3 Mark Financial, Inc.

March 11, 2020

Please Join Stephen E. Alloy, J.D. MBA CLU ChFC MSFS, Advanced Markets Specialist, Mutual of Omaha as he introduces  

Living Benefit Buy Sell 

This buy-sell concept lets your business owner clients build cash for their living exits without facing a big tax burden down the road. Stephen will present materials you can use with clients and prospects and not only talk about the concept but show you how to present it to prospects.

Webinar Later Today at 3:00 PM Central

The new Protection IUL: Still the Best Life has to Offer

Our new Protection IUL continues to lead the way for clients seeking affordable death benefit protection along with upside potential and some level of guarantees, click here to learn more.

The Long Term Solution

There is a growing market need for affordable coverage options that last beyond the typical 10 – 30 years. Americans are living and working longer than ever before, with many continuing to carry significant amounts of debt up to and even into retirement. Legal & General America has an affordable solution
 
Help Clients Cover Their Mortgage

There’s no place like home, so protecting what may be your clients’ most valuable asset is an easy way to start the life insurance conversation. Legal & General America offers coverage options to meet any budget so help your clients understand the need with our consumer mortgage flyer.  NY version.

Tax Impact: Identify Opportunities

Learn how taxes affect your clients’ retirement plans and how you can protect their wealth.  Click here to learn more.

PL Promise Life Insurance Products At-A-Glance

Pacific Life Insurance Company is working to be your carrier of choice to help you and your producers reach the underserved Broad Market with simple, affordable life insurance solutions.  Discover the PL Promise series of products. 

The “Unholy Trinity”: When Business Owners Go Rogue

The business life insurance titling mistake is known as the "unholy trinity" or "goodman triangle" carries a significant risk of negative tax consequences when there are three parties to a life insurance policy. Read the Advanced Markets Planning Mistakes Article

Discover Two Reasons Clients May Benefit from Columbus Life’s ADBR

Should the need arise, our Accelerated Death Benefit Rider provides clients with multiple choices to advance their death benefit through a variety of payout options and utilizes a straightforward lien method so that your clients know exactly what they are going to get.  Learn More

Tax Season Is Just Around The Corner

Check out our new client approved flyer providing an overview of the SECURE Act. In it, we address the main changes created by the SECURE Act and provide a possible action plan to follow for clients and financial professionals alike.

Overcome Potential Objections with the GRO Rider

Learn how having the GRO rider on Income Advantage IUL can help provide an additional layer of protection for your clients - especially in an unpredictable market.

An Inexpensive and Flexible Solution for Business Design

Your business-owning clients have more options than they may realize when considering uses for life insurance policies that can safeguard their business. Click here to learn more!

New Video: Risk or Reward?

The increased upside seems attractive, but buyers should be aware of the additional potential risks and complexity inherent to IUL Bonus Multipliers. See For Yourself!

Symetra Protector IUL Stacks Up Well Versus the Competition

Our protection-based indexed universal life (IUL) is one of the most competitive, straightforward and easy-to-understand IUL products available.  With low premium outlays, a strong death benefit guarantee duration, and strong accumulation potential in addition to lower policy costs. Check out our competitive flyer here.  

Protect the Ones You Love with Life Insurance

There is no better time than now to insure your love. Looking for marketing materials to help discuss your clients’ goals and fit together the key pieces of life’s big puzzle?  Read more.

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.

SecureCare Video Resource Library

Our library is designed to provide product knowledge, prospecting tools, and sales processes to get up to speed on SecureCare and start closing cases. Join key members of our SecureCare sales team as they talk through benefits/features, offer expert industry guidance, and give turn-key tips and tricks of the trade. Visit the SecureCare Video Resource Library.

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.

Find the Right Fit Determining when Nationwide CareMatters II is a Fit for Your Clients

Most people will need long-term care (LTC) at some point during their lives, and the costs can be significant. Nationwide CareMatters II offers your clients an efficient way to plan for these potential expenses with LTC coverage plus a death benefit for cost recovery if LTC benefits are not needed. Click here to learn more!

2020 Advanced Sales materials

Each year, because of tax law changes, the contribution and deduction limits for various accounts index for inflation. Our Advanced Sales team prepares Tax Tables at a Glance which summarizes the new numbers for the year.

We have also updated the Asset-based LTC Tax Guide for individuals and businesses, which reflects the changes for LTC. Click here for the 2020 Asset-based LTC Tax Guide.

Accessible, Flexible, Dependable

Asset Care with Return of Premium ensures your clients can always access their funds. They can be used for LTC expenses, passed on as a death benefit, or returned minus any prior distributions upon surrender of the policy.  Click here to learn more.

Lincoln MoneyGuard’s Suite of eOptions and the Launch of eApp

Lincoln has a long-standing commitment of helping protect client wealth from the risk of long-term care expenses, while improving the overall financial professional and client experiences. Our suite of eOptions provide greater control—saving you time and money. Our latest addition, eApp, ensures that your paperwork is submitted in good order, so you avoid the hassles of resubmissions.  Click here to learn more!

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

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.  See our program flyer for more details.

• Available Nov. 1, 2019, through March 31, 2020
• Product offered: Symetra Protector IUL

iGO e-App Training

New to the iPipeline e-App? Need a refresher on the instant decision process? Take a look at our agent training videos for Living Promise and Term Life Express e-Apps featuring Automated Underwriting - our instant decision process.

LTC Commission Timing and No Cash with Application Update

Beginning February 23, 2020, compensation will be paid at the time the first premium payment is received, all PIRs are complete and the case is considered placed. As we implement these changes, there are important dates and details to remember.

Matters of the Heart: Underwriting Cardiovascular Health

Legal & General America is highly competitive when underwriting cardiovascular health. Clients with treated high blood pressure and/or hypertension may still qualify for our best rate class. Check out our Underwriting Sweet Spots.

Streamline Your Business with TeleLife

Watch this short video to see how our TeleLife team takes the administrative work off of your plate – giving you more time to meet with clients and make the sale.
 
Making Electronic Policy Delivery Even Better

We’ve just released new enhancements to our electronic policy delivery that make it even faster to get a policy in a client’s hands.  Here’s the latest news.

Deadline for Vitality PLUS One-Table Upgrade Program is March 31

Now customers who are approved with a substandard rating can earn greater credits when they engage in Vitality PLUS. Therefore, we will discontinue the temporary automatic one-table upgrade program for applications received after March 31.  Details can be found here.

See Our Updated UW Sweet Spots

Our revised Highlights guide includes marijuana criteria updated in December.  Sweet Spots Flyer

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.