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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

December 23, 2020

One of the greatest joys of this season is the opportunity to say THANK YOU and to wish you the very best for the New Year.

A Financial Services Blog from Nationwide

The Advisor Advocate is a financial services blog offering timely, relevant expertise on the topics that matter most to financial advisors and their clients; from economic insights and inspired, informed guidance for your clients to advice for building your practice. Click here for access!
 
Economic and Market Indicators- Cycle Watch/Recovery Downshift

Some components of the economic recovery downshifted in recent months, but this was expected given the unsustainable surge in activity during the summer. Click here!

Introducing our new infographic videos!

We’ve combined two of our most successful marketing tools together to bring our most impactful conversation starters to life.  Share these high energy tools with your clients to help get the life insurance conversation started.

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.  

6 Sales Ideas to Consider

If you are looking for insurance sales ideas that can help grow your business, look no further than this video. Jeff Taber shares tips that he’s learned from agents all across the country. Watch Now

Field News

Click here to view the December 2020 edition.  Containing the latest news from Pacific Life Broad Market.

Enhance Your Social Selling Efforts

For financial professionals, building a business is about networking and meeting new people. Is it any surprise that social media and social selling have become a mainstream way to get to stay top of mind and deepen the relationships? Discover the 4 key aspects of an effective social selling strategy in this brochure.

A Refresher on the 2020 IUL Updates

Review our updated marketing and training materials! Read more.
 
New Inforce Illustration Training Videos Now Available

Watch these video walkthroughs and learn to run your own inforce illustrations 24/7!  Read more.

Life Lines

Click here to view the latest news and announcements from Securian

The Gift of Giving

Many grandparents would like to make substantial gifts to their grandchildren but living on a fixed income can make them difficult. With the purchase of a level payment whole life policy based on their lives, grandparents can maximize their gift and guarantee the death benefit.  Click here for more information and our customizable marketing piece!

The Ultimate Holiday Gift: Protect Your Loved Ones

This Holiday Season, help your clients find affordable options for protecting what matters most.

IUL Historical Performance is Now Available for IUL Express

We strive to be transparent in our IUL rate-setting process. That's why we continue to provide you with historical index interest rates, as well as our renewal participation rates and caps for all our IUL products. View the customer-approved flyers.

LifeEssentials

Click here for the latest product enhancements and service announcements from Prudential.

SVUL Protector Price Change Now in Effect

As of December 7 (January 4 in NY), PruLife SVUL Protector rates have increased by about 10%Click here to learn more.

PurSign on available

Effective December 7, electronic policy delivery will be available through the PruSign user interface on eligible term products delivered via DocuSign for BGAs.  Please see the highlighter for additional details regarding benefits, eligibility, and the process flow.

Introducing Our Strategic Partner Resource Center

Lincoln’s Strategic Partner Resource Center is designed specifically for you! This site will be updated regularly with timely content and serve as your one-stop-shop for all Lincoln tools and information. Visit the site at LFG.com/PartnerResourceCenter.  
 
NEW 10 Reasons Why Client Guide

Take the lead on care conversations. Rising long-term care costs could deplete your clients’ savings quickly if they don’t plan proactively. Use these insights to help drive long-term care planning conversations.  Read our guide here.
 
Did you miss our latest webcast?

Lincoln’s Tim Seifert moderated a session with Peter Stahl, President of Bedrock Business Results, that explored Medicare plan coverage and benefits options, the long-term impact of Medicare on Social Security, and understanding custodial care.  Watch the replay here.

Buy-Sell Planning

Business owners are often focused on the day-to-day operation of their business, and future planning may not be top of mind. Since they’ll transition out of the business someday—either on their terms or from an unplanned event—you can help ensure a smooth transition by working with them to implement a buy-sell strategy. Use this flyer to start the conversation.
 
Business Owner Retirement

Offer business owners a complimentary, personalized analysis that considers the value of their business, their business transition plans, and their potential retirement-income sources—and provides recommended solutions for any gaps or issues identified.  Approach brochure

Advantage 2.0 is HERE- See the latest product enhancements and sales tools we have for you

We still have the same powerful product, Allianz Life Pro+ Advantage Fixed Index Universal Life Insurance Policy – and in addition to the death benefit, we’ve added more innovations and tools to keep us standing out in the market, including:

  • Expanded bonus opportunity
  • Enhanced sales tools and illustrations
  • Exclusive features

 Learn more and get all your training resources here!

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.

Life of an LTC Application Brainshark

Watch the quick video tutorial to familiarize yourself with the steps of processing an LTCi application.

New!! SecureCare Sales Idea

Since SecureCare maximum payment age is now age 80 in most states, this allows older clients to take advantage of longer payment duration options and a new premium funding strategy. This is a sales idea you’ll want in your repertoire! 

Winning the Trifecta of Tax Laws

Clients often have more control than they realize over their taxes, and 2020 presents opportunities that should be seized today, as they may not be available or as effective later.   Click here for more info about how the Tax Cuts and Jobs Act, SECURE Act and CARES Act can help.
 
Care Coordination Enhancements

We’re excited to announce the expansion of our Care Benefit Concierge program to include care coordination services through CareScout.  Click here to learn more about the services our customers can expect from the CareScout Team.

In The Loop Annuities / LTC

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

In The Loop Underwriting New Business

Have You Tried Submitting an IUL Using e-App?

Our new e-App, introduced last month, is a great way to ensure your IUL applications are submitted in good order.  Click here to learn more.

Staying Productive in a Virtual Environment

These days, it is critical to be able to conduct your business from anywhere, anytime. Columbus Life’s digital platform can help you deliver the same level of service that clients have come to expect, but in a virtual environment. 

Starting 12/10/2020 -Transamerica not allow PDF copies of policies to be sent via email. Policy packets will be sent via mail to the client. 

New! Digital Application Video

Explore our faster, better online application experience made for the next generation of customers.

Help Your Business Move Fast…Faster…Fastest

In just three simple steps, you can get business done (and get paid) faster with our streamlined drop ticket solution. No meddlesome paperwork, no paramed scheduling, no stress. Click here for more details.

COVID - 19 Participation Guidelines 

Click here to view the changes to be implemented on January 1, 2020.

Carrier Year-End Processing Guidelines

OneAmerica year-end guidelines

Click here to view the document

Protective year-end guidelines

Click here to view the document

Global Atlantic year-end guidelines

Click here to view the document

National Life Group year-end guidelines

Click here to view the document

SBLI year-end guidelines

Click here to view the document

Pacific Life year-end transaction guidelines

Click here to view Pacific Life guidelines.

AIG year-end transaction guidelines

Click here to view the Field Bulletin containing 2020 year-end processing dates and holiday schedule

Lincoln year-end transaction guidelines

Click here to view the Lincoln guidelines.

Nationwide year-end transaction guidelines

Click here to review the document.

North American year-end guidelines

Click here to view the North American guidelines.

Symetra year-end guidelines

Click here to view the Symetra guidelines.

Equitable year-end guidelines

Click here to view the Equitable guidelines.

Legal & General year-end guidelines

Click here to view the Legal & General (Banner) guidelines.

Principal year-end dates and guidelines

Click here to view the documents

Securian year-end transaction guidelines

Click here to view the Securian year-end guidelines.

John Hancock year-end transaction guidelines

Click here to view the John Hancock guidelines.

Prudential year-end transaction guidelines

Click here to view the Prudential Key Dates and Deadlines

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