with

Protection Builder IUL

Webinar Later Today, at 3:00 PM Central

Register Now

3 Simple Ideas to Grow Your Practice

Be sure to download and use on your next appointment.

Pricing Update - Lincoln VULONE (2019) & SVULONE (2019)

Lifetime guaranteed death benefit with the freedom to pursue growth potential. Effective January 13, 2020, the Lincoln National Life Insurance Company is introducing pricing updates to Lincoln VULONE (2019) and Lincoln SVULONE (2019) to solidify competitive single and short pay guarantee pricing for key cells.  Check out the Lincoln Life Leader for more information.

Announcing Equitable
We've helped people look ahead for 160 years. Courage. Strength. Wisdom. That's what it takes to build a fulfilling financial future.  Learn how Equitable can be your guide.
 
Strength And Stability
Learn about our strength and stability, innovative solutions and abiding commitment to know you and guide you.

Our IUL Philosophy: Simplicity and Transparency

At Mutual of Omaha, we don't believe that confusing crediting strategies are needed in order for your clients to have upside potential.  Learn how our IUL products offer upside potential while remaining client-friendly.

Leveraging Alternative Assets

Generate more sales with our comprehensive solutions for Leveraging Alternative Assets.  Life insurance can help add predictability to your clients’ investment portfolios. 

When used as an estate-planning tool, life insurance policy proceeds will often yield a more competitive rate of return compared to legacy assets held in a taxable investment. Our Leveraging Alternative Asset resources will introduce a life insurance strategy that can insulate a portion of a client’s investment assets slated for wealth transfer from the market's ups and downs.  Leveraging Alternative Assets Microsite

New Products Focused on Accumulation and Protection
Two competitive Indexed Universal Life (IUL) solutions your clients can depend on – whether their goal is accumulation or protection. Below are some key benefits. 

  1. Eclipse Accumulator IUL
  • Offers some of the lowest policy charges in the industry
  • Strong crediting in a variety of market conditions
  • Uncapped accumulation potential and set-it and forget-it indexed account option.
View more  highlights 
  1. Eclipse Protector II IUL
  • Averages 4-8 percent lower premiums than Eclipse Protector IUL
  • Premiums and death benefit built to fit your client’s budget
  • Up to age 120 based on premium
View more  highlights

When You Change the Way You Look at Things, the Things You Look at Can Change

Help clients see life insurance from a fresh point of view. We have new consumer-friendly case studies on our Advanced Sales website that will help show the different uses for life insurance.  Help clients see life insurance in a new way.  Check out the Advanced Sales website here!

When it comes to type 1 or type 2 diabetes, think John Hancock Aspire!

With Aspire, your clients living with diabetes can save up to 25% on premiums, may qualify for personalized diabetes support from Onduo, and can unlock all the rewards and benefits of the Vitality GO and Vitality PLUS programs.
Check the Aspire box:

  • On the application to ensure your clients receive a personalized experience and have immediate access to all the benefits Aspire has to offer
  • On the illustration to get a custom Aspire report that explains how the program and benefits work

Visit JH Aspire to see more.

Help Clients Purchase the Longest Term Coverage Available

Many consumers choose to purchase 20-year level term because it’s typically a very affordable option and 20 years seems like an eternity. You know better, but it can be hard to convince a client to think longer-term without risking the sale. Share this new case study with clients and prospects.
 
Help Clients Customize their Coverage and Save Money

Stacking up to three Term Riders for 10, 15 or 20-years on top of a longer duration base policy may be the most cost-effective way to purchase term life insurance. See the consumer-approved video here.

Insights into Growing Next Level Relationships

The Next Level Relationships playlist on Columbus Life’s Life Insights YouTube channel includes five videos with tips that can help you grow relationships with carrier home office teams, including advanced markets and underwriting. View the Next Level Relationships playlist.
 
Help Clients Navigate Social Security

Columbus Life’s Social Security video series is designed to provide quick answers to clients’ questions about eligibility, claiming strategies, taxation, and other topics. Watch and share the Social Security video series.

Introducing the “Protect Gen X & Gen Y with SBLI” Sales Program

This program is designed to help you approach, attract and connect with Gen X and Gen Y prospects and optimize your business growth. Discover the many ways we can help you solve their protection gap!  Click here for your new sales program — includes a robust set of tools, tips, and tricks that can help you grow your business.

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.

Updated LTCi Tax Advantages Flyers

Show your clients how buying a Traditional Long-Term Care Insurance policy offers tax advantages. Our Tax Advantages for Individuals and Tax Advantages for Business Owners' flyers have been updated with 2020 numbers.

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.

SECURE Act is a Game Changer

Recent legislation has been a game-changer on some aspects of retirement plans, like the provisions on stretch IRAs.  Click here to learn how our Annuity Funding Whole Life offering is a great fit where stretch IRAs no longer work.

  • 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

How Sweet It Is!

Craving an underwriting process that helps to ensure a higher placement rate? Look at the 12 competitive sweet spots where PL Promise can help you deliver the best underwriting offer to your client the first time.  PL Promise Underwriting Sweet Spots Brochure
 
Nobody Likes Needles
No exams. No needles. No problem! Offer qualifying clients – ages 50-69, any risk class – fluidless underwriting up to $1 million in coverage. It’s an easier way to close the case! PL Smooth Sailing Overview Brochure

Increased EZ Underwriting Coverage of Up to $2M on Term and TotalSecure

Marketing materials are updated with the new EZ Underwriting capabilities.  Read more.

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

Keep offering your clients rate class upgrades through June

We’re excited to announce an extension of the single-pay (formerly called limited-pay) underwriting program through June 2020! This means you can continue to offer your clients a one-rate class improvement on single-pay sales of select universal and indexed universal life insurance policies.
 
This is the same great program, with a couple of updates:

  • Policies must be single-pay only to qualify.
  • A signed quotation and/or illustration with coverage to at least attained age 90 must be submitted with the application.

Learn more about the single-pay underwriting program

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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