Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
June 17, 2020
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Please join Ronnie Russell, from American National for
Accelerated Underwriting
In the current environment, being able to work with your clients in a digital, paperless, end-to-end process is important. During this call we will share with you a few ideas on how we can help you with submitting business through the various platforms (drop ticket, eApp), we will also cover some best practices.
Webinar later today at 3:00 pm central
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How Taxes Affect Your Assets at Death
This guide will help clients understand how certain taxes could potentially erode the value of their estates. It also introduces the strategies that can reduce the impact of those taxes so clients can pass more wealth to their heirs.
Estate Planning: Tax Erosion Guide
This guide helps clients understand the taxes that can erode their estate. It provides examples for each tax and a summary tally at the end. Learn more
Important Changes Coming to Essential UL and Founders Plus
We are adjusting rates for both Essential UL and Founders Plus effective June 29, 2020. In addition to the rate adjustments, we are removing the premium cap for Founders Plus. Click here to view the announcement.
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Life Insurance for High Net worth Foreign Nationals
Last July, we launched enhancements to Symetra’s high-net-worth foreign national (HNWFN) market program. At that time, we made a commitment to continually evaluate and, where possible, make improvements to our program. We are pleased to announce the following enhancements: click here for details.
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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.
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Review Your Book for Life Insurance Opportunities
Global Atlantic’s External Term Exchange Program allows you to offer those clients who purchased term insurance in the last 3 years an opportunity to convert to permanent insurance without underwriting. Click here for program details.
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 17th we will offer two sessions focused on Business Continuation. We will offer an introductory session. Click here to register. If you are experienced with Business Continuation strategies you may want to sign up for the more advanced session.
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Our LTC Rider Provides Flexibility When Clients Need It Most
As a leading authority on long-term care, Equitable offers one of the most comprehensive riders in the industry today. See how our LTCSR can provide enhanced benefits so clients can face the future with the wisdom to make smart choices.
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Leverage. Legacy. Liquidity.
Leverage client funds into a larger legacy while maintaining liquidity with North American’s Smart Builder indexed universal life insurance (IUL). Zero premium load. Zero surrender charge. Zero charges for critical, chronic, and terminal illness (CCT) accelerated benefits. Discover how this product coupled with North American’s accelerated underwriting can help lead to more opportunities for you and your clients. Get the details here.
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Share the Benefits of Lifetime Assurance UL with Your Clients
Our newest GUL, Lifetime Assurance UL, offers predictable payments within a client’s budget. Share the benefits of Protective Lifetime Assurance UL with your clients with this brief video.
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The future belongs to those who move fast.
Help your term sales keep up: 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!
Get on the same page with your clients!
Note sure where to begin? AIG has conversations starters tailored to each generation to help!
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Tips for Selling to Gen X and Millennials
Insurance agents today need to be prepared to sell to different generations. Duncan Wilson gives us his tips for approaching Gen X and Millennial clients with insurance and financial products. Watch Now
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Learn What Makes Our IUL Products Unique
Indexed Universal Life insurance provides your clients with life insurance protection - and more. Learn more about the features that set Income Advantage and Life Protection Advantage apart in the marketplace.
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Lower Monthly Modal Factor and New Term Rates
Legal & General America is committed to providing low-cost coverage and long-term protection options. We’re always looking for ways to improve, whether in pricing or process, to offer the best value and experience for you and your clients. See reprice materials
Term Marketing Materials All In One Place – No Login Required
Visit our term page to learn more about the recent OPTerm reprice and new lower monthly modal factor. Download resources you can share with agents and clients. Go now
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PL Promise GUL – Even Better with Chronic Illness Benefits
Are your clients prepared for the risk of chronic illness? We’ve got you covered. PL Promise GUL offers chronic illness protection! It’s an affordable alternative to whole life. Check out this informative brochure to learn more about the optional PL Promise Chronic Illness Care Rider.
Save Time – Prequalify Your Clients
Reference this comprehensive prequalification questionnaire to see if your clients are eligible for the optional PL Promise Chronic Illness Care Rider.
