Learn more about the latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
April 21, 2021
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Join Jeff Taber and Mike Gerlach from Columbus Life, for
IRA Asset Repositioning Program: IRA/SPIA to Life
This in-house 2-in-1 sale solution assists your clients in repositioning IRA assets to life insurance. Learn about the program and explore sales ideas for this $11 trillion sales opportunity.
Webinar Later Today at 3:00 PM Central
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Who is the IUL Express Client?
People often ask us who IUL Express is designed for. The truth is, the product is very versatile. Watch this short video which shows a random sampling of 10 cases all placed on the same day.
Help Provide Your IUL Clients with Comfort Using the GRO Rider
A fully-underwritten IUL policy is a great way for your clients to protect their loved ones. But life changes - and sometimes your client's life insurance needs change too. The GRO rider gives your clients options. Learn more.
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Helping protect our families
6 in 10 Americans say they have a heightened awareness of the importance of life insurance due to COVID-19, according to LIMRA’s quarterly Consumer Sentiment Study (October 2020). Read 'The Time Is Right' to learn more about why there has never been a better time to have the life insurance conversation and help our clients protect their families.
Building a legacy with IRA strategies using life insurance
Introduce affluent clients to two different strategies using life insurance that can help them maximize the after-tax value of their inheritance or help reduce taxes paid on the IRA inheritance. Watch the video.
Put your life insurance to work
Did you know you have the option of adding the Accelerated Access Solution® (AAS) Chronic Illness rider to your term conversions? That’s right! By adding the AAS rider, you can help your clients access their income tax-free life insurance benefits if they are diagnosed with a chronic illness. View the flyer.
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Term insurance is now available for high-net-worth foreign nationals
In addition to our fixed permanent life insurance, Symetra term insurance is available for high-net-worth foreign nationals (HNWFN) in our program. If you’re currently working with or have referrals for HNWFN clients, our market expertise featuring Fabian Gonzalez, can help you navigate the generational wealth transfer process. Download the brochure.
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Reminder: New Capabilities with Updated Training and FAQs
Recently, we rolled out several new capabilities within our digital application platform. We’ve updated our training materials on the new Offer, Pay, Issue process and added a FAQs document you can share with agents. View all.
New Corporate Social Responsibility Video
At Legal & General America, we value our people and our planet. Our team is committed to reducing our impact on the environment, and it shows. Our efforts have been recognized and rewarded with the EPA’s Energy Star Certification award and the Indoor Environmental Quality Certification. Watch the video.
Protecting People is Why We’re Here: NEW Claims One-pager
Paying death benefits to families and businesses during life’s most uncertain moments is the real story behind our business. In 2020, we paid more than $1 billion in claims to thousands of families and businesses. View Claims PDF | Download graphic PNG.
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A Fun, New Way to Promote the Importance of Financial Empowerment
Help spread the word this Financial Literacy Month with our new YouTube channel, F is for Finance. Learn more.
National Life Group is Enhancing our Suite of Universal Life Products
National Life IUL Product Updates Coming May 1, 2021. Read more.
Get in Front of School Decision Makers and Gate Keepers This Spring
Engage with LifeChanger’s Capstone Award. Learn more.
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NEW Challenge Accepted campaign
A knowledge network of resources, insights and actionable content to help financial professionals differentiate their practice and better serve clients in an ever-changing world is now available! Visit the Challenge Accepted Resource Center to explore the full suite of content available, which we'll continually build on in 2021. Watch our video.
‘Closing the Coverage Gap’ webinar
LIMRA asked consumers how long it would be for their family to face financial hardship if the primary wage earner were to die prematurely. Get a better understanding of the scope of the coverage gap and see the resources you have to efficiently serve these clients. Watch the replay here.
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Financially Solid
For more than 150 years, Pacific Life has helped hundreds of thousands of individuals and families with their financial needs. We remain committed to creating innovative products and services that provide value and financial security for current and future generations. Read the 2020 Pacific Life Annual Report.
30 Ways to Connect on LinkedIn
Looking to grow your LinkedIn network? In just 30 minutes, you can help expand your reach with these 30 activities that can serve as triggers identifying timely opportunities to reach out to a client or prospect. Explore your options and get connecting. View the infographic.
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Premium Finance - Global Accumulator Case Study
Many high-net-worth individuals and business owners are comfortable leveraging their assets. They may have even used financing and leverage to help create their wealth. Premium Finance may permit them to leverage their current assets and the life insurance policy’s cash surrender value to obtain the coverage they need. Check out the Case Study.
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Life Insurance As Part Of A Plan For Retirement?
You bet. Buying the right life insurance coverage with future retirement in mind can help make it easier for family members to handle finances after an unexpected death. It can also provide the opportunity to grow cash value to use for a variety of needs and activities. Share this client-friendly blog post to show this use case for life insurance.
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Don’t Leave the Care of a Special Needs Child to Chance
Find out how to help clients to plan today for a better future with life insurance and special needs trusts.
