3 Mark Financial, Inc.

March 18, 2020

Please Join Amanda Fleskoski, Protecdtive's Regional Vice President for:

Maximize Coverage With Two Policies

This is a flexible solution is for your clients who would like to ensure that their mortgage will be paid off in the event of their premature death.  

Webinar March 25, at 3:00 PM Central

Updates to Term LIfe Answers Conversion Language

Click here to view the Mutual of Omaha communication.

IUL Express in Four Simple Steps
Looking for training on IUL Express? Review our IUL Express process guide, which walks you through the four simple steps for selling IUL Express.
 
Don't Miss Our Simplified Issue New Agent Webinars
If you are a new agent, make sure you mark your calendar to learn the tools and tricks to help you be successful.

Five Reasons Women Need Life Insurance

It’s no secret that women are underinsured compared to men. We’ve put together some of the key reasons why it’s important for women to get adequate coverage for their needs. Share the flyer with prospects and clients.

he Term Rider Advantage – meeting coverage needs today and tomorrow

Price is often the reason people choose a lower face amount than their agent advises and they don’t always think about the future. With Legal & General America, you can stack up to three Term Riders with larger face amounts on a smaller, longer duration base policy. This strategy saves on policy fees and helps clients get the right amount of coverage for the right amount of time.

Satisfy Your Need for Speed with our Distinctive IUL Non-Medical Opportunity!

Non-Medical underwriting on Max Accumulator+ fillable flyer

Global Atlantic is Committed to Keeping Our Promises

Click Here for a flyer you can use with prospects and clients to inform them how Global Atlantic is fulfilling the promises we make to our policyholders year after year.

Is it Time for a Life Insurance Checkup?

Life changes fast. Have your clients’ policies kept up? Now’s the perfect time for a life insurance policy review. Use this handy client worksheet to start the conversation.  
 
5 Steps to Easy Policy Reviews

Check out this Pacific Life Policy Review Field Guide to prepare, prospect, and conduct more effective policy reviews.

Life Provides us with Surprises from Time-to-Time!

When it does, one option is to access cash value within our life insurance policies. Here is a client-approved marketing piece on how a client can use cash value within their life insurance policy (also a great piece to use when explaining “what is cash value life insurance”).  Check the flyer out here!

SECURE Act of 2019

The SECURE Act, one of the most comprehensive retirement legislation passed into law in nearly a decade, went into effect on January 1. It aims to encourage consumers and businesses to improve saving for retirement. And though it has created many favorable planning opportunities, it has also created new obstacles for existing wealth transfer plans, particularly those involving a beneficiary inheriting an IRA. To keep you in the know, Equitable has designed several life insurance resources.

• View our case studies.
• Share our client flyer. 

Compete and Win Against Asset-Based LTC

See how our new Protection IUL with the LTC rider can provide a higher death benefit and larger maximum monthly benefit amount — and help you close more cases — when competing against asset-based LTC policies.
 
Offering More Opportunities and Choices for Growth

Our highly competitive suite of IUL products combines industry-leading performance with the flexibility to choose from a diverse range of indexed account options based on your clients' appetite for risk.  Get the details you need to talk more confidently about these options. 

Help Clients Create a Comprehensive Retirement Income Plan

The Nationwide Retirement Institute’s Social Security 360® program helps your clients optimize Social Security filing decisions for a more comprehensive retirement income plan. Click here to learn more!

Considering a 1035?  Look at Symetra Accumulator IUL

With increasingly complex policy features and crediting rates, no one can accurately predict how an indexed universal life (IUL) product’s actual performance will compare to its illustrated performance. So it’s important to consider how policy design and different performance scenarios can affect future distributions. That’s why Symetra Accumulator IUL, with its straightforward features, low cost, merits serious consideration.  AIUL Merits of IUL in 1035 Exchange

Does the Recent Market Volatility Have Your Clients Concerned?

If the recent market volatility has your clients on edge, utilize one of our top-used marketing pieces, “Haven’t Lost a Penny,” that has just been updated with 2020 information. Read more.
 
Sales Secrets from Top Producers
We had to ask, what are our Affiliated Agency Leaders' secrets to success and how can you better position yourself for growth in 2020? Hear from some of our top producers… 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.

Care Solutions, Learning Opportunities

Want to get more versed in our product portfolio? 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.

Long-Term Care Solutions that Spouses Can Agree On

Did you know that 75% of people who buy long-term care (LTC) policies are members of a couple, but women are more likely to purchase than men? 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

Underwriting Update regarding foreign travel to Italy, South Korea, China/Hong Kong

Click here to download the flyer. 

All New York Applications Submitted Must Comply with Reg 187

NY Reg 187 went into effect on Feb. 1, requiring compliance with the new regulation before any application is submitted. Our transition period allowing applications signed before Feb. 1, but submitted after, has expired. Effective March 1, new NY applications and those meeting inforce transaction requirements must comply with Reg 187, regardless of the date signed.

For full details, read this action plan, now updated to include common Q&As. 

Avoid Unnecessary Delays in the Underwriting Process

Columbus Life’s Director of Underwriting explains how you can help ensure you’re providing the details an underwriter is looking for. Watch the video now 
 
Columbus Life Telephone Support Updates
To better serve our producers and our policyholders, we have made updates to our telephone support system.  Find out more

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.

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.

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.

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.