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3 Mark Financial, Inc.

November 18, 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 later today at 3:00 PM Central

Lincoln ONEmeeting archive - AG49-A and Lincoln's new Indexed ULs,

Now available on-demand

The Lincoln Leader

Click here to view the latest edition of the Lincoln Leader with news and announcements from Lincoln.

Make Every Day count!

Beginning November 21, 2020, we are making updates and enhancements to our portfolio of IUL products, including Max Accumulator+ II, Value+ Protector II, and Protection Extend IUL to comply with AG 49-A guidelines set forth by the NAIC. There’s still time – applications received in good order on or before November 20 are eligible for current IUL products and competitive rates.

Review The changes
AG 49-A Training

Life with Confidence

Use this tool to see the potential impact of market volatility, and how some features of Index Universal Life (IUL) can help boost confidence as you look forward to your future.

Life with Confidence

Click here to view an interactive IUL market volatility tool to walk through with your clients.

Two IUL Policy Options: An LTC Rider or a Chronic Illness Rider

Your clients' individual situations will help determine which solution may work best on their IUL policy. Learn the differences between the two so you can help your clients with this important decision.

Introducing Concierge Care Services

All new and existing life insurance with the BenefitAccess Rider (BAR) policyholders in 33 states will now have completely free access to Concierge Care Services. These services give individuals and their family members access to resources that can help them plan for and contend with chronic illness. Learn more.

Steps to Help Clients Retire More Securely

As you help clients prepare for retirement, showing them what to include in their planning and determining how much they will need are key. Start the conversation.

2020 IUL Product Updates

This announcement covers AG 49-A updates effective December 12, 2020, and IUL Rate changes effective for January 2021 sweeps.

NL Edge

Click here for the latest from National Life Group. Topics covered include Social Media, Product Updates, eDelivery and more.

Power Up Your Clients’ Coverage

Let Pacific Life’s attractive conversion product strengthen your PL Promise Term life insurance sales. Consider the benefits of PL Promise Conversion UL – with its guaranteed no-lapse universal life design, return of premium feature in policy years 15, 20, and 25, early conversion incentives and more – when choosing a term life insurance carrier with your clients. Fact Sheet

Time to Upgrade?

Life changes quickly. Is it time to upgrade from a PL Promise Term life insurance policy to one with longer, more flexible death benefit coverage? Show your policyholders just how easy converting to PL Promise Conversion UL can be with the handy flyer. Client Flyer

Maximize Your Marketing

Producer Bay offers a robust toolkit that allows you quick access to all the PL Promise Conversion UL marketing materials in one place — everything from product materials, personalized email campaigns, and more! Explore Resources

AG 49-A Change Announcement

Click here to view the announcement.

Field Bulletin

Click here to view Cap, Participation rate, spread, and illustrated rate changes for IUL from North American.

Introducing the Affordable Solution for the All-Important Family Market

Flex Whole Life with a Term Combo is the Budget-focused Solution for young families. Many new families have student loans, car payments, mortgages and the cost of raising children. Flex Whole Life is designed to support families’ lifestyles, provide financial security and safeguard dreams for the future. Click here for more details

Our New Protective Executive UL Takes Care of Business

Offer businesses a life insurance benefit for key employees beyond what’s available through regular group term. Protective Executive UL is designed for group term carve‑out plans and features guaranteed-issue type underwriting, five-year premium guarantees, and more. Download our guide to get the conversation started with your business clients.

Help Clients Learn More about Living Benefits

Protective Life’s ExtendCare rider can give your clients the power to access a portion of their life insurance policy’s death benefit while they are still living. Determine the ideal client for ExtendCare with this helpful guide.

When Thinking of Client Goals, Think of Symetra

Whether they’re planning for wealth transfer, cash accumulation, or basic protection needs, Symetra offers life insurance solutions that are just as unique as your clients. Check out our new Think of Symetra flyer that highlights our commitment to our customers, product solutions and additional features they may benefit from.

AG49-A

Our new Accumulation IUL ’20 is already AG49-A compliant, but for our Protection IUL products, we encourage you to use the new max rates shown here to help minimize disruption and ensure cases close smoothly.

Valuable Tips to Avoid Titling Errors

In this AM60, you’ll learn about how small titling errors can lead to big consequences for the insured’s family. By knowing of the existence of these traps, you can better protect against them. Watch Now

Make a Difference Using SIUL for Legacy Planning

Help Your Clients Make a Difference … Discover this hypothetical case study, where clients could create a valuable legacy benefit for heirs or charities using the death benefit from a Survivorship Indexed Universal Life (SIUL). Learn More

What’s in Store For 2020 And Beyond!

The stock market’s recent performance was strong, but also reflects a disconnect with the economy. Stock markets defied continued uncertainty about the pandemic and the economy to reach all-time highs in the 3rd Quarter of 2020. Click here for full article!

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.

Principal Guaranteed Issue Term

Principal Guaranteed Issue Term offers a simple and affordable funding option to meet a variety of business needs—and makes the underwriting process easy and hassle-free. You can help your clients solve many common business needs:

Key person insurance to help the business recover costs associated with the loss of key executives
Buy-sell strategies to help facilitate ownership transitions
Supplemental coverage for participants of a nonqualified deferred compensation plan
Executive carve-out coverage to supplement company-sponsored group life insurance

Review the program overview to see who’s a good fit and get program details.

Give your year-end DI sales a boost with simplified underwriting

Click here to view the details

Meet the New Allianz Life Pro+ Advantage Product

Register for our exclusive December 3rd webinar where we’ll discuss the future AG 49 changes, preview the upcoming enhancements to Allianz Life Pro+ Advantage Fixed Index Universal Life Insurance Policy, and showcase new innovative sales tools to help drive your business.

Webinar details:
Date: December 3rd, 2020
Time: 1:00 p.m. Central Time
Link: Register now!
Dial-in: 1-631-267-4890
Participant Passcode: 128 792 3919

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.

Everyone Loves a Good Story

Real People. Real Stories. Turn these claims flyers into powerful sales tools by describing how an LTCi policy helped Mutual of Omaha policyholders and their families.

Fast Lane Underwriting

Click here to view to learn about the recent enhancements.

Important DI product updates

Click here to view the Principal announcement.

Looking for an edge on your next LTC case?

How about showing prospects how they can use tax-advantaged dollars to help fund a SecureCare Universal Life policy? Click here to learn more.

In Life, Your Clients Face Many Unknowns

A single investment can help them be prepared for three of the most common ones. An affordable, flexible LTC solution allows clients to use benefits as they see fit. Click here to read the full sales idea!

The Great Wealth Transfer! Are Your Clients Prepared?

Baby Boomers have amassed so much wealth that they now control roughly 70% of all disposable income and are expected to transfer upwards of $68 Trillion over the coming years. This Great Wealth Transfer will be like nothing we have ever seen and OneAmerica has a solution. Click here for a short video to learn 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

Accelerated Underwriting

Now available on all submission methods, this fast and easy path to underwriting decisions (no labs required!) is available for proposed insureds 18-60, applying for face amounts up to and including $3M.

3 Ways to Get Business in the Door Faster

You still have time to get more policies in this year. Put our technology, processes and top product features to work to help you end the year on a high note.

eBusiness Solutions - Our digital application and accelerated underwriting help improve turnaround time to get a faster decision!
eDelivery – Select the eDelivery option in eApp on term to save 2-5 days in turnaround time, compared to mailed policies!
Term Conversions with ADDvantage Term – Learn about convertibility and other features this product has to offer.