3 Mark Financial, Inc.

June 10, 2020

Please join Elaine Marvin, from OneAmerica for

Using Qualified Funds for LTC

Help your clients prepare for potential long-term care (LTC) expenses by offering alternatives to traditional LTC insurance. Through the companies of OneAmerica®.

 Webinar later today at 3:00 pm central 

Central Intelligence 

It's easy to stay current with important court rulings and legislative updates that impact our industry by checking out the summaries we provide in our monthly Central Intelligence publication. 

Hancock Talks Podcast

Click here to launch the Hancock Talks Podcast titled Finding new ways to deliver products, services and solutions.

Offering a “Personal Key Person” Solution

Small business-owner clients, financial planning can be complex. That’s because, in addition to being a “key person” to their company, small business owners are often essential to their family’s current and future financial security, which requires considering both protection and succession planning as well as saving enough for retirement. You can help clients meet these challenges by offering life insurance in a “personal key person” plan that’s customized to meet your clients’ specific needs.

• NEW Client Guide
• Planning in Action

Estate Planning - High-Net-Worth Client promo flyer

Learn about the underwriting and capacity, carriers' strength, advanced planning team support, and flexible product solutions that make Prudential a leader in this market.

Chronic Illness Sales Idea

At United of Omaha, we offer Accelerated Death Benefits for Terminal Illness and
Chronic Illness. These riders give clients an option to access a portion of their
death benefit early. This money can provide a little more comfort during a difficult
time or can be used to help cover the costs of long-term care.  Click here to learn more.

Dads Can Protect What Matters Most – Even on a Budget

Simple, affordable protection options are more important now than ever. Legal & General America has your clients covered with low rates and a better, faster process. Personalize and share this resource with clients

Symetra Term:  Now available through iGO e-App

Great news! As we continue to streamline our application submission process, Symetra Term Life Insurance is now available through iPipeline’s iGO e-App platform. 

Symetra IUL Extra Coverage Program

Are your clients looking for additional death benefit coverage? We’re offering clients an opportunity to purchase up to $1 million in extra Symetra Protector or Accumulator IUL coverage without full underwriting.  To learn more about our enhanced Symetra IUL Extra Coverage Program.

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. 

Asset Correlation - How can it Derail your client's plans?

Low correlated Assets can help you balance your portfolio risk and return potential.  See how an IUL can help you build a balanced portfolio.

Rapid Rater App from Apple App Store or Google Play

Quote on-the-go anytime, anywhere with Rapid Rater. Out in the field? Get an instant quote on your phone with the Rapid Rater app!

Rate Increase for Secure Lifetime GUL 3

Please see product bulletin for details about new rates and transition rules.

May 2020, Monthly Market Snapshot

Click here for a one-page, client approved monthly performance snapshot.

State of the Markets: Join the First Protective University Webcast

Our new Protective University webcast series brings you industry news and trends from leading experts, along with best practices from Protective to help you do business easier. Sign up for our first webinar on Thursday, June 11 to hear from Randi Benash and Sydney Presley at LifeTrends on how 2017 CSO & PBR have changed the life insurance landscape.
 
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.

Could a Modified Endowment Contract (MEC) be right for your client?

When helping clients with life insurance planning strategies, consider how an indexed universal life policy can help provide immediate death benefit protection while creating a distinct asset class. Learn More

How to Close the Large Life Insurance Case

Large life insurance cases often require extra attention, time, and patience. Terry Register specializes in large life insurance cases and tells us how he makes all the pieces come together for a successful sale. Watch Now

Creating Wealth To Leave A Lasting Legacy

For clients who feel unsettled by the market, consider using life insurance as an asset to help stabilize and transfer wealth regardless of market performance.

Your One-Stop Sales Shop.

North American’s Marketing Toolkit has supporting materials for 14 of our most popular sales concepts, including client-friendly brochures and videos, client profiles, and so much more. Plus, after you identify the life insurance need, you can use the same site for product information and materials. Bookmark this important resource now!

Life Insurance Supports a Lifetime of Financial Needs and Goals

Consumer approved brochure for producers to use with their clients and prospects 

Experience the Power of Pacific

Watch this short video to see why families and businesses have trusted the strength, stability, and power of Pacific Life for more than 150 years.

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.

ePolicy Delivery Now Available for SecureCare (Asset-based LTC)

How to Write SecureCare Remotely e-Toolkit

ePolicy Delivery (the FAQ)

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.

Reminder – Nationwide CareMatters® II Max Issue Age Raised to 70

On May 11, 2020, Nationwide raised the maximum issue age to 70 for CareMatters II policies that elect the Minimum Refund of Premium with Maximum Long-term Care Benefit option for single-pay, five-pay and ten-pay schedules. Take a look at the product highlights to review the guidelines.

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!

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

Beneficiary Information Request Form – Effective June 15, 2020

Effective June 15, 2020, in compliance with new regulations in Illinois and California, the Beneficiary Information Request form (ORD 115116 2020) will be introduced.

Life New Business & Underwriting News

Click here to view the latest edition including time service standards and results.

AIG Partners Group now on iPipeline's iGO Platform

e-App for AIG Partners products is now available on the iGO platform. 

Symetra now on iPipeline's iGO Platform

Symetra has just announced a relationship with iGo.  Key benefits of the e-App include the elimination of Not in Good Order applications, reduced cycle time, and simplifies the application process.

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.