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3 Mark Financial, Inc.

October 7, 2020

Join John Hancock's Joey Ussery and Zachary Baron for a webinar called

The Future of IUL

Join us for an informative session with John Hancock as we discuss AG 49-A's impact on Indexed Universal Life. As always this session will include sales ideas and a look ahead into what we can expect as the industry complies with the new regulations.

Webinar Later Today at 3:00 PM Central

What’s Ahead: “Eyes on Washington” Presented by Lincoln Financial

As the upcoming election approaches, join us for a conversation with Andy Friedman from "The Washington Update" where he will share his take on today’s critical issues and the implications as we move forward.

Webinar Thursday, October 8, 2020, 1:00 pm Central

Life Essentials

Click here to learn all the latest in Marketing, Product and Underwriting, and Service from Prudential

LifeInsight – Even More Products Offered

We are continuing to enhance LifeInsight with the addition of innovative tools and products! Our most recent product addition is the refreshed Index Advantage UL.

Spotlight

The latest news and updates from John Hancock Insurance. Click here.

5 Reasons why Protection IUL offers more value than GUL

Lower premiums
Extended guarantees
Funding flexibility
Higher cash value potential
Stability

Click here to learn more.

Newly Updated Buy-Sell Client Guide

Now more than ever, your business-owner clients want to enable plans to protect the success and future of their businesses. Buy-sell plans funded with life insurance can allow for that orderly transfer of ownership. Share our newly updated buy-sell client guide with your clients and centers of influence (CPA and attorneys) today. It covers the foundations of succession planning and the various options available, including insurance LLCs.

Actuarial Guideline 49 (AG 49) Updates to Index Universal Life (IUL) Insurance Illustrations

You can read the AIG announcement by clicking here.

Long-Term Illness Happens Unexpectedly: Are Your Clients Prepared Financially?

Check out these resources to get the conversation started.

A SMART Approach to IUL Product Design

Global Atlantic’s Tom Doruska, SVP-Product Development, talks about designing Global Accumulator IUL and how we’ve taken a smart approach to buy-up options. To view visit: www.thesmartiul.com.

Children’s Riders Can Provide Coverage For The Whole Family

Legal & General America offers a single rider on Banner OPTerm policies that covers all eligible children to the earlier of the child’s 25th birthday or the policy insured’s 65th birthday or base policy termination. Learn More

6 Apps to Power Up Your Social Media Prowess

How solid is your social media strategy? There are tools and apps out there that can take the guesswork out of creating and maintain a social media presence. Explore these 6 apps to power up your social media prowess in this new flyer.

Retirement Risk Readiness – Are Your Clients Prepared?

Reality check: Most Americans are unprepared for when and how retirement will happen. Review the key findings from our 2020 Retirement Risk Readiness Study (Registration Required), and consider how fixed index universal life (FIUL) insurance could provide financial protection and retirement reassurance.

Review our sales idea to see how FIUL can support your client’s long-term financial goals.

Your Guide to Upcoming Regulations

Visit the regulatory roundup for information about AG49 that will affect your IUL illustrations and premium finance case designs, effective November 25th.

Don’t Miss the October ONEmeeting, “Adding Value, Virtually”

The world has changed. The industry has changed. Communication has changed. Have you changed with it? Register now and learn how to be the best “virtual you” when meeting with your clients and customers virtually.

Life Insurance and Retirement Planning

The new Retirement Planning section on Lincoln Life University offers a video series on strategies to help clients create a well-balanced retirement portfolio that minimizes taxes. View Lincoln Life University

The Lincoln Leader

Click here for the September 28, 2020 edition.

Classic Choice Term is Better Than Ever for Clients

We’re back... Protective just repriced our competitive term insurance product (again!) with lower rates. We’re on top with rates in the top 3 96% of the time for monthly pays and in the top 3 91% of the time for annual pays. Check out our announcement for more detail.

Who’s Right for the ExtendCare Chronic Illness Rider?

Chronic illness will affect one out of every two Americans. Yet when you meet with clients, it may be difficult to identify who might be right for coverage. Reference this brochure for help identifying clients who could benefit from adding the ExtendCare Chronic Illness Rider to their policy.

Prospect for New Clients, Right Where You Are

Check out our Life Insights video series for financial professionals, with tips on product sales and prospecting. While there's no silver bullet that makes prospecting easy, Jack Mello offers some ideas on how to prospect for new clients, right where you are. Watch Now

A Solution for Clients Who Can No Longer Get Term with ROP

A 30-year Term Life Express policy has the option to include an ROP feature, but this feature isn't available to clients 51 or older. Learn how an IUL Express policy can be a great alternative in this new sales idea flyer.

Do Your IUL Illustrations Reflect Real Life?

