3 Mark Financial, Inc.

April 7, 2021

Join Lauren Hicks and Charles Perrault, as they present

Uncover Mirrored Loan Opportunities

During policy reviews, you may discover policies that have outstanding loans, putting them in danger of lapse. In these cases, a mirrored loan strategy may be an attractive client solution. Join Lauren Hicks and Charles Perrault from Prudential for an in-depth look at mirrored loan opportunities.

Webinar Wednesday, April 14, 2021, at 3:00 PM Central

Life Insurance is an Important Part of Any Financial Plan

Help your clients understand how affordable term life insurance can be an essential part of their financial plan. Share the consumer-approved flyer.
 
How Advisors Can Address Unconscious Gender Bias with Clients and Prospects

In support of the industry-wide campaign, #HelpProtectOurFamilies, MDRT has released an article focused on the unconscious gender bias advisors can have when working with clients and why it’s important to look at ways to reshape interactions for a better outcome. Read the article.

Protective Classic Choice term now offers New York clients even more

Offering the best term price to your clients is key. Now, you can offer a lower price AND additional features with our newly repriced Protective Classic Choice term in New York. Read our Know What Matters article for more details.

Get Finances Ready For Spring

Along with a return to warmer weather and outdoor activities, spring also means new responsibilities and expenses to consider. Share these four financial considerations with your clients to prepare for the season.

Small and Midsize Business Resources

2020 Principal Financial Well-Being Index: Many businesses say they’re growing—and learning—through uncertainty. Share this article with clients.
 
Buy-Sell Planning

Do your clients have a strategy in place to transfer their business to the right people, at the right time, for the right amount of money? Learn about business succession in 6 steps.

Conversations with Business Clients

One of the primary benefits of working with businesses is that they can have multiple financial needs. Check out our Business Solutions Playbook to uncover potential planning opportunities with business clients using life insurance. 
 
Claims Processing and COVID-19 Vaccines

Recent media coverage has raised questions regarding how claims related to COVID-19 vaccines are administered. COVID-19 vaccines are FDA approved. Pacific Life insurance policies do not contain an exclusion for FDA approved vaccines. All claims received will be processed in accordance with our normal procedures. Read our Special Report.
 
What’s New on PacificLife.com

Check out How to Buy Life Insurance available on our public-facing website—PacificLife.com. This short article shares four steps to help clients choose the best protection for their needs and includes access to a comprehensive life insurance need calculator. 

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.

John Hancock Vitality

Did you know that John Hancock Vitality can help your clients reach their financial goals and live a longer, healthier life? Check out this short video highlighting the benefits of John Hancock Vitality and how a policy with Vitality can help customers protect their financial future as well as their health and well-being.
 
You can also find the video in our Vitality Business Building Kit, which contains sales and marketing materials designed to help you share Vitality’s value and with your clients.

S.T.O.P. – Heirs

A significant portion of a business owner’s estate is often contained in the business itself, an asset that usually needs to be passed on whole. In addition, many business owners have the means and desire to give to charity. With S.T.O.P. you can show how life insurance can solve the estate equalization problem and also amplify a business owner’s charitable giving. Learn more.

Using Needs Analysis to Sell More IUL

Producers like you have the opportunity to use the life insurance needs analysis process not just to determine how much life insurance is needed, but to create a life insurance plan that is catered to the individual needs of the insured and, if utilized correctly, to place more permanent life insurance. Discover how you could help position Columbus Life’s Indexed Universal Life with your clients and prospects by utilizing a needs analysis process. Learn More.

Protect Clients Today from Taxes Their Estate Will Face Tomorrow

With the SECURE ACT eliminating the Stretch IRA strategy for most non-spousal beneficiaries, it’s more important than ever to help clients with a tax-efficient wealth-transfer plan. The Trimester focus continues with Spousal Lifetime Access Trust (SLAT) and Survivorship Standby Trust (SST) concepts. The Playbook Pointers have detailed materials around each. See Concepts.
 
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.

