3 Mark Financial, Inc.

August 5, 2020

Join Jeff Taber from Columbus Life, for

IUL & Living Benefits, The Winning Combination

 Webinar August 12 at 3:00 pm central 

Inside Columbus Life

Click here to view the piece called Design Matters When Balancing Risk and Reward.

Brush Up on Sales Concepts and Strategies

Check out Columbus Life’s Sales Concepts & Strategies playlist on the Life Insights YouTube channel to learn from some of the top financial pros on successful IUL selling, annuities in portfolio construction, selling to Millennials and more. Watch the videos
 
Help Business Owners Set Up a Strategic Contingency Plan

Value is the name of the game when developing a working relationship with business owners. Discover how you can help clients ensure the business continues after an owner departs. Learn More
 
Support Matters: Take Advantage of These Valuable Resources

Columbus Life’s Advanced Markets team and Sales Desk are here to provide you with the highest level of advanced markets support as well as fast service and valuable answers. Read More

Come On Down!

You can be the next contestant in a live life insurance and long-term care trivia game.  Register for the next Lincoln ONEMeeting to compete with other financial professionals to prove your knowledge and have some fun.

News You Can Use from Global Atlantic

Global Atlantic’s 3Q Foreign National and Multicultural Newsletter is now available! To review click here.

Help Business Owners Reward and Retain Valued Executives

High-quality employees provide a competitive edge that can take businesses to the next level. An executive bonus plan using life insurance can help businesses attract and retain their industry’s top talent and stand out as an attractive employer.   Executive Bonus Plan
 
Life Insurance for High Net Worth Foreign Nationals

Today’s high-net-worth clients may live or come from all over the world, but many share the same life insurance needs. Our expertise can help clients who have ties to the U.S. navigate the generational wealth transfer process with a program designed specifically for the high-net-worth foreign national (HNWFN) market.   Click here for details

Clients Wondering How to Preserve Their Nest Egg?

We have a presentation which advisors can use with clients to walk them through some solutions:

• Leaving a Tax-Efficient Legacy PowerPoint – Click Here
• Tax Efficient Legacy Webinar Invite eMail – Click Here 

Death Benefit Analysis ‘On A Dime’

Getting stuck when trying to determine the death benefit need? Try North American’s DIME method to help determine how much coverage your client could use. Watch this short video to learn more and then download this flyer to use when meeting with clients.

Refreshed Client Check Up – Fillable

Life is constantly changing and so are people’s protection needs. It’s never been more important to check in with current clients or reach out to new prospects. Add your agency name and contact information and check-in with customers today.

Flexibility Without Trade-offs

With one of the most comprehensive LTC riders available in the market today, Equitable’s LTCSR offers the asset protection and added flexibility your clients want, without the typical trade-offs they don’t. See why our LTCSR is so unique.

Your Business, Your Legacy!

Business owners have dedicated a significant portion of their life to their business; one day this may be the legacy they pass on to the next generation. Your Business, Your Legacy is a program offered by Nationwide designed to help you help business owners in three key areas. Click here to learn more from our comprehensive brochure!
 
Women and Retirement: Navigating the Path to Their Retirement

Each person’s journey toward retirement is unique to them. That’s why we created a guide specifically designed with questions that can help you help women start envisioning and planning for the type of retirement that’s right for their goals, priorities, and lifestyle. Click here to learn more!
 
The Advanced Sales Journal 2nd Quarter Edition

Financial planning with your LGBTQ clients in mind, Manage the unexpected: The continued importance of beneficiary designation, The upside of LTC in a down market, and much more! Click here to access the article.

Taking Care of Business — Helping Business Owners Navigate Uncertainty

For small business owners, not only are they often the “key person” to their business, but they are also key to their family’s current and future financial security. For those business-owner clients who want to plan for business continuity as well as personal financial protection and supplemental retirement needs, a personal key-person solution might be a good option to consider.

Given market volatility and uncertainty, now, more than ever, clients need and want a plan that will protect, provide, and preserve business owners’ needs. Learn More Here.
 

