3 Mark Financial, Inc.

June 3, 2020

Please join Bruce Guillemette, from Equitable for

How to win with Equitable's GI Opportunity

Equitable's Guaranteed Issue Program streamlines the process of obtaining life insurance. With just a little paperwork, groups go through underwriting based on formulas and employee classifications, instead of lengthy medical questionnaires and exams. Guaranteed Issue can be an excellent way for employers to attract, reward, and retain key employees who are in good health.

 Webinar later today at 3:00 pm central 

Preserve your client’s home with life insurance.

For many of your clients, their homes may be one of their biggest and proudest assets. Are they prepared should life takes an unexpected turn, and they find themselves not earning the income to meet their mortgage payments? Use these ready-to-go promotions to show your clients the value of life insurance in protecting their homes and their loved ones.

Leverage the power of three for comprehensive planning

See how Protection UL — with John Hancock Vitality PLUS and our Long-Term Care (LTC) rider — offers a powerful three-in-one solution that can help your life insurance clients protect their wealth and health for a lifetime.

Additional Appropriations to Help Small Businesses, Healthcare, and Testing

The Paycheck Protection Program and Healthcare Enhancement Act provides additional funding for both programs, among other healthcare-related items.  Click here to find out what changed!

Are your clients protected from employee losses?

Small businesses are dealing with a lot right now. Help alleviate some of that stress by encouraging them to protect their business from the loss of a key employee.  check out this two-minute video to learn more about how adding life insurance can help small business clients navigate these tough times, and visit www.LFG.com/BISLearningCenter to access additional resources to help you address the needs of business owners.

Maximize Your Marketing

Have you visited our marketing toolkits available on Producer Bay lately? Our robust toolkits allow you quick access to all the PL Promise marketing materials in one place — everything from product materials to personalized email campaigns and presentations, and more! Explore Resources
 
Sales Idea for PL Promise GUL

Consider PL Promise GUL for 1035 Exchanges and Final Expense Coverage. Discover a potentially more affordable alternative to whole life! Get the Case Study

5 tools to make it easy when face-to-face isn’t an option

Click here to download the Securian Digital Tool Kit.  This kit contains useful information when you can't meet with a potential client face-to-face.

NEW! Financial Planning Presentation (Client/Prospect Approved) Geared Toward Women

‘In Her Shoes’ client/prospect presentation is now available 

How Relationships Create Sales Opportunities

Learn how to build relationships through networking groups and referrals, leverages the expertise of those around you, and invests in your own education to build your book of business. Watch video.

Looking for Allianz Marketing Resources at the click of a button?

Utilize the Allianz Microsite for quick and easy access to updated marketing resources to help you grow your life insurance business.

Six Steps to Success with Life Insurance and the BenefitAccess Rider

Use this step-by-step plan to discover new life insurance opportunities and grow your business.  Download here.

Demystify Estate Planning with Our New eKit

Share this new eKit with your financial professionals so they can drive impactful conversations with clients and help them create an estate planning strategy.

Lower Rates for Protective Classic Choice Term

We just repriced Classic Choice Term to be even lower in both monthly and annual pay scenarios. And if that wasn’t enough our new 35- and 40-year term periods mean that Protective is one of only three carriers to offer term coverage beyond 30 years. Visit our website to learn more.  Download the Bulletin and Transition Rules
 
Guaranteed Protection + Living Benefit Coverage = Built for Life

Half of those turning 65 will need some type of LTC coverage, but adding a chronic illness rider can be expensive for many clients. That's why Protective Lifetime Assurance UL delivers two types of solid protection: (1) a straightforward death benefit and (2) optional chronic illness coverage with our ExtendCare Rider. Learn more in our product guide.

Thinking About Life Insurance In A New Way

Clients sometimes think that life insurance is only to provide for the family after a loss, however, using life insurance as an asset may be able to help in many other ways.

Learn How to Maximize IUL Illustrations

You don’t want to miss this informative webinar with Columbus Life’s Training Coordinator. Join us at 11:30 a.m. (EST) on Thursday, June 4 for tips on how you can maximize indexed universal life illustrations. Register Today

A Prime Opportunity to Provide More Coverage to Your Clients

Global Atlantic’s Additional Insurance Program provides the opportunity to offer more permanent life insurance protection to clients who recently purchased insurance with little or no additional underwriting. Click here to learn more.
 
