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3 Mark Financial, Inc.

November 11, 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

The Lincoln Leader

This issue contains Produce updates AG49-A Illustration Changes and Year-End Guidance to name a few.

Current IUL products are available on applications received in good order on or before November 20, 2020.

Revisions to the National Association of Insurance Commissioners (NAIC) actuarial guidelines—referred to as AG 49-A—are expected to go into effect December 14, 2020. We are making changes to our suite of IUL products to comply with AG 49-A beginning November 21, 2020. Our IUL products will have adjusted cap rates, Account Value Enhancement (persistency bonus) and max illustrated rates. Click here to get the details.

Make every day count!

Click here to view the November 5, 2020 edition containing the latest news and updates from AIG.

Spotlight

Click here for the latest news from John Hancock

Advanced Markets News

Click here to view the most recent edition containing information on Year-end planning, Central Intelligence with important court rulings and legislative updates that impact our industry.

Year-End Planning

With year-end fast approaching, many are experiencing high demand for planning that can be done quickly to take advantage of gifting and low-interest rate opportunities. We’re here to help make that planning as smooth as possible for you and your clients and have compiled some helpful resources for a strong finish to 2020.

Year-end planning: Video
"Wait-and-see" loan and gifting solutions: Flyer; Video

Planning in Action

Low-interest rates present a unique and compelling opportunity for qualified high-net-worth clients to fund large insurance premiums using commercial premium finance loans. See the value of this technique by clicking here.

Long-Term Care Rider Webinar

November is LTC Awareness Month, and this year, clients are more focused than ever on solutions that provide holistic protection for their families. Don’t miss our life insurance with LTC webinar “Taking a meaningful approach to solving long-term care challenges” on November 18. Register today!

AG49A Transition Rules and Ul Crediting Rate Changes

Like all carriers, Symetra is required to transition the way we illustrate indexed universal life (IUL) products to meet the Actuarial Guideline AG49A, by Dec. 14, 2020. To meet this regulatory deadline, we have established transition rules for our Accumulator and Protector IUL products. We are also reducing our credited rate for in-force Symetra UL-G and CAUL policies in December. Please review our important AG49A transition dates and UL crediting rate changes for more details.

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

Client-friendly retirement content

If you have clients preparing to retire at the end of the year, North American has content you can use as a potential conversation starter as your clients make this transition.

The Nationwide BGA Bulletin

This issue contains product changes, year-end deadlines and a CareMatters II review

We’ve Made it Simpler for You to Help Your Clients

Nobody ever says, “Make it Complicated”. That’s why we provide straightforward, client-ready materials, easy-to-use tools and products and services that are transparent and efficient. Click here to learn more!

The Farmer at Retirement: The Ordinary Income Dilemma and A Charitable Alternative

This new white paper reviews how Charitable giving offers the possibility of reducing the retiring farmer’s overall tax burden by taxing income over several years.

Express

Click here to view the November 4 edition of Express Mutual of Omaha's email newsletter.

Sales Idea: Business Planning Strategies Using an IUL

Life insurance can be an important planning tool for business owners. Use this sales idea to learn more about how the cash surrender value of an IUL policy provides flexible options for business owners in planning for the future of their company.

Help Clients Understand Their IUL Express Allocation Options

Use our client-approved Indexed Interest Allocation Options flyer to help your clients determine which strategy may work best for them.

Life Essential

Weekly Newsletter from Prudential

Help Clients Plan Now to Keep More of Their Money Later

Clients preparing for retirement need strategies that address both taxation and supplemental income. Life insurance offers protection and can help them accumulate and keep more of their money. A new consumer-approved flyer explains how diversifying their retirement strategies by adding cash value life insurance can help make a difference in the amount of income available in retirement.

Help Clients Learn More about Living Benefits

Columbus Life’s accelerated death benefit rider can give your clients the power to access a portion of their life insurance policy’s death benefit while they are still living. Share this video

Our AG49a Transition Guidelines

Please check here our Field Bulletin for our AG49a transition guidelines. For the current product series, we will accept any applications dated on/before 12/13/2020.

Connect with Clients and Prospects Using our New Promise Campaign Materials

Our leading IUL products are more relevant than ever – these new materials will help reinforce this message!

AG 49-A Updates

Click here to launch the Securian AG 49-A website.

AG 49-A Updates

Click here to launch the Transamerican website with all 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.

Alzheimer’s Awareness Month - 10 Early Signs and Symptoms

There are 10 warning signs and symptoms. If you notice any of them, don't ignore them. Schedule an appointment with your doctor. Click here for a printable bookmark that you can leave with clients that outlines the 10 warning signs.

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.

Long-term Care Awareness Month Marketing Plan

Week-by-week marketing plan to help agents reach prospects

Animated and Pre-built Posts for Financial Advisors

LTC Social Media Marketing eToolkit - Simply follow the instructions in the kit and upload and share the videos to LinkedIn directly. PLEASE NOTE: Posts must be shared exactly as they appear in the kit – no changes, please.

Online Personal History Interview now available for MoneyGuard III

Click here to launch the document.

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

The Commonwealth of Pennsylvania, through PA House Bill 152, is implementing regulatory annuity financial professional training requirements. This requires financial professionals to complete annuity producer training that consists of product-specific training, and a one-time, four-hour, basic annuity CE training prior to selling annuities.

Effective December 1, 2020, Nationwide will require all Pennsylvania financial professionals to complete both trainings before submitting business. Broker Dealers may require this training prior to our effective date - please have financial professionals check with their back office. Nationwide will provide financial professionals with the required product-specific training on appropriate Nationwide products in a web-based format. To use web-based training. Visit https://secure.reged.com/TrainingPlatform/ and follow the instructions below to log info Nationwide web-based annuity training. Sign up using the button in the upper right-hand corner of the page. Follow the on-screen instructions to complete the required self-registration, accept the terms of service and select the register button. After registration, visit https://secure.reged.com/TrainingPlatform/ and enter your login name and password.

AIG Underwriting Bulletin

Click here to learn about the recently announced non-medical expansion to $1,000,000.

New Business & Underwriting News

Click here to view the latest Underwriting News from Principal, including current service times.

Digital Application – Less Hassle, Fewer Labs

Legal & General America's digital application makes doing business easier, faster, and better by quickly obtaining requirements and making more lab-free decisions. More than 25% of applicants using the new digital application are approved through a lab-free experience 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.

Go Digital with SBLI: Your End-To-End Digital Solution for Term and Whole Life

SBLI offers a unique end-to-end digital process that guarantees no in-person contact, no fluids and no exam underwriting process, no matter what! Click here for more details.

COVID-19 Updates

Click here to view the SBLI announcement.