Prepare Your Business for Regulatory Changes

If you’re concerned about regulatory uncertainty, you’re not alone. Prepare your business by staying informed. Sign up for our webinar on Thursday, August 20 to learn about regulatory updates affecting our industry, including recent activity around AG-49 and indexed universal life illustrations.
 
Have You Quoted Classic Choice Term Lately?

Protective just repriced our competitive term insurance product (again!) with lower rates. We’re back on top with rates in the top 3 95% of the time for monthly pays and in the top 3 93% of the time for annual pays. Check out our announcement for more detail.

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.

Why You Should Consider Offering Employees LTC Coverage

Help your employees protect themselves against one of the largest possible expenses in retirement. Find out how we can help them spend the future with those who matter most. Click here to learn more!

More Than A Funding Solution

Long-term care planning is more than having enough money to pay for care services; it’s about building a comprehensive strategy. Lincoln Concierge Care Coordination provides the resources and support needed to alleviate the emotional, financial, and time-consuming impact on families facing a long-term care event.

The Lincoln Leader

Click here to view the latest edition.

Asset Care Quote Enhancement: New Financial Professionals Page

Our newest enhancement is here to make your Asset Care quote outputs easier to understand! We heard your feedback and have added a new page to Asset Care quotes that provide additional context for financial professionals. Click here for more details and examples of the new page.

Care Solutions Training on 8/7: Seven Consequences of Self-Funding LTC, Part 1

This is part one of a two-part series on the seven consequences of self-funding an LTC risk. Click here to register.

Expand Your Pool of Business with SecureCare Universal Life Insurance

Offering multiple premium payment options, guaranteed cash indemnity benefit, guaranteed return of premium, guaranteed reduced paid-up benefits and guaranteed death benefit, SecureCare can provide long-term care (LTC) protection on your clients’ terms. SecureCare Prospect Profile Guide

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

Temporary adjustments to life insurance new business guidelines

Click here to view the Principal announcement.

Improvements to Our Accelerated Underwriting Program

We are pleased to announce that we have increased the Accelerated Underwriting max issue age to age 60 and have made the $2 million maximum that was announced in April a permanent increase.  Learn more.

IUL Express Producer Training Video

Are you ready to learn more about IUL Express? Make sure you check out our Producer Training video to learn the in's and out's of the product before selling.

Digital Platform Training Materials

We’ve added more training materials to our Digital Application Platform resource page. Check back often to download the latest materials. Visit lgamerica.com/digitalapp

Check Out Pacific Life’s NEW eCapabilities Video…

Wouldn’t it be great if you had a tool that allows you to prioritize the pending cases that need your attention first? There is such a tool – Pacific Life’s Case Management Dashboard! Watch this NEW video to learn more about this digital tool that can help you work smarter.

NEW Human API Consumer Guide Available!

New Human API Consumer Guide Available! Human API is the newest way for Prudential to obtain a client’s medical (APS) records. To make this process easier, a new Consumer Guide is now available!

eInterview Update

In June of 2019, Prudential introduced an electronic interview (eInterview) questionnaire option for life insurance applicants, as a streamlined digital alternative to the telephone interview. Effective August 17, PruXpress Worksheet applications will connect exclusively to eInterview for fulfillment of Part B of the application.  Click here to learn more.

2020 Life Resource “eBook” Guide

Find what you need to help you do business quickly and easily in this changing environment.  Learn more.

Upgraded iGO Maestro system launches for Select-a-Term cases

Click here to download the document.

Accumulation Streamlined Underwriting Program Supports Social Distancing

Our accumulation streamlined underwriting program eliminates the requirement for lab testing or paramedical exams on qualifying cases. Get the details.
 
Digitals Tools Become the New Normal

We make it easy for you to provide life insurance while keeping you and your clients safe. Check out our digital tools that make it easy for you to get clients the protection they need while practicing safety guidelines.

DocFast - Fast, integrated, secure eDelivery Wherever you are.

Streamlining your customer communications is easy with DocFast®. Gone are the days of relying on the mailroom--- secure delivery can happen in less than 5 days.  Combined with e-Sign and online payments, you have the ultimate contactless delivery, perfect for 'the new normal'.  Check out the video below to discover the industry's e-Delivery solution of choice!

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.