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3 Mark Financial, Inc.

December 2, 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 later today, at 3:00 PM Central

Trust Planning in A New Tax Paradigm

The Tax Cuts and Jobs Act of 2017 (TCJA) brought significant changes to the tax law, including the area of estate and gift taxes. In 2020, the exclusions for federal estate and gift tax exemptions (indexed for inflation) increased for both individuals and couples. While many estates will fall below the federal exclusion amount, there are still many important reasons to consider using a trust funded with life insurance for legacy planning. Our brochure outlines how clients can employ trusts to help protect their legacies and transfer them to future generations

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

We're pleased to announce that Income Advantage IUL, Life Protection Advantage IUL, and AccumUL Answers are now available on the iPipeline e-Application system. Learn more.

Identify Clients Who May Need IUL Express

Want to know who the target markets for IUL Express product are? This sales sheet outlines who you should be considering as potential clients.

Global Atlantic AG49a Transition Guidelines

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

Indexing: The Secret Sauce of our IULs

In this segment of our Conversation Video Series, National Life’s AVP of Marketing Morgan Gold speaks with a leader in our Independent field and CEO of NIW Companies, Inc. Daen Wombwell, about indexing and some key differences between the index crediting strategies offered with an IUL policy. Watch the video.

Client-Friendly Blog Post: 8 Financial Steps to Take Before 2021

With 2021 fast approaching, this blog post is a great way to remind clients of important financial steps to take before the end of the year. Read it and then give it a share!

Tailored Solutions For Life Insurance

North American provides a tailored approach to death benefit protection, with a solution for many different client needs. Learn more and get materials to start the life insurance conversation.

Find Your Next Client Through Referrals and Policy Reviews

Referrals can be a powerful way to grow your client base. But sometimes, it can be difficult to generate new client sources and buying leads can put a big drain on your budget. Let North American help. Join us for a webinar on December 17 some fresh, new ideas on how to get in front of more people, generate the kind of referrals you want to be meeting with and implement policy reviews. Register today!

Making Our LTC Rider Elimination Period Simpler

You asked and we listened! John Hancock has changed the way the elimination period is satisfied on the most recent version of our Long-Term Care (LTC) rider. Now, instead of requiring 100 service days before LTC benefits are payable, clients can simply:

Wait just 90 calendar days from the day they are certified as chronically ill
Count every day, whether or not they receive LTC services

LTC On Demand

Listen to our experts in this recent webinar discuss why now is the time to help your clients both plan for the possibility of needing care — and reduce the financial and emotional devastation it can cause their loved ones. View here

40-Year Term Solution

Legal & General America offers up to 40 years of guaranteed, level term life insurance coverage. Consumers are looking for simple, more affordable options when it comes to protecting their financial futures. Download the sales idea

Term Protection for the Long Term: Consumer Case Study

Many consumers choose to purchase a policy with level payments and coverage that lasts for 20 years. The fact is, many end up wishing they had bought a longer term policy when they had the chance. Share this consumer-approved case study

Last Chance to Register For The Long Term Care Awareness Month National Webinar!

Americans are living longer than ever, and with continually rising healthcare costs, the need for long-term care (LTC) has become more of a “when” than an “if” situation. Please join us Wednesday, December 2 at 2:00 pm ET, to discuss Planning for Long-Term Care Expenses – as a Family. Register here.

The Lincoln Leader

Click here to view this week's edition.

Expanded. Enhanced. Exclusive

Register now for our December 3 webinar to learn about the upcoming AG 49-A changes, and our product enhancements and innovative sales tools for Allianz Life Pro+ Advantage Fixed Index Universal Life Insurance Policy, launching December 14:

EXPANDED bonus options
ENHANCED sales tools
EXCLUSIVE features

Note the following transition rules:

Applications received on or before 2:59 p.m. Central time on December 11, 2020 will follow existing AG 49 guidelines and receive the pre-change version of the product.
Applications received after 2:59 p.m. Central time on December 11, 2020 will follow new AG 49-A guidelines and receive the post-change version of the product.

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.

Leading Tomorrow with OneAmerica

Our next speaker, Ed Slott will be Thursday, Dec 3rd at 2 pm EST, he will be covering planning in uncertain times. Leading Tomorrow with OneAmerica promises to be time well spent, please Register here.

If you missed our last speaker George Nichols III you can watch his presentation here

Lights, Camera... Action!

Are you new to LTCi? Learning about long-term care insurance is easy with our two-part video training series.

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

IMPORTANT Year-End Processing Deadline

At Columbus Life, we understand how important it is to get your clients’ policies in-force as soon as possible — especially before the year’s end. That’s why we’re making a promise to you: approved applications with all requirements received in good order by December 18 are guaranteed to count toward your 2020 year-end goals. Click Here For Details

Tips to drop a ticket to the new digital application – iPipeline Users

Legal & General America continues to enhance our digital journey and make the online application available to a broader range of customers. When dropping a ticket via iPipeline, use these tips to ensure your clients have the best chance of qualifying. Download Tips and Client Prep Guide

Go Digital with SBLI: Accelerated Underwriting Sweet Spots

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 commonly accepted conditions for our Accelerated Underwriting Program.

For people age 18-60 in all risk classes seeking $500,000 or less of term or whole life insurance, SBLI’s Accelerated Underwriting (AU) process guarantees:N

No hassles
No exclusions
No medical exam
No fine print. Period.

Click here for more details.

SBLI Has Expanded Our Premium Payment Options!

In response to ongoing customer feedback, we are expanding our premium payment options. Customers will continue to have the option to pay their initial premium by credit card at no cost. In addition, they will now be able to pay their additional premiums by credit card. Find more details here.

Don’t Forget About Our WriteFit Expansion

Take advantage of our WriteFit guidelines expansion with eApp. The max face amount for WriteFit applicants ages 18 through 50 is currently $3 million through the end of 2020. Learn more – Click Here (Password Required)

Enhanced e-App Platform Will Launch in January

Experience an updated, streamlined, condensed life insurance application starting in January 2021. Designed to save you time and effort with an improved experience, you’ll see automatic, pre-filled data and reduced app entry times. Stay tuned for more info soon!

More Clients Eligible for Easy Underwriting

Our Easy Underwriting program has been greatly expanded. More of your clients can benefit from underwriting that doesn’t include paramedical exams or labs. See who’s eligible.

Tips for Submitting Year-End Business

With the fourth quarter already underway and the end of the year right around the corner, getting last-minute business completed can be tough. Luckily, our latest article shares a few things you can do to help increase the chances of converting submitted applications to placed business by year-end.

Beat Postal Delays with Protective Velocity

With year-end deadlines coming up, the benefits of using electronic capabilities through Protective Velocity are more valuable than ever. If printed documents must be sent to Protective Life, we encourage you to leverage services like FedEx or UPS to avoid delays. Here’s more on how to expedite your business and avoid postal delays.

New IUL Annual Statement How-to Guide!

Our updated accumulation-focused and protection-focused Index Universal Life (IUL) products are stuffed with new rates, an added rider, enhancements to policy annual statements, and increased limits on non-medical UW (now up to $1M on select products). Check it Out!