When sharing life insurance illustrations with clients, it’s important to consider how a company’s products have performed as illustrated over time. Take a look at how North American’s original IUL product has performed!

Financial Planning Month

Life insurance and death benefit protection are certainly part of a larger financial plan. Take time in October to share relevant content in marketing or client touchpoints with your clients. Here are some conversation starters:

Put Business Sales Concepts into Practice

An executive bonus arrangement can be a powerful, simple way to provide a valuable benefit for key employees. Learn about Builder Plus IUL 2, a popular choice for this concept, and then access materials to help prepare for a client meeting.

Value Protection IUL to be discontinued

Click here to open the Securian announcement with additional 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.

Linked-Benefit LTC Plans: What Sets CareMatters II Apart?

Your clients and their families all have different needs. That’s why a customizable LTC policy may be an appealing option for them. With CareMatters II, you can help them build a plan that fits into their strategy for financing LTC costs. Click here for product comparisons!

Review SecureCare's new pricing in IN, HI, and NJ

Click here to view the announcement.

Announcing a New Disability Income Product

A new disability income insurance product coming soon in all states except California and New York. Get the product details in our introductory article and watch the video to learn more about the features.

LAUNCHING IN 1 WEEK! – Leading Tomorrow with OneAmerica

We are excited to be launching a value add like no other! Leading Tomorrow with OneAmerica a new speaker series launching October 8th that will give you access to some of the most experienced professionals in our industry and help answer some of your clients’ most asked questions.

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

AIG Underwriting Bulletin

Click here to review the positive update to the COVID-19 underwriting guidelines.

Updated Temporary Underwriting Guidelines

Legal & General America’s underwriting team has been closely monitoring the COVID-19 impact on the general population. Our mission of protecting families and businesses remains our focus, especially as we continue to move forward through these challenging times. While the situation remains fluid, we’re taking positive actions to help more of your clients get the coverage they need. See the full update here.

Life Underwriting Update

Click here to view the announcement regarding October 1 underwriting updates from Mutual of Omaha.

Lincoln online access

Click here to download the flyer with instructions on how to register for Lincoln Financial Group online access.

Easy Underwriting Now Available

Your cases can potentially qualify for non-invasive underwriting without lab testing or paramedical exams. Get all the details here.

Helping You Navigate These Uncertain Times

Get the latest on new and modified processes for Equitable Life underwriting, new and inforce business, and materials to help your clients navigate market volatility all in one place. Check it out now.

Introducing eSignature with eDelivery

Click here to view the Field Bulletin with all the details of this additional tool to support your virtual business.

Nearly 9 out of 10 Eligible Cases Use WriteFit

When it comes to improving you and your clients’ underwriting experience, WriteFit is a powerful tool. The stats speak for themselves – using WriteFit means a fast and simple customer experience. Learn more – Click Here Here are 3 reasons why:

Underwriting decision within 24 hours
68% of cases are accelerated without labs and exams
19% increase in placement rates

Enhancements Available for EZ-App

We’ve just made enhancements to our EZ-App Electronic Drop Ticket Platform to make submitting applications faster than ever! We’ve combined our two different EZ-App systems into a single platform, and introduced TeleLife interview scheduling to pick a date/time for your client’s interview. Check out our announcement for more details, or, watch our recorded webinar.

More Updates to Protective Velocity

We continue to make improvements to Protective Velocity that allow you to do business with us more easily and efficiently. Check out our website to see the latest updates we’ve made to our application-to-submission process.

Payment Processing Issues

Click here to read the recent announcement regarding processing credit card payments via PayPal for eDelivery.

Symetra’s Accelerated Underwriting Program

At Symetra, ease of doing business is a top priority. With the Symetra Accelerated Underwriting Program your clients can get a Symetra permanent life insurance policy without completing an in-person exam or submitting an APS. The program is available for clients ages 18 to 60 who receive a Standard rate class or better. Review our program flyer to learn how it works.

Learn About Our Email Signature Process

An intuitive electronic application process that ensures that every application is in good order, iGO® provides the flexibility for you to do business the way you choose. Learn More

E-policy delivery process

With SBLI’s E-Delivery Program there is no face-to-face contact necessary! Policy and delivery requirements can be accepted, signed, and paid for by the client online. Find out more

Transamerica Merger Announcement

Click here to read the September 30, 2020 announcement regarding the merger of Transamerican Premier Life Insurance Company and Transamerica Life Insurance Company.

Carrier Year-End Processing Guidelines

AIG Operations Bulletin

Click here to view the Field Bulletin containing 2020 year-end processing dates and holiday hours.

The 2020 Year End Transaction Guidelines

Click here to view the Prudential Key Dates and Deadlines