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3 Mark Financial, Inc.

November 4, 2020

Join Protective's Amanda Fleskoski, and Rick Eskin, President and CEO, Dye & Eskin for an introduction to Protective Executive UL and

Group Carve-Out Plans

Join us for an informative session with Amanda and Rick as they discuss Protective Executive UL and the design and implementation of key group term carve-out plans. This combination of a uniquely designed product, state of the art administration, and virtual point of sales assistance, allows you to broaden and diversify your business model.

Webinar November 18 at 3:00 PM Central

John Hancock Podcast

Planning opportunities in a record-low interest rate environment. Listen Now

AG49-A Update

The National Association of Insurance Commissioners will soon enact enhancements to Actuarial Guideline XLIX known as AG49-A. All indexed UL illustrations sold by US life insurers must comply with these new regulations. Read more here or watch this video.

Offering More Opportunities and Choices for Growth

See how John Hancock’s indexed UL product suite combines industry-leading performance with the flexibility to choose from a diverse range of indexed account options based on your clients' appetite for risk.

Help Your Clients Look Forward to Their Future with Confidence

Our NEW interactive consumer tool, Life with Confidence, can help simplify the conversation. You can use it with your clients to explain IUL in an easy-to-follow and engaging format, so they can learn at their own pace.

Turn Tough "IUL Talk" Into Client-Friendly Concepts

LifeToTheMax visually educates clients on the power an IUL policy can have in their portfolio, and explains the need to diversify assets for retirement – a perfect intro to your pitch. Give your pitch a boost - LifeToTheMax

AG 49-A Illustration Changes Effective November 21st, 2020

NAIC has made enhancements to Actuarial Guideline 49. All carriers are required to comply with these new IUL illustration regulations by December 14, 2020. Securian’s FAQ re: the regulation, transition rules, and how it will affect our IUL products. FAQ

Pacific Life Foundation Partner Involvement Grant Program

This program is open to all contracted Pacific Life producers (not Pacific Life employees). The deadline to submit an application is November 30, 2020. Ten (10) grant recipients will be selected in December 2020 and each chosen charity will be awarded $5,000 by the Pacific Life Foundation in January 2021. Questions? Please email Shana Boynton or call (949) 420-7136.

Term Series Products Being Added to WinFlex

Beginning November 2, our Term Series of products (with the exception of ART)* will be added to WinFlex. This addition will create a more optimal agent experience when comparing prices and benefits across carriers. Read more.

Capital Markets Insight: Q4 Outlook

The stock market’s recent performance was strong, but also reflects a disconnect with the economy. Learn more about what’s in store for the balance of 2020 and beyond: Click here!

Exclusive event offered by Global Atlantic: Don’t miss out on hearing from Washington Insider Andy Friedman, Post-Election

We’re in the middle of a global pandemic and a volatile stock market. It’s also an election year. For financial professionals, this uncertainty provides new opportunities to help clients navigate the complex economic challenges created by the current environment. The Virtual Summit Series kicks off November 12 with events continuing monthly through January. Sign up for the first two events now and secure your place for our exclusive third event with General Petraeus on January 13. Click here to register.

Our client-friendly videos to help explain “What IUL Is” and “How it Works.

Express

A weekly update fro Mutual of Omaha

Can You Keep All the AG49-A Changes Straight?

Keeping up with all of the IUL changes can be confusing. At Mutual of Omaha, we're making it simple. Our IUL products don't have any changes due to AG49-A and that's because we've always designed client-friendly products that do not take part in the 'illustration games'. Learn more.

A Life Insurance Rider as a Long-Term Care Planning Solution

For some clients, a life insurance policy with a long-term care rider might be a planning solution to consider. Here are some sales ideas to get you started.

Discover what matters at Columbus Life

Click here to discover marketing materials, videos and webinars created to educate you on our product design, history of commitment, technology solutions and our approach to serving independent producers like you.

Hear from Some of the Best in Our Industry

Check out Life Insights, our YouTube video series that shares sales, prospecting and business-building advice from some of the best financial professionals in our industry.

