Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
May 6, 2020
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Please join Global Atlantic's Randy Zipse for and introduction to
Design Hub
Design Hub is an exclusive marketing tool that generates customized client presentations that illustrate key life insurance concepts. It is an easy-to-use and powerful marketing tool that saves advisors time and effort when preparing for client meetings.
Webinar later today at 3:00 pm central
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American National Announces a Summer Agent Cash Bonus Program
Click here to view the flyer and review the details.
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Start the Medical Cost Conversation
Click here to view the client flyer to open the discussion about health care costs and the benefits of living benefit riders on today's life insurance contracts.
New, Improved Select-a-Term Rates
As of May 4, 2020, all bands of Select-a-Term just got even more competitive nationwide. H
Help Millennials prepare for the future
As of 2020, Millennials will be the largest workforce on the planet. This generation will have an abundance of opportunities and a landscape of challenges. They most likely will have needs to cover funeral/ final arrangements or establish an emergency fund. Help them prepare for their future with Select-a-Term.
Here are a few tips for working with Millennials: • Use technology in all interactions • Transparency: be honest and be yourself • Preferred method of communication is text message
Get the conversation started with this Infographic
View and download this sales concept.
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Discover Our NEW Expedition SIUL
Columbus Life recently introduced its NEW Expedition SIULTM Survivorship Indexed Universal Life product. This second to die product is designed to provide your clients with a flexible design that can be customized for wealth transfer, business planning needs, and more! Click here to learn more.
Six New Sales Ideas for Insurance Agents
Need new ideas for insurance sales that can help grow your business? Jeff Taber shares tips that he’s learned from agents across the country. Watch Now
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Be sure to check out the revamped Crisis to Confidence resource center for tools to help financial professionals take the right actions to build client confidence.
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Providing Lifetime Assurance at a Competitive Price
Don't let your clients get stuck thinking that protecting their loved ones with guaranteed lifetime coverage isn't within their budget. Protective Lifetime Assurance UL is straightforward and competitively priced, making lifetime guarantees more accessible for your clients. Learn more in our product guide. Have clients who want term coverage for more than 30 years?
Protective® Classic Choice Term’s 35- and 40-year term periods offer your clients peace of mind well into retirement years. Check out our Client Product Guide for more details.
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IUL Express Participation Rate, Cap Rate, and Premium Changes
Effective June 10th, we will be changing our participation and cap rates on IUL Express. As a result of the rate changes, the Easy Solve premium and Target premiums will also be adjusted effective June 1st. Learn more. Loan Provisions are Important on an Accumulation-Focused IUL
Income Advantage IUL is designed with client-friendly features that help limit future risk, like our index loan feature. Learn how our index loan provision stands apart from the competition.
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Client Intelligence: Giving you reasons to reach out to your existing clients
National Life Group recently launched Client Intelligence, a dashboard on the Agent Portal that provides transparency into your clients’ interactions with National Life. Find out what actions your clients are taking on their policies to stay connected in a better way.
To access Client Intelligence, go to the Agent Portal by visiting Nationallife.com and selecting "log in" in the top right corner. Once logged in, select "Client Intelligence" under "Business Tools.” Need a refresher on Client Intelligence? Watch this video.
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Take a closer look at Global Accumulator
Global Accumulator can deliver a “win” for you and your clients with our SMART-Buy-Up Secure and SMART Buy-Up Performance indexed strategies. Take a closer look at Global Accumulator for your Preferred or better male clients, ages 35-55 using with SMART Buy-Up indexed strategies or the 1 Year Point-to-Point strategy.
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Hancock Talks
Don't miss the latest edition of Hancock Talks for details on maximizing the gift tax exemption, including:
- Advantages of making gifts today given the current environment
- Ways to leverage some of the lowest Applicable Federal Rates (AFRs) in history
- Insights on a "wait and see" gifting strategy
Available on Apple Podcasts, Google Play, or wherever you download podcasts!