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SBLI TERM-AT-A -GLANCE
SBLI Brokerage offers a complete range of guaranteed level term insurance options providing both affordable protection and adaptability to meet your clients’ varied needs. Click here for more details.
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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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Virtual Care Solutions University – June 9, 2020
If you were unable to attend or would like a refresher of what was presented please Click here for a recording of the event.
Care Solutions, Increase your overall knowledge of LTC
Join us on Friday 6/26/20 from 11 to 11:30 a.m. ET. to get more versed Long Term Care. Click here to register for the webinar.
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Take a disciplined care-funding approach to LTC planning
Do you have clients looking for a way to navigate the market and transition into a guaranteed, income tax-free long-term care solution? Similar to dollar-cost averaging, taking a systematic approach to funding a Lincoln MoneyGuard Solution with a flex-pay option can help your clients navigate changing markets. Learn more
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Planning Now Gives You More Options Later
LTC involves a variety of support and services designed to help you live as independently and safely as possible when you can no longer perform everyday activities on your own. Click here to learn how we can help you put a plan together!
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LTCi: Better Than Relying on Family
You're certain to run into clients whose plan for long-term care is to have their kids take care of them. While it may seem like a practical and simple solution, this article and video help convey what being a caregiver really means.
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New SecureCare Pre-screen Checklist
The new SecureCare pre-screen checklist helps agents know what client information info to collect to complete a thorough pre-screen before beginning the underwriting process.
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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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Important Announcement
Lincoln will be suspending their Table Reduction Program (TRP) for all life insurance products (not applicable for Lincoln MoneyGuard) effective June 22. Lincoln will honor all qualifying TRP offers made by June 19, 2020, as long as the formal application is received at Lincoln, by June 26, 2020, including:
- Trial TRP offers made by June 19, 2020
- Formal TRP offers; subject to normal application, product, and/or issue guidelines
For all formal and trial cases received at Lincoln after June 19, 2020, no new TRP offers will be made during this suspension.
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Important Lincoln Announcement
Lincoln will be suspending their Table Reduction Program (TRP) for all life insurance products (not applicable for Lincoln MoneyGuard) effective June 22. Lincoln will honor all qualifying TRP offers made by June 19, 2020, as long as the formal application is received at Lincoln, by June 26, 2020, including:
- Trial TRP offers made by June 19, 2020
- Formal TRP offers; subject to normal application, product, and/or issue guidelines
For all formal and trial cases received at Lincoln after June 19, 2020, no new TRP offers will be made during this suspension. Click here for FAQs.
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Accelerated UW Expansion
We’re expanding accelerated underwriting to include the standard non-tobacco risk class. To help during this unprecedented disruption to our normal ways of doing business, our accelerated underwriting program now includes the standard risk class and death benefits up to $1.5 million. Click here to learn more.
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AML Training
As a producer or broker appointed with one or more AIG member companies, you are required to complete approved AML training on an annual basis. Click here for more information!
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Help Increase Your Policy Placement Percentage
Find out if table shave can help you save more cases. Join us at 11:30 a.m. (EST) on Thursday, June 18 to learn about Columbus Life’s “Expanded Standard” underwriting program and give some ideas on how it can help increase your policy placement percentage. Register Today
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Additional Offer Underwriting Program May Help Get Clients Extra Coverage
On select current applications, we may now be able to offer added insurance without the need for additional requirements providing certain conditions are met.
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Missed the Last Webinar? Don’t Worry, We Have Something For You!
eDelivery is simple to use: View our eDelivery agent and client resources.
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IUL Express and GUL Express - Now Available on e-App!
IUL Express and GUL Express are now available on the iPipeline e-Application. That's not all - they both feature Automated Underwriting, our point-of-sale underwriting decision process. Find training and more!
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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.
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Securian Financial’s New Under Writing ‘Pilot’ Program Aims to Process Life Apps Faster
Human API can help reduce turnaround times and expedite the underwriting process. ‘pilot’ program begins on June 15, 2020 and concludes on September 15, 2020. During this time, all fully underwritten life cases for clients ages 41-60 and face amounts between $2,000,001 and $5 million will automatically use this new process.
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New Updates to Protective Velocity
Every month, we’re making even more 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.
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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.
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.
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