Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
June 24, 2020
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Join Christina Caffari & Lauren Hicks from Prudential, for
The Connected Advisor
Financial advisors are among the millions of Americans working from home and conducting meetings over video conferences to ensure the health and well-being of clients. On top of that, school closings require them to supervise and care for their children while managing professional responsibilities. Join us to learn more about tools you can use, so you too can utilize virtual engagement with your clients and prospects.
Webinar later today at 3:00 pm central
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Repricing Coming to Term Essential and Term Elite — And Guess Who’s Back?
Rates will be changing effective July 20, 2020, with some increases and some decreases. Plus, the popular 30-year term is coming back. Learn more
How Taxes Affect Your Assets at Death
This guide will help clients understand how certain taxes could potentially erode the value of their estates.
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Symetra Swift Strategies Webinar: The Power of Zero
Best-selling author and highly regarded financial speaker David McKnight will provide an in-depth look at our nation’s emerging debt crisis and review his thoughts on what measures some clients may take to help protect their retirement plans from higher taxes using the power of zero. Click here to register for the webinar to be held Thursday, June 25, at 1 pm eastern.
Symetra Term: More competitive rates
At Symetra, we’re always fine-tuning our products to ensure they are competitive, fulfill your clients’ financial needs, and help you build your business. That’s why we’re pleased to announce that our Symetra Term now offers even more competitive pricing than before.
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LTCSR: Great Before, Even Better Now
We’ve always had one of the most comprehensive Long-Term Care Services riders in the market for your clients' needs. Now, with additional enhancements, see why it’s an ever-better time to give your clients more.
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Introducing Advanced Sales Insider Podcasts
Global Atlantic has relaunched its monthly podcast series featuring industry veteran Randy Zipse. Listen to Randy interview and converse with experts from across the life insurance industry. You can subscribe to Advanced Sales Insider Podcast via Apple, Deezer, Google Music Play, Spotify, iHeart Radio or Radio.com. The first podcast focuses on Premium Finance. To listen directly from our website click here.
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Term Protection for the Long Term: Consumer Case Study
Many consumers choose to purchase a policy with level payments and coverage that lasts for 20 years. The fact is many end up wishing they had bought a longer term policy when they had the chance. Share this case study
New Term Marketing Kit
We've put together an easy-to-use kit that you can use. Find sales ideas, consumer materials, videos, and more all in one place! Download now
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Offer Your Clients Certainty in Times of Uncertainty
The Lifetime Income Benefit Rider (LIBR) has the potential to provide a guaranteed source of income for life. Read more.
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Power Up Your Clients’ Coverage
Let Pacific Life’s attractive conversion product strengthen your PL Promise Term life insurance sales. Consider the benefits of PL Promise Conversion UL – with its guaranteed no-lapse universal life design, the return of premium feature in policy years 15, 20, and 25, early conversion incentives, and more – when choosing a term life insurance carrier with your clients. Check out these materials to learn more:
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Do Your Clients Have All of Life’s Bases Covered?
See how a simple concept can help easily explain financial health and wealth to clients. Ultimately, the question to ask clients is: Have you covered all of life’s bases when it comes to your financial well-being? Watch Now
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Video: Share the Benefits of Lifetime Assurance UL with Your Clients
Check out our new client video on Protective Lifetime Assurance UL, which walks through how your clients can get permanent coverage with simple, predictable premium payments.
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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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Discover a Three-Pronged Approach for Managing Market Volatility
Our Multi-Index Monthly Average indexed interest strategy uses three powerful methods to help IUL clients during periods of market volatility. It is easy for clients to implement and may reduce the frequency of allocation changes. Click here to learn more!
Your Business, Your Legacy Take Control of Your Future with our Business Planning Program
This may be the legacy you will pass on to the next generation. Nationwide developed Your Business, Your Legacy to help you identify areas of risk and create a plan that can secure the future of your business. Click here to learn more!
Your Land is More Than A Business. It’s Your Legacy!
If you work in agriculture, you’re no stranger to risks. The weather, crop disease and commodity markets can all pose risks to your farm, ranch or agribusiness. At Nationwide®, we protect your family, your farm and your financial future with a variety of products and services. Click here to let us show you how we can help!
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Retain, Reward and Recruit Key Talent
Check out the latest Lincoln one-minute sales idea: Executive Bonus Plan (IRC 162 Bonus)
- The employer can select which employees can participate
- Easy to implement and maintain
- Cost-effective and flexible for both employer and employee
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A New Way to Share Insights with Businesses
We’ve launched a podcast pilot—You Belong in Business! The podcast is dedicated to helping hard-working small businesses by providing information and practical solutions to help them overcome the hurdles they face every single day. For now, episodes will focus on financial relief and recovery. Check out the first episodes on Cash Flow and Loan Forgiveness. Apple Spotify.
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Index Allocation options for Accumulation Potential in Today’s Economy
It’s always been important to have the ability to change and diversify your index allocations annually – but in our uncertain economy, it may be more important than ever. We offer a variety of index allocation options to give your clients the flexibility to take advantage of different economic conditions – including volatility-controlled indexes designed to perform in unstable environments. See how our Allocations are doing
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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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Changes to Asset-Care in California
Click here to view the OneAmerica announcement.
2019 OneAmerica Annual Report: Connect with customers
We’ve faced some big challenges this year, and we can be proud of the ways in which we’ve risen to meet them together. That commitment to being there for our customers is foundational to how we do business. Explore and share our 2019 annual report and be sure to watch our Care Solutions video about how our long-term care solutions help customers maintain their independence when life takes unexpected turns.
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Administrative Alert! Product Updates to SecureCare Universal Life
SecureCare product updates and reprice information: Click Here
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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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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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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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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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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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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. Click here for FAQs.
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Is the Case You’re Submitting within Accelerated Underwriting Parameters?
In this edition of Underwriting FAQs with Shannon Keller, Columbus Life’s Director of Underwriting and Assistant Chief Underwriter, you’ll learn what to do if the case you are submitting is within accelerated underwriting parameters. Watch Now
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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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