Gifting in Uncertain Times
With so much uncertainty in the world, clients who are able to leverage the largest gift/estate tax exemption in history may be more reluctant than ever to irrevocably give away their assets – even if they know it will benefit their family in the long run “Survivor Standby Trusts” a creative way to own life insurance that combines trust planning with enhanced control today. Click here to read more about Survivor Standby Trusts. Policy Crediting Rate and Indexed Parameter Changes
At John Hancock, we’re proud of our lengthy track record for delivering exceptional policy performance for customers. Our investment capabilities are at the core of this continued success. Of course, as economic conditions change, policy crediting rates and indexed parameters will change. The recent sharp decline in interest rates has necessitated some adjustments, effective June 1, 2020. This flyer provides details on the new rates for each product.
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Help clients understand the impact of the Coronavirus Aid, Relief, and Economic Security (CARES) Act. Get the CARES Act Flyer
Index Account Updates – May 2020 Impacts of market volatility and the low-interest-rate environment will cause IUL index parameters to be adjusted. The new caps and spreads for impacted accounts will be effective for May segments. Learn More
LifeEssentials
Click here to view the May 5, 2020 edition of LifeEssentials
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Add predictability by leveraging alternative assets with life insurance
Do you have clients nearing retirement who are concerned about market volatility and the sustainability of their investment portfolios? We have a strategy that can help insulate some of their assets slated for wealth transfer from the market’s ups and downs. Our “Leveraging Alternative Assets” sales concept can generate more life insurance sales while helping clients add predictability to their investment portfolios. Click here to view materials.
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The Advanced Sales Journal From the Nationwide Retirement Institute's Advanced Consulting Group
In this issue learn about Life Insurance and creditors, Flexible benefits for key employees, The 3-step approach to elder care planning, and much more. Click here to learn more!
April 2020 Life Insurance Product Changes
Click here to view the product and rate change announcement.
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Principal News and resources
Click here to view the latest news and resources that can help you do business with the Principal.
CARES Act Resource
What you and your clients need to know about the CARES Act. Conference Call Replay.
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Effective May 4, 2020, Pacific Life is introducing premium increases for PL Promise GUL
Click here to view the announcement.
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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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Help High-Net-Worth Clients Avoid a Hidden Cost of Self-funding Long-term Care
High-net-worth clients have the assets to self-fund for long-term care (LTC) expenses, should the need arise. But they might not realize that there could be a hidden cost to self-funding: estate taxes due on the funds left untouched. Click here to learn more!
Transition Guidelines for Nationwide CareMatters II
Effective May 11, 2020, Nationwide is repricing the current Nationwide CareMatters II product for all new business. View the guidelines.
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Updated - SecureCare Indemnity vs. Reimbursement Agent Brochure
The financial professional only version of the SecureCare indemnity vs. reimbursement brochure was recently updated with new case studies. View Brochure NEW – SecureCare Tax Sales Success E-Toolkit
Now all the SecureCare tax marketing materials are conveniently bundled together in one place with step-by-step instructions about how to use them! Added value, this is also a great prospecting tool for marketers to use with agents – they can add their contact info to the PDF before sending it out. View E-Took Kit HERE.
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COVID-19 Update: Temporary Changes to Our Business Limits
Click here to view the OneAmerica News to Know that outlines the changes
Virtually Here for You
New enhancements to our eApp process are making it easier for you to submit new business with OneAmerica. All virtual resources can be found on www.assetbasedltc.com. The application submission process follows an intuitive path when you do it through our eApp. Watch this video for a step-by-step breakdown of our process. We also have compiled tips for you to consider before submitting your applications. Remember you have an option to gather signatures when your clients can’t meet in person. Using our eSignature Process can save you and your clients time. Watch this video to learn how to use eSignatures to help you move business forward. We are constantly working to streamline our processes to improve your new business experience.
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Get the best disability income opportunities
Recent events have income protection at the front of everyone’s mind – and the ideal prospect might not be who you think. Regional sales manager Paige Phelps will show you how to get your foot in the door with the massive market beyond white-collar professionals. Watch the video here.
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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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COVID-19 Service Update
Click here to view the document.
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Symetra Life Division's Monthly Newsletter
Due to the volume of communications recently distributed, we’re highlighting these messages in this month’s Sales Flash. For the latest information, check our COVID-19 updates
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Important Partner Dashboard Drop Ticket Update
When you drop a ticket to the Partner Dashboard, eligible applicants can experience Legal & General America's new digital application and automated underwriting platform.
