Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
March 31, 2021
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Help Clients Build a Stronger Future
Use this shareable consumer site to walk clients through potential financial risks they may be overlooking and to see if Builder Plus IUL® 2 is the right fit for them.
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5 Tips to Compelling Life Insurance Copy
How hard would sales be without the written word? Copywriting is essential for promoting any business, and it has to be good to be effective. With short, snappy, compelling messages, you can inspire your audience to take action. Learn more about writing strong content in the latest Broad Market Insights.
PL Promise Term Pricing Refresh
Effective 3/29/2021, rates for PL Promise Term have been refreshed to increase consistency for solid competitiveness across all combinations of terms, rate classes, male/female, and issue ages. Our commitment to providing affordable life insurance coverage for everyday consumers remains strong. View bulletin.
Did You Catch PL Promise’s Field News Monthly This Month?
PL Promise’s Field News Monthly is an eNewsletter full of trending topics and useful tools that you can use now. March’s edition features cross-selling opportunities with PL Promise Conversion UL and more. Read Field News.
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Business Succession
Offer business owners a strategy for transferring their business to the right people, at the right time, for the right amount of money. Click here to learn about the importance of buy-sell agreements.
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The Growth within Actual IUL Policies
From March 10, 2020 to March 10, 2021, the S&P 500 was up 35.27%. This led to another phenomenal month for our IUL policyholders. See policy performance in our historical crediting and renewal rate flyer.
Ease Your Client's Worries with Living Promise
Living Promise (Final Expense) is a type of permanent life insurance coverage designed to provide protection for your client's family. Learn the basics of this simple, affordable life insurance product.
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S.T.O.P - Employees
Every business has key people who keep things running successfully — through ideas, know-how, experience and leadership. You can use S.T.O.P. to demonstrate how life insurance can solve both key person and employee retention challenges. Learn more.
S.T.O.P. – Business Partners
Buy-Sell Agreements can be an important part of any partnership. See how S.T.O.P. helps you start the conversation about funding both cross-purchase and entity purchase agreements with life insurance. Learn more.
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Tax Planning Material Approved for Client Use
With tax season in full swing and the topic on clients’ minds, there is no time like the present to revisit some of our awesome tax planning materials. Here is just a sampling of what we have available:
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Winning with Financial Wellness for Women
In honor of Women’s History Month, utilize our Winning With Financial Wellness for Women resource guide, which provides tools and resources to help you find success when marketing and selling to women. View resource guide.
Did You Know?
Prudential is proud to partner with LL Global (LIMRA, LOMA, SRI) in support of their “Help Protect Our Families” campaign aimed at creating awareness and closing the $12T life insurance coverage gap. Learn more.
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VUL Quick Hit
Listen to our very own Meredith Elliott discuss the new VUL21 in a quick 3-minute video. Watch video.
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Easy and Exam-free: New Client-approved Resource
Getting life insurance coverage is easier than ever. Get up to $2 million in life insurance coverage without a medical exam or blood work, through a simple, no-touch process that starts with an easy online application. Share now.
Infographic: COVID-19 Drives Interest in Life Insurance
LIMRA and Life Happens have put together an infographic around the impact of COVID-19 has had on the perceptions, attitudes and behavior of Americans toward life insurance. In support of the #HelpProtectOurFamilies industry-wide campaign, please share this important market opportunity with agents and advisors. Download PDF.
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Columbus Life Products on WinFlex Web
Login at winflexweb.com to access our portfolio of competitive products. WinFlex Web features a single system for multiple carriers, advanced sales concepts, elimination of updates/software maintenance and create, store, and retrieve case files containing an unlimited number of clients. Find Out More.
Discover Our ADBR Strong Points
Quickly learn about the strengths of Columbus Life’s Accelerated Death Benefit Rider (ADBR). Discover the value our living benefits can bring to your clients. Learn More.
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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. Learn more.
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Myth: Women Don't Need Life Insurance
Myth busted! Check out these 5 reasons they do. Read more.
Spot the Flexible Premium Business You May Be Missing.
Talk with your clients beyond 403(b). Read more.
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Symetra’s high-net-worth foreign national market program
Our expertise helps clients who have ties to the United States navigate the generational wealth transfer process with a program designed specifically for the high-net-worth foreign national (HNWFN) market. See program highlights for 2021.
Reward and Retain Valued Executives
High-quality employees provide a competitive edge that can take your business to the next level and offering an executive bonus plan using life insurance can help attract and retain your industry’s top talent. Read our Executive Bonus Plan brochure.
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Policy and Legislative Updates and Resources
When laws pass that affect clients’ retirement planning or retirement income, we offer informative content here to help you navigate the changes. Access planning opportunities and updates.
Helping Today’s Families Plan for Tomorrow
74% of clients believe that supporting their aging parents has complicated their retirement planning. The dynamics of today's families are quickly changing and bringing with them a new set of complex financial challenges that need to be addressed. Helping families simplify and plan for these unique issues could be beneficial for both them and your business. See our resources to help you help your clients navigate these waters.
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Updated – LTC/CI Planning for Every Life Stage
Leverage Securian’s LTC portfolio to help create customized solutions every step of the way. Corresponding pieces: recorded webinar and consumer-approved brochure.
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Set Target Premium with MutualCare Solutions Software
When you are meeting with clients who have a desired premium in mind for long-term care coverage, we have a great tool to get you to that premium amount. Learn more.
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New for California: Updated Asset-based LTC Loan/Withdrawal Process
In an effort to help clients better understand the impact of taking a loan or withdrawal from their asset-based LTC policy, California will now require policy owners to sign a letter outlining this impact before we can process a loan or withdrawal. Learn more.
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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.
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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.
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Annuity Fact Finder
Click here for a great Annuity Fact Finder
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NEW Power Index Premier NY Calculator
Use the new calculator to show clients how to receive guaranteed lifetime income with opportunities to grow their future income.
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Principal Guaranteed Issue Term
Principal Guaranteed Issue Term offers a simple and affordable funding option to meet a variety of business needs. Review program overview.
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E-Policy Delivery Program: An integral part of SBLI’s end-to-end digital process
With SBLI’s E-Delivery Program there is no face-to-face contact necessary! Policy and delivery requirements can be accepted, signed and paid for by the client online. Find out more.
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! Read the flyer about commonly accepted conditions for our Accelerated Underwriting Program.
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Reminder: Now Conducting Virtual Assessments for LTCi
Your LTC Underwriting team is temporarily completing virtual assessments for applicants age 65 and over with favorable medical records. Learn more.
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The Next Level of Agent Technology
We know that technology matters to independent producers and we’re proud to offer the CLIC Mobile App, iGO Electronic Application, Accelerated Underwriting, iPipeline's DocFast e-Delivery and the mobile-optimized Columbus Life Producer Extranet. When these tools are used together, policies go in force sooner, commissions are paid faster, and your experience with us is even easier. Watch video.
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eBusiness Solutions updates
North American is excited to share updates to make submitting business easier:
- Cases can now be submitted through SimpleSubmit® e-app with death benefits of $10 million and above, up to 10 children under the Children’s Term Life Insurance Rider, and up to six total agents per case. Learn more about the e-app.
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eInterview Expansion to Fast App
Beginning March 22, eInterview will be expanded to the Fast App submission process for certain case scenarios. Learn more.
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