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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

December 30, 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.

Product Announcement! - Chronic Illness Rider & Critical Illness Rider

We view life insurance as more than just a death benefit. That’s why we are adding two benefit features via riders to help clients face the unexpected!  Click here for full details!
 
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! 

Introducing Concierge Care Services For Policyholders With BenefitAccess Rider (BAR)

These services give individuals and their family members access to resources that can help them plan for and contend with chronic illness.  Learn more.
 

Consider Risks As You Help Clients Prepare For Retirement
A retirement strategy that focuses solely on accumulation can leave clients vulnerable to common risks like taxes, outliving their money, market volatility, and chronic illness-related expenses. Life insurance can help clients manage those risks while providing a foundation of death benefit protection.  Learn more.

5 Reasons Your Clients Can Benefit From Our IUL

Max Accumulator+ was designed for your clients that are looking for permanent life insurance protection, plus the potential for long-term wealth accumulation that can be used for supplemental retirement income.

  1. Volatility Protection – Offers protection against market volatility, through global and domestic index interest crediting strategies. Learn more about Volatility Control in Volatile Market Conditions.
  2. Cash Value Access & Riders - Allows clients to take distributions as needed because life doesn’t always go as planned.
  3. Tax Diversification – Helps fuel supplemental retirement income that is generally tax-free.
  4. Cost Structure – It’s affordable and transparent cost structure is designed to help generate optimal, stable income in good years and bad years.
  5. Non-Medical Underwriting – It’s faster and easier to acquire for policies that qualify.

Learn more about Max Accumulator+ IUL with non-medical underwriting

Maximize Your Marketing 

Have you visited our Producer Bay marketing toolkits lately? Our robust toolkits allow you quick access to all the PL Promise marketing materials in one place — everything from product materials to personalized email campaigns and practice management tools, and more! Explore Resources.

The Rapid Response Center is Your One-Stop-Shop to Help You Navigate the Current Environment

Helping to guide you through these challenging times.  Read more.

Protecting People is Why We’re Here

Paying death benefits to families and businesses during life’s most uncertain moments is the real story behind our business. Last year, we paid close to $1 billion in claims to thousands of families and businesses. See our consumer-approved claims flyer |  Download the graphic 

Lincoln Rewards Plus Program

Help your business clients reward their key employees using our turnkey, easily executed Lincoln Rewards Plus Program.  Learn more here.
 
Top 2020 Resources for 2021

It’s that time of the year, and we want to help you stay informed in 2021. Ring in the New Year with 2020’s greatest resources:

Estate Planning During Times of Uncertainty

Advisors and clients can read what changes could occur in estate and gift taxes or income taxes, and what actions to take to keep their plans on track.  The new Lincoln DesignIt Module addresses tax-transfer dilemma from the elimination of the stretch IRA. Hear about it from Tim O’Connell.

Solutions for Chronic Illness Client Video

This client approved video provides chronic illness information, payment options and shows how ExtendCare could be a good option for your clients.

Tips for Deciphering the Best IUL for Your Clients’ Needs

An IUL should not only provide a death benefit but also help your clients balance risk and reward — and do so with options that are easy to understand. At Columbus Life, we know that design matters, and we’re proud to offer a traditional IUL that you can feel good about selling to your clients.  Learn More
 
Learn the Value of Partnering with Essential Financial Professionals

Many clients arm themselves with several financial professionals to help them make smart decisions with their money. Insurance agent Dan Armstrong tells us how he finds and partners with other financial professionals to help their clients.  Watch Now
 
Boost Your Financial Know-How

Check out these Columbus Life educational resources that can help your clients understand the various options available to them to help meet financial objectives.  Learn More

Leaving A Legacy Through Life Insurance

Legacy building is a strategy that uses permanent life insurance to offer death benefit protection and efficiently pass on assets to beneficiaries. View sales concept materials from North American—including a client-friendly brochure and video—as you prepare for client conversations on legacy building. View materials today!

The 2021 Tax Reference Guide 

The 2021 Tax Reference Guide is available – Click 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.

Leading Tomorrow with Oneamerica – We Have Added a Final Speaker

Our final speaker, Dr. Monica Williams will be Thursday, Jan 7th  at 2 pm EST, she will be covering what we’ve learned from the pandemic so far and how we can use it to help our customers.  Please register here.
If you missed our last speaker Ed Slott you can watch his presentation HERE
 

Attention Arizona And Iowa: Best Interest Is Here!

Beginning Dec 31, 2020, in Arizona and Jan 1, 2021, in Iowa New Training will be required to be able to submit applications for any annuity products, including Asset Care annuity funding whole life. Click here for more information.
 
Lifetime Protection with a Deduction!

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.

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

Take a Look at These Stats!

National Life has been dedicated this year to making it easier for you to write business in any remote situation. One of the key initiatives that help us do this is EZ Underwriting, our accelerated underwriting program which allows our agents and clients to go through the underwriting process without the need for traditional requirements, such as an exam and lab results.  Read more.

Important Update: Anti-Money Laundering Customer Due Diligence Processes

Our Anti-Money Laundering processes are being enhanced to protect Allianz and you.  Click here to learn more about these important enhancements.

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