Marketing Resources that “Matter” All in One Place
Discover valuable resources on the topics that matter most to you — our product design, financial strength and commitment, technology, as well as service and support.
Life Products Illustration Quick Start Guide
This guide will provide you with simple instructions to get a “Quick Start” using our life products illustration software. The software is available on the web and desktop. Both will synchronize your data regardless of your method of entry.
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Extraordinary Care Creates an Extraordinary Culture
Connections and communication are just two of the reasons that Nationwide made the Fortune 100 Best Companies to Work for list for the 7th consecutive year. Read full article.
Balancing Innovation with Diligence
At Nationwide, we balance innovation with diligence. Our enterprise risk management capabilities are viewed favorably by third-party rating agency services, citing our ability to assess and manage exposures through hedging and reinsurance programs and our own robust internal structure. Learn more.
Life as We Know It Is Changing!
The recent passage of the Consolidated Appropriations Act of 2021 included changes to 7702 and 7702A. This is good news because it increases the funding limits for policies to qualify as life insurance and allows for higher premiums relative to the death benefit before becoming a MEC. Avoiding a MEC means more favorable tax treatment for policy distributions. Read more.
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The all-new Protection VUL now approved in California
The only Protection VUL with guaranteed premiums that can offer upside potential through both market performance and healthy engagement. View flyer.
Planning in Action: To Gift or Not to Gift
Gifting continues to be extremely popular among high-net-worth clients. Our latest Planning in Action: 'To gift or not to gift — what are the options?' discusses a case focused on engaging clients to take action and fund a plan — even if they are reluctant to make gifts today.
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Why SBLI Flex Whole Life?
The strength of a whole life policy lies in its versatility. On the one hand, it helps guarantee the protection of your family’s financial future. On the other, it’s a concrete asset when the financial markets are down; building guaranteed cash value over time and offering the potential for enhanced growth with dividends that can supplement your income needs when you need it most. Learn more and check out our customizable marketing piece.
Help Agents Communicate with Clients
Finally, insurance that doesn’t require a home visit. A great way for clients to learn about our fast, less invasive application process. A consumer-flyer makes it easy. Download our customizable marketing piece.
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Allianz Life Pro+ Advantage materials now in Spanish and Mandarin
Helping you present our products to speakers of other languages: Download these materials for your clients.
Update to life insurance Index Lock Report
When viewing the Index Lock Report or a client’s policy details page on the website, the Index Interest Rate % now includes the interest bonus in the total when a client is allocated to the Select or Bonused index allocations within their Allianz Life Pro+ Fixed Index Universal Life Insurance Policy. If a client is allocated to a Classic index allocation, the bonus will not be included in the total and would still be added on top of the value shown. If you have questions, call the Life Case Design Team at 800.950.7372.
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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. Download the brochure.
Key person sales idea
Show owners how life insurance on key employees can help the business receive cash to recruit, train, recover from lost income, or overcome whatever financial burden is left behind. Check out the sales idea.
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Founders Plus to Offer Goldman Sachs Voyager Index Account
On April 19, 2021, PruLife Founders Plus will offer a competitive, exclusive-to-Prudential indexed account option from Goldman Sachs. We're also responding to the interest rate environment with premium updates coming to both Founders Plus and PruLife Essential UL. Learn more.
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Build your Social Media Presence with Help from OneAmerica
Starting conversations with clients proves pivotal to the work you do. You can attract and nurture your network connections into prospective clients with social media. Use this campaign to begin developing your online strategy and engage potential clients in virtual conversations with you.
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Take your Marketing to the Next Level
OneAmerica marketing campaigns provide the tools you need to connect with customers or advisors. Each campaign includes valuable resources to help you take your business to the next level. Using our customizable collateral, you can connect with your audience in an effective, seamless way. Download the brochure.
Joint Life Deep Dive for Clients
Asset Care is a unique life insurance-based long-term care (LTC) solution that can cover two people under one single policy. Use this Deep Dive during your next client appointment.
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Using Tax-Advantaged Dollars For Long-Term Care
When you combine an innovative insurance product with the right tax strategy, a new world of opportunity appears. Case in point: SecureCare Universal Life’s unique premium structure offers clients potential tax deductions and savings – and you can show them how to turn them on. Watch the video.
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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.
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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The Power to Allocate Less And Do More With Your Client’s Money
Learn more about the benefits of a Power Series Index Annuity issued with the Lifetime Income Choice guaranteed living benefit rider. Read the brochure.
Predictable Lifetime Income Now Available For Your Clients
Even in uncertain times, Assured Edge Income Achiever can offer clients the security of guaranteed income – for life. View the placemat.
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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.
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Help Your Business Move Fast…Faster…Fastest
In just three simple steps, you can get business done faster with our streamlined drop ticket solution. No meddlesome paperwork, no paramed scheduling, no stress. View our flyer for more details.
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