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3 Mark Financial, Inc.

October 14, 2020

Join the always popular Joe Ross from AIG, for a webinar called

Ironies Of The SECURE Act: Contradictions & Conundrums

Most people have accepted the new SECURE Act at its “Face Value,” celebrating the many things that it offers. But it’s littered with contradictions and conundrums that nobody knows about… but everybody should. In this presentation, you’ll learn about elements of The SECURE Act that’ll have you scratching your head and wondering: “What were they thinking when they wrote this?” If you want to be on the leading edge of knowledge about The SECURE Act, then this presentation is for you… It’s not technical… It’s just amazing. Just make sure you have a pen and paper handy… you’re gonna take a lot of notes!

Webinar Wednesday October 21, at 3:00 PM Central

Help Maximize Growth & Access

Offer this permanent life insurance product, Max Accumulator+ IUL, to your clients who are focused on achieving long-term, tax-deferred cash accumulation.

With easy non-medical underwriting on qualifying cases, it's simpler and faster than ever.

Giving Purpose To Permanent Life Insurance

Click here to view the brainshark with all the details on this client conversation starter.

Express - A weekly update from Mutual of Omaha

Click here to view the October 7, 2020 edition

AG49-A and the Illustrated Indexed Loan Spread on IULs

As part of the AG49-A changes, insurance carriers will be required to illustrate no more than a 0.50% spread between the illustrated crediting rate and the indexed loan rate. Learn why Mutual of Omaha supports this upcoming change, as well as how our indexed loans work.

Discover the Value of Life Insurance with Living Benefits

With a bit of planning and the right type of protection in place, some of life’s toughest challenges become a bit easier to face. Share this video with your clients to start a conversation about the value of life insurance with living benefits.

New Pricing: Effective October 8, 2020

Give your clients the option to purchase simple, straightforward protection that can cover them into retirement and beyond. Our competitive, guaranteed level term OPTerm series comes in durations of 10, 15, 20, 25, 30, 35 and 40 years!

Caring for an Aging Parent: Understanding the Financial Wellness Challenges

The eldercare landscape has shifted over the years to the point where family members are shouldering more caregiving responsibilities. The strain on individual caregiving within families has increased substantially, and adult children now play an increasingly important role in supporting the needs of their aging parents. Learn more.

LifeEssentials

Click here to view the October 12, 2020 edition.

An Extra Level of Protection Without Full Underwriting

Symetra’s IUL Extra Coverage Program offers clients an opportunity to purchase up to $1 million in extra Symetra Protector or Accumulator IUL coverage without full underwriting. Click here to learn more about our enhanced Symetra IUL Extra Coverage Program.

Asset Location Is as Important as Asset Allocation

Andrew Bucklee, Senior Vice President and Head of Life & Executive Benefits Distribution for Lincoln, shared perspective with ThinkAdvisor on how life insurance can help investors with both volatility and taxes. Download the article.

The Lincoln Leader

Click here to view the latest edition of The Lincoln Leader

Aspire with Vitality

This week, we launched a multi-million-dollar marketing campaign to raise awareness of John Hancock Aspire ^® among Americans living with type 1 and 2 diabetes. More than we ever, we believe now is the time to reach this underserved and underinsured market with a meaningful solution. Click here to learn more.

Advanced Markets News

The October issue contains valuable information and educational opportunities.

Spotlight

The latest news from John Hancock can be viewed by clicking here.

Exit Strategies with Leveraged Planning Strategies

There are many different exit strategies for a premium financing arrangement. Each offers its own benefits and has the potential to help fulfill a client’s personal or business planning needs. Use this guide to gather ideas for potential opportunities with Leveraged Planning solutions.

Take your client presentations to the next level with Design Hub

Global Atlantic’s Design Hub software recently added new modules to allow you more options when working with non-US citizen/non-US resident clients. Click here for more details.

Easily Offer Additional Permanent Life Insurance with Our Term + Perm Program

We understand that your clients’ policyholders may need additional permanent life insurance on top of the term coverage they have in place. Nationwide® has a simple process to offer additional permanent life insurance for those policyholders that have an eligible term policy with our Term + Perm Program. Click here for complete details on our Term + Perm program guidelines.

Explore an Alternative Way to Fund Life Insurance!

We can help you use a premium finance strategy to attract high-net-worth clients who have a substantial life insurance need. Premium Finance Sales Materials

An Improved Life Sales Tools Website for You

Everything you need – no login required! Our new Life Sales Tools website gives you an intuitive experience, so you can easily get the tools you need to help grow your sales and business. Visit the link below and save it to your web browser’s favorites! www.allianzlife.com/lifesalestools

6 Apps to Power Up Your Social Media Prowess

Click here to check out the flyer.

Misconceptions, Life Insurance, & the Single Client

A common misconception is that single people don’t need life insurance. But singles may be surprised to learn that even without a family to protect, life insurance can help with end-of-life costs, offer tax benefits, and more. Explore 7 talking points to help start the life insurance conversation with unmarried prospects in this Broad Market Insights.

Doing Business Remotely

Four new securian.com landing pages have been created to promote doing Life, Annuity and SecureCare business remotely. Resources for Conducting Business Remotely and Boost Your Remote Presenting Skills Video

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.

Explore Our New LTC-Focused Interactive Site

Have you checked out our new interactive website dedicated to long-term care? Designed to attract and educate customers on the value of long-term care protection, the site lets users customize their experience and learn about protecting for retirement.

Back to the Basics of LTCi On-Demand Training Video

View a presentation on the evolution of long-term care, the benefits of standalone LTCi, buyer profiles, and more!

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

Updated Temporary Underwriting Guidelines

Protecting families and businesses remains our focus, especially as we continue to move forward through these challenging times. As COVID-19 case numbers and data continue to evolve, we have revised our temporary guidelines to provide more opportunities for cases to be underwritten, approved, and issued. See the full update

Top 10 Underwriting Tools

Quick and easy access to the ten underwriting tools you use most to help make doing business easier.

Helping You Simplify the Insurance Sales Process

Prudential’s eCapabilities can help simplify every step of the life insurance sales process and make it easier to do business for you and clients during this challenging time.

Accelerated Uunderwriting Maximum Increases to $750,000

Effective October 15, 2020, our unique Accelerated Underwriting (AU) process, which is guaranteed for anyone ages 18-60, increases its maximum face amount to $750,000 for all risk classes. Click here for the details.

Underwriting and New Business News

Click here to review the document and before you consider submitting new business be sure to review the current service times.

Moving Forward with DocFast e-Delivery

Keep your business moving forward with DocFast® e-Delivery. Columbus Life is proud to offer solutions to securely and efficiently deliver policies electronically to your clients. Click here to learn more.

Important Life Underwriting Update

Due to the ever-changing environment surrounding COVID-19, effective October 1, 2020, we expanded the fully-underwritten life cases we will accept. Read more about these important changes.

Resources to Make It Easy To Do Business With Us

At Equitable, we strive to provide you with the most efficient and effective way to do business with us. To help you with this process, check out this new guide with key policies and procedures.

Important E&O coverage update

Effective Oct. 7, we are making some important updates to the way we validate E&O coverage for new and existing agents. Click here to view the announcement.

Get Your Term Policies Faster

North American has launched eDelivery on Classic Term and ADDvantage Term. This new process allows you and your clients to receive and sign policy documents electronically, at a time when doing business virtually is increasingly important. Download the guide to see how it works.