3 Mark Financial, Inc.

July 1, 2020

Join Jim Grauel from Legal & General, for

The New Digital Journey

 Webinar later today at 3:00 pm central 

Spotlight, the latest John Hancock Insurance News

Click here to view the most recent edition of Spotlight

Provide real-world protection

Rising costs in the guaranteed UL market, today’s life insurance clients are seeking solutions that offer reasonably priced, excellent value, and flexible products.

• Deliver the protection and value that today's clients want
• The value of Protection UL's flexibility stands out

LifeEssentials - News and Announcements from Prudential

Click here to view the June 24, 2020 edition of LifeEssentials.

Important Changes Coming to Essential UL and Founders Plus

In reaction to the low-interest-rate environment, we are adjusting rates for both Essential UL and Founders Plus effective June 29, 2020.  Learn more

Index Account Segment Information – July 2020

Existing index account caps and spreads will not change for new segments that start in July 2020.  Learn more 

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.

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.

View our New Cost of Care Resources

We have a number of resources that can help you educate your clients on just how expensive long-term care services are - and, they've just been updated with 2019 numbers.

Social Media While Social Distancing

Are you optimizing your profile for the best placement search? What types of content should you be sharing and how? How do you make the most of your LinkedIn Inbox to connect with prospects? This 6½-minute recorded webinar from Pacific Life is full of tips on how you can make the most of the current environment with social media.
 
5 LinkedIn Tips You Can Do Today!

Not sure how to harness the power of social media? Check out this infographic from Pacific Life to help you start growing your life insurance business.

The Lincoln Leader

Click here to view the June edition of The Lincoln Leader, news and announcements for Lincoln Financial.

Modern Life Insurance that can Supplement Retirement Income

Learn more about Max Accumulator+ IUL with non-medical underwriting. Help Your Clients Navigate their retirement!  Share the Consumer Video

ADBR Product Design Matters: The Lien Method vs. Discounted Death Benefit

While other companies offer living benefit riders, Columbus Life remains one of the few to offer a truly predictable living benefit that uses a straightforward formula to calculate an advance of the policy holder’s death benefit. Take a closer look by clicking here.

Discover Our IUL Strong Points

This quick-hit, easy-to-digest flier highlights the many differentiators of Columbus Life’s IUL products (both individual and survivorship). Discover the difference with Columbus Life. Learn More.

Top Reasons to Choose Equitable’s Long-Term Care Services Rider

As a leading authority on long-term care, Equitable offers one of the most comprehensive riders in the industry. With additional enhancements just added, our LTCSR rider adds flexibility to certain Equitable VUL products, plus asset protection without the typical tradeoffs.   

Grow your business in a digital world

Sometimes you can’t meet with a potential client face-to-face, but that doesn’t mean you can’t help them. 
Securian Financial is here for you and your clients when a digital or no-contact solution is the best way forward. We can help you get in front of prospects, complete and submit an application, deliver the policy, and even service your in-force business.  Learn how these tools and more can help you grow your business, view the video. 

12 tips for effective web meetings with clients

Click here to download the flyer.

NEW! Doing Business Remotely Video

Check out our new “Doing business remotely video” highlighting key tools like prospecting, submitting applications, WriteFit Underwriting, and More! 

4 Ways to Bridge the (Social) Distance

Are you ready to think like a digital marketer? Read more.

New Enhancements to Inforce Business

We are excited to share that beginning June 23 in-force clients (depending on their in-force product and wave) will have access to index lock, Bloomberg US Dynamic Balance II ER Index, PIMCO Tactical Balanced ER Index and the Nasdaq-100 Index with their upcoming policy anniversaries.  See the details…

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.

Face the Future with Confidence

93% of people who have long-term care solutions are confident about their long-term financial plan.  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. Click here to learn more.

Pricing Changes

Pacific Life Insurance Company is repricing its single-pay and multi-pay Pacific PremierCare Choice Whole Life Insurance Products with Long-Term Care Benefits, effective July 6, 2020.  View the announcement.

Administrative Alert! Product Updates to SecureCare Universal Life

SecureCare product updates and reprice information: Click Here

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 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!
 
The Real Value of Long-Term Care Benefits

LTC planning continues to move to the forefront for mainstream financial advisors. Along with their interest come questions that need clarification. Click here to learn more!

Changes to Asset-Care in California

Click here to view the OneAmerica announcement.

Care Solutions – Prospecting & Working with Centers of Influence

Join us on Friday July 10, 2020 from 11-11:30 AM EST. This webinar will help you understand clients and how to change your language with clients of different net worth. It also will touch on techniques to work with Centers of Influence (COIs), specifically, CPAs and attorneys, and how to get referrals.  Click here to register

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

Underwriting Updates

We are pleased to inform you that we are experiencing favorable outcomes from our collaborations with Human API and Clareto. By enabling access to digital health information in real-time and reducing the wait time for medical records by as much as 30-45 days, these digital platforms are expediting the underwriting process and significantly improving the client experience.  
 
Furthermore, we are excited to announce the availability of facultative capacity up to $40M, up to and including age 59 AND we have resumed accepting applications on individuals up to and including age 90.

Human API: A faster way to obtain health records

At Symetra, ease of doing business with us is a primary focus.  That’s why we’re excited to announce our new partnership with Human API and look forward to further enhancing our underwriting and new business capabilities for you and your clients.  Click here to learn more.

Even More Updates to Protective Velocity Digital Tools

We’ve done it again – we’ve just made even more improvements to our Protective Velocity electronic solutions to make doing business with us easier. Visit our Know What Matters website for more details.

Download the iGo User Manual

Click here to download the manual

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.  
 

National Life Talks About the Advantages of eApp

National Life continues to innovate and deliver programs that make doing business with us better, easier, and faster.  Watch the video now.