Our new platform makes it easier to add functionality to enhance the experience for you and your clients. The following changes will be implemented May 4th:
- Broker Info tab moved to the first screen
- Reminder added for writing agent selection
- Agencies will receive a copy of the customer email and link
Find more information about our new digital application here.
Exam and APS Substitutions During COVID-19 Situation
As a reminder, during the COVID-19 situation, Legal & General America has temporary guidelines and exam substitutions in place to make it easier for your clients to get the coverage they need. Learn more
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Helping Clients Safely Get the Coverage They Need
Our streamlined underwriting program can eliminate the requirement for a paramedical exam or labs on qualifying cases. Get the underwriting program details and answers to common questions.
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COVID-19 Resource Center
Find resources for processing business, underwriting, policy communication and more by visiting this website.
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New! updated authentication process
Securian announces an updated authentication process for signers during the eDelivery process. Click here to view the FAQ
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After careful consideration, beginning Monday, April 27th and until further notice, applications for life insurance will not be accepted for applicants age 70 and older.
Applications received in-house prior to Monday, April 27th are unaffected by these changes.
If you have any questions, reach out to
underwriting@assurity.com or call us at 800-276-7619 Ext. 4264.
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Update to SBLI’s Response to COVID-19
SBLI continues to closely monitor the COVID-19 pandemic and its impact on our business. We stand ready to support you through these challenging times, so let us know what we can do to help you. Please note the following temporary changes effective April 17, 2020. For more details, click here.
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Temporary policy delivery process during COVID-19
We have temporarily changed our policy delivery processes to accommodate our partners who are currently working remotely. Those changes include allowing you to take advantage of e-Signature through John Hancock’s DocuSign account for the time being. Refer to this flyer for all the details on our current policy delivery process, including how to obtain access to our DocuSign account.
Human API Portal Available to All Distribution Partners In order to expedite the underwriting process for cases where medical records cannot be accessed through traditional channels, your clients can now provide John Hancock Insurance direct access to their health records through our Human API patient portal. Please see additional details here. |
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Underwriting Updates: COVID-19
Click here to view and download the document.
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Underwriting just got faster (and easier)
Our new nonmed requirements will help you minimize face-to-face interactions, avoid traditional requirements, and most importantly, get policies placed quickly. Click here to view the announcement.
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During these uncertain times, Prudential remains committed to making it as easy as possible for you to continue to build your business and ensure clients have access to the life insurance coverage they need. That’s why we’re introducing two important updates to PruFast Track, our accelerated underwriting process. For a limited time, we are:
- Increasing the face amount limit of eligible policies from $1 million to $3 million.
- Eliminating the medical exam and lab requirements, where possible, for applicants age 60 or younger, applying for $3 million or less in face amount coverage.
Click here to learn more.
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Run a Virtual Office
Navigating the new normal in a virtual environment can be overwhelming. These resources are here to help ease the transition Tools and On-Demand Videos Close Cases Faster
Not everyone wants to go through the hassle of the medical underwriting process for their life insurance policy. Share this new consumer approved flyer about non-medical underwriting with your clients. Fillable Flyer
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Enhanced Online Request Part B We’re excited to announce our new online Request Part B is available beginning May 4. The updated system can help simplify the process to request a Part B for life and disability clients and offer:
- Access to the online system without needing to login to the advisor website
- Improved system responsiveness and ease of use
- 24/7 availability
- A faster request process versus calling to request
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Global Atlantic Announces Important UW Updates
Visit: www.globalatlanticlife.com/covid19, and click on Current New Business and UW Guidelines for the most recent information regarding Global Atlantic’s underwriting requirements.
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Express a weekly update from Mutual of Omaha
Click here to view the April 22 edition that includes underwriting updates.
Increase to Accelerated Underwriting Limits
Effective immediately, we are increasing the face amount limit for accelerated underwriting on Life Protection Advantage IUL, Income Advantage IUL, and Term Life Answers to $2 million. Use the Accelerated Underwriting Program flyer to promote this newly increased limit.
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iPipeline eApp update for SecureCare
Beginning May 2, 2020, the eApp product type for SecureCare Universal Life will change from Universal Life to Life/LTC. This may impact your SecureCare eApps in progress. We apologize for any inconvenience this may cause. Click here to learn more.
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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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