Help Clients Reap Tax Advantages for Retirement with Life Insurance

As a complement to traditional retirement plans, cash-value life insurance offers protection that extends beyond a client’s family to include protecting assets from taxes. The “Tax Advantages of Life Insurance” flyer provides more details. Get the flyer.

LifeEssentials

This issue covers Product Updates and new Premium Limits.

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

Updated Consumer Resource: Life Insurance as Part of a Financial Plan

We’ve updated our fillable one-pager on how people can protect their family’s financial future with term life insurance.

Post-Election Market Insights

On Thursday, November 19th, Dr. David Kelly, Chief Global Strategist at J.P. Morgan Asset Management, will join us to share his insights on the 2020 election, the market response and the outlook for what may lie ahead. Register here!

Our next ONEmeeting: "What AG49-A means for IUL, Lincoln, and your business"

Are you a financial professional who wants to be in the know and have access to the latest industry trends, goals-based planning strategies, and opportunities that will drive new business? Then you've come to the right place. Join us Tuesday, November 10 at 1 pm ET. Register now.

Here to Help You in Good Times and Bad

As we are in uncharted times, your clients are probably feeling anxious and stressed. We are here to provide you with the tools and answers to enable you to help them face their futures with confidence.

The “Protect Gen X & Gen Y with SBLI”

Click here to get the Sell Sheet—a visual sales aid designed to help you create the need with prospects and solve their protection gap.

Click here to get the Social Media Kit—a step-by-step guide and ready-to-use content that can help you harness the potential of social media and help you grow your business.

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.

November is LTC Awareness Month

Start spreading the word! Mutual of Omaha has the tools you need to begin the conversation, including tips on how to get people talking and a variety of consumer materials.

Leading Tomorrow with OneAmerica – THIS WEEK!

Our next speaker, Jack Broyles will be Thursday, Nov 5th at 2 pm EST, Leading Tomorrow with OneAmerica promises to be time well spent, please register here.

If you missed our last speaker Ken Dychtwald you can watch his presentation here.

Annuity Care Interview Updates

In August we implemented several enhancements to the interview process with our vendor LTCG, which have resulted in key improvements to the client experience, including shortening the length of the interview. This month those same updates will go into effect for Annuity Care interviews.

How to close cases with LTC ... and our turn-key email campaign

Tapping into the sales potential of SecureCare Universal Life means knowing where to look in your book of business. Check out this short video to discover three prospecting opportunities you won’t want to miss.

But that’s not all — if you want to kickstart your own SecureCare marketing campaign, check out our latest catalyst kit. Inside, you’ll find the email campaign each email is pre-built and ready to go, all you have to do is press send.

Advisor Approved – LTC Awareness Month Is Here!

We have tools to help you make the most out of this prospecting opportunity. We’ve created an advisor-approved webinar every Tues. in Nov. at 1 p.m. CST. Each registrant will receive a link to the recorded version of the webinar, plus a relevant sales tool. Information for the first of four webinars: Nov. 3 at 1 CST – LTC life stages webinar - Presenter: Kyle Wilson: Registration Link

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

Our Digital Submission Process Is as Easy as 1, 2, 3!

We’ve created a fully electronic submission process for our single life products. It’s a fast and convenient way to submit new business. Learn more.

Term Conversion Tips!

Term conversions are probably part of your business, and we want to ensure you are positioned for a smooth process. Please find these helpful tips that will set you up for success.

Update to Covid-19 Underwriting Guidelines

As COVID-19 case numbers improve across key markets, we are pleased to announce that we are revising our temporary guidelines to provide more opportunities for cases to be underwritten, approved and issued. Check Out the Updates

Easy as Pie

Did you know that your clients can now potentially qualify for underwriting without exams or labs and get a decision quickly? That’s Easy Underwriting! Get the details.

Introducing eDelivery Of Policy Contracts

We’re excited to introduce eDelivery of policy contracts for your term and single-life universal life policies! This new service will help streamline the delivery process and ensure post-delivery requirements are signed in-good-order. Find more information in this guide. For policies not yet available through this new service, our temporary policy delivery process will continue.

Less Hassle. Fewer Labs. More Families Protected.

A new, easy-to-use online application and more ways to underwrite without labs means clients can get the affordable coverage they need faster. Find training materials, videos and more at lgamerica.com.digitalapp