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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

April 28, 2021

Children's Whole Life Case Study Flyers

If your clients have grandchildren, then you should be bringing up Children's Whole Life insurance. Use our Protect Future Insurability and A Grandparent's Gift case study flyers to learn how to market this product to your clients. Check out flyers.
 
Are Your Clients Looking for Accumulation, Protection or Both?

Our Satisfy the Need for Accumulation and Protection sales idea shows how an Income Advantage policy can team up with a term life insurance policy to help clients who want to plan ahead for retirement, but also have a larger temporary life insurance need. Download sales idea.

April 28th is National Superhero Day: Advisors Are Everyday Heroes

More than a quarter of consumers said speaking with a financial professional made the decision to buy life insurance easier. Having the right conversation with clients around life insurance is critical to ensuring their protection needs are met and leads to better overall client satisfaction. Read LIMRA article.
 
No Place Like Home: Cover A Mortgage

The reality is, many families will take 35 or even 40 years to pay off a mortgage after refinancing, moving or taking on other financial responsibilities. Make sure they consider the right amount and length of coverage to fit their future needs. Download mortgage coverage flyer. Download NY version.
 
The Term Rider Solution: Save Money and Customize Coverage

Stacking 10,15 or 20 years of term coverage on top of a longer duration base policy may be the most cost-effective way for your clients to buy term life insurance. Visit resource page.

3-Minute Video Concept: Vitality Plus As An Interest-Rate Hedge

Watch this 3-minute video to learn about the power of engaging in Vitality — and for details on a frequently overlooked way that clients can use the Vitality credits they earn.

John Hancock Vitality members can now earn points for COVID-19 vaccination 

John Hancock Vitality members can now earn 400 Vitality