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3 Mark Financial, Inc.

November 25, 2020

Please join Global Atlantic's Eric Thibault and Lina Storm, CLU, ChFC for:

Planning with Low Rates

Webinar Wednesday, December 2, 2020, at 3:00 pm central

Estate planning strategies that work exceptionally well in a low-interest-rate environment will be discussed in this session.

Webinar Wednesday, December 2, 2020, at 3:00 PM Central

Express

Click here for a weekly update from Mutual of Omaha.

10 IUL Strong Points from Columbus Life

Learn more about how Columbus Life’s IUL products (both individual and survivorship) stand out in the industry. Discover the difference with Columbus Life. Find Out More

1035 Exchanges: Tips for Avoiding Unintended Taxation

In this edition of AM:60, we’ll explore an important part of our business, 1035 exchanges, and what to look out for in order to avoid unintended income tax consequences. Watch Now

We Set Ourselves Apart from The Competition

With next-generation products and industry-leading insights, we’re committed to helping you meet your client’s needs at every stage of life- with strategies for today and tomorrow.

Important AG49-A Update

Visit the regulatory roundup for information about AG49-A that will affect your IUL illustrations and premium finance case designs, effective December 14th.

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.

SVUL Protector Price Change Coming Soon

As of December 7 (January 4 in NY), PruLife SVUL Protector rates are changing. Learn more.

LifeEssentials

News & Sales Ideas from Prudential

Let Them Know They Can Get Coverage Without Contact

Don’t have the words? We do. Let us help you reach out to your prospects and clients today! Read more.

Updated Max Illustrated Rates

Click here to view this announcement containing AG49-A information and transition guidance.

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.

Spotlight

Click here for the latest news and announcements from John Hancock.

Leveraging Concentrated Stock: Sales Story

Help your clients diversify from their concentrated stock position and improve the effectiveness of their legacy plan. With this sales story example, you can help them sell the stock and invest the after-tax proceeds into an IUL life insurance policy for the benefit of their heirs. Click here for the full story!

November’s Field News Monthly

This PL Promise eNewsletter is full of trending topics & useful tools that you can use now! November’s edition features the NEW underwriting sweet spots video, year-end closing info and more! Read it here!

Now Is the Time for A Life Insurance Checkup!

Many Americans don’t have enough life insurance—in fact, 1 in 2 households need more protection than they have.* By completing a policy review with your clients, you’ll help insure there is no gap in their coverage that could put their family at risk. Use this comprehensive policy review field guide to prepare, prospect, and conduct more effective policy reviews. (*WorldAtWork, Sept. 2019.)

One-Stop Shop to Policy Review Marketing

Check out Producer Bay’s robust toolkit that allows you quick access to all the PL Promise’s Policy Review marketing materials in one place—everything from the policy review field guide, infographics to personalized emails to send to your producers! Explore Resources

Innovations Coming on December 14 on the Life Pro+ Advantage

AG 49 and the new illustration environment
New product enhancements
New innovative tools that can help you keep your sales momentum strong

Reserve your place at our December 3 webinar

Help to Close IUL Sales

Use this tool featuring Builder Plus IUL 2 (indexed universal life insurance) with clients to help close the gap on IUL sales before the end of 2020

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.

Lifetime Protection with A Deduction!

The favorable tax treatment of asset-based LTC products remains unknown to many Americans. It is often overlooked that our lifetime rider is in fact tax-qualified long-term care insurance, which means for clients that itemize those premiums can be deducted up to certain limits. Click here to review the current premium deductibility limits for 2020.

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.

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. Click here to learn more.

When Technology Gets Personal

Click here to read the Insurance News Net article.

Digital Application Benefits Guide

There’s more than one reason you’ll want to send your next term case to Legal & General America. Besides super-competitive rates and friendly service, our new digital application platform is creating a best-in-class experience for agents and customers. Here are 10 Reasons Why…

Fully-Underwritten Life Products are Now Available on e-App

Click here to read the announcement

A Cover Letter from You Can Help Expedite Underwriting

One of the most undervalued and underused tools of our life underwriting process is the cover letter. Telling the “client’s story” and how you’re supporting their overall financial strategy can be valuable to the underwriter and expedite the process. Consider these ways a cover letter can make the difference in your life insurance sales

Tele-interview Vendor Change

Click here to read the Securian announcement.

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. To learn more about our enhanced Symetra IUL Extra Coverage Program: IUL Extra Program.

Symetra’s Accelerated Underwriting Program

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.

Save Time with National Life's Electronic Options

Post offices may be experiencing delays due to the COVID-19 pandemic, but National Life has plenty of electronic options to get your business processed by year-end!. Read more.

Let Them Know They Can Get Coverage Without Contact

Don’t have the words? We do. Let us help you reach out to your prospects and clients today! Read more.

Term Conversion Special Underwriting Program!

We’re offering limited underwriting on select policies for our Nationwide Term Conversion Program with LTC Rider II. Offer available through December 31, 2020! Click here for the full details!