Rewarding High-Value Executives with Split-Dollar Life Insurance Plans

High-quality employees provide a competitive edge that can help take a business to the next level. An employer-sponsored, split-dollar life insurance arrangement can help your clients attract and retain their industry’s top talent and stand out as an attractive employer.  Explore our split-dollar marketing tools to boost your knowledge and generate more sales today! Visit our split-dollar site. 

Children's Whole Life Reprice

Effective April 1, 2021, we will be adjusting our Children's Whole Life rates in all cells. Find out transition rules and more.

The “Protect Gen X & Gen Y with SBLI” Sales Program Spotlight #3

Check out our Social Media Kit—a step-by-step guide and ready-to-use content that can help you harness the potential of social media and help you grow your business.

LTC Digital Experience

Our newest client-friendly tool that introduces the topic of extended care planning and helps clients prepare for having the care conversation—both with their families, and with you! Available for use in all states. Learn more.

LTC Sales and Marketing Process and Tools

Our new Sales and Marketing Process brochure breaks the LTCi sales process down into 6 thoughtful steps, helping you organize your approach to long-term care insurance sales.

Annuity Care and Annuity Care II updates launching April 24

Last year, we made pricing updates to the Continuation of Benefit (COB) options on our Annuity Care and Annuity Care II products in certain approved states. On April 24, these same updates will go into effect in additional states, and we want to make sure you’re prepared. Learn more.
 
Protect Your Clients Beyond the Averages

Long-term care needs are unpredictable and planning based on outdated averages can often leave gaps in your clients protection. View our free marketing resources to learn how they can be protected for their entire lifetime, not just a few years.

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

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.

Ten benefits of Using Nationwide Intelligent Underwriting

Intelligent Underwriting streamlines the life insurance application process for both you and your financial professionals, and it’s available with most of our term and permanent life insurance products. Our faster and more efficient underwriting process allows you to spend more time growing your business. Click here to find out how we can help!

Nationwide Continues to Find Ways to Make Doing Business with Us Easier

We are very proud that Nationwide is not experiencing an interruption with our service-level agreements in getting applications submitted, underwritten and issued despite record application volume submissions.  Learn more.

Ready to Submit Your First Case with Us?

Watch this FAQ video in which Dillon Ruth, a Columbus Life Senior Internal Wholesaler, discusses how the sales desk can help you easily find the necessary resources.

Go Digital with SBLI: NO Face-To-Face Contact Necessary

Our unique Accelerated Underwriting process guarantees no face-to-face contact for all clients, ages 18-60 seeking $500,000 or less of life insurance for all risk classes. We guarantee that no one will be redirected to our traditional underwriting process. Check out the step-by-step guide to our process.
 
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. Read about the details.

New Digital Application Platform Capabilities Are Here

We've rolled out several new capabilities within our digital application platform, to make the way you do business with us even easier, faster and better. Added capabilities include a new process for Offer, Pay and Issue, a simpler way to amend an application, and the expansion of application eligibility to include Waiver of Premium. Read more.

We've doubled up on our non-medical offering!

We’ve doubled up on our non-medical underwriting offering and expanded it on our protection focused IUL and doubled the face amount from up to $500,000 to $1 million! With easy non-medical underwriting on qualifying cases, it's simpler and faster than ever.  Learn more about non-medical underwriting.
 
Getting to the heart of what you are looking for

Whether it is the rated case advantage, custom durations or term conversion options, get familiar with all of the benefits of Select-a-Term. Want to know where we look the best? Our Underwriting Sweet Spots flyer will show you everything you need to know about AIG’s flagship term product.  Read Underwriting Sweet Spots.

Here To Help With Your Large Cases

Our team goes beyond just pricing the risk to take a holistic approach during underwriting, no matter the case size. Get tips for submitting a large case through North American, our autobind and jumbo limits, and view two large cases we recently approved. Download the flyer.

COVID-19 Underwriting Guidelines—All in One Place

If you are looking for Prudential’s underwriting guidelines related to COVID-19—look no further. These are not new guidelines, but the information is condensed all in one place to make it easier to find. Learn more.