Get In Shape with Summer Training Camp

Join Global Atlantic’s weekly training webinar series to help you stay in top selling shape! Webinars will be held each Wednesday through July and will focus on advanced selling concepts. June 3rd we will offer an overview of the recent Covid19 Stimulus legislation and the SECURE Act. You can register for the Covid19 Stimulus webinar here, and the SECURE Act webinar here.
 
The State of IUL

Tom Doruska, Head of Product Development at Global Atlantic and a pioneer in the IUL industry provides his insights on the IUL market and the latest product designs being offered. To read click here.

2020 Individual Disability Income Insider series

We’re trying a new format where you can watch the IDI Insider series whenever it’s convenient versus making time for a scheduled call. The latest installment discusses how to build your income protection conversation. View presentation (13:20)
 
Make sure you also view our new 3-minute Brainshark on Simplified Underwriting for DI which is catered to today’s working environment. 

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.

Virtual Care Solutions University – June 9, 2020, 12:30 – 4:30 PM EST

This four-hour educational session is the perfect opportunity to invest in your personal growth and take your Asset-Based long-term care business to the next level. Register here and explore what awaits you during our Care Solutions University!

Lead the Long-Term Care Conversation

47% of Americans struggle to have financial conversations with loved ones. You can make a difference. Right now, while most of your clients are at home with their loved ones, help them initiate a long-term care discussion and feel more confident about the future. Leverage the resources on this site to help your clients navigate the changing landscape and stay focused on protecting their long-term goals.

The Upside of LTC Coverage in a Down Market

Linked benefit policies have similar options that compare to traditional LTC policies but guarantee the LTC premiums and benefits — and provide a death benefit that will return to beneficiaries at least the amount of premiums paid into the policy if LTC benefits are never used. So, when is the best time to buy such a policy?  Click here to learn more!

New State Approvals for Consumer Marketing Materials for SecureCare

The following consumer materials are now available in all states except Arizona, California, D.C., Montana, North Dakota, and New York (please note: Florida has its own state-specific materials). Financial professional personal brand can be added.

• Securian Financial’s Caregiving Survey
• LTC Planning and Women Brochure

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

Go Digital with SBLI: NO FACE-TO-FACE CONTACT NECESSARY!

Our unique Accelerated Underwriting process guarantees no face-to-face contact for all clients, ages 18-60 seeking $500,000 or less of life insurance for all risk classes. We guarantee that no one will be redirected to our traditional underwriting process. Click here for the step-by-step guide to our process!

New Updates to Protective Velocity

We’ve just made several new improvements to our Protective Velocity electronic solutions that make submitting and placing with us faster and easier. Visit our Know What Matters website for more details.

Resources To Help You Stay Abreast

Stay up to date on the latest Life underwriting updates, new and in-force business, and materials to help your clients navigate market volatility.
 
Digital Tools Help Transform The Way You Do Business

We make it easy for you to provide life insurance via email and online, using technology in place to keep both you and your clients safe.  View our tools.

New Digital Application Agent Guide

Legal & General America’s new platform offers a faster, better experience for agents and their clients. The platform is still being enhanced but right now you can take advantage of improved drop ticket options that allow you to send your client a link to the new application that takes just minutes to complete. Digital platform Agent Guide

Clients with Substandard Build
Legal & General America offers competitive weight ranges for clients with substandard build. Even better: table ratings will be based off our Standard Plus rates, giving us a leg up on the competition. See the Substandard Build Chart.

2020 Life Resource “eBook” Guide

Doing Business with Prudential – Life Business Resource Guide Spring 2020. Find what you need to help you do business quickly and easily in this changing environment. 

Symetra’s Accelerated Underwriting Program

At Symetra, we recognize the difficulty of obtaining client exams and APS’s during the COVID-19 pandemic and that’s why we are pleased to offer our Accelerated Underwriting Program. Designed to offer clients a Symetra permanent life insurance policy without completing an exam or submitting an APS, Symetra’s Accelerated Underwriting Program is available for clients ages 18 to 60 who receive a Standard rate class or better. Check out our new program flyer to learn more about how it works.

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.

Check Your Settings for an Optimal Experience.

We aren't expecting iGO users to be computer experts, but knowing which browsers are supported and some quick tips to clear cookies and cache can make for better user experience!  In this installment of our Did You Know series, we are covering iGO System Requirements. IT Support we are not, but experienced in browser troubleshooting we are. From clearing cookies and cache to helping with pop up blocker settings, our support reps work through user error messages each and every day! Check out the full article on our Customer Portal, and learn why we take certain actions and just how simple it is to help your own users when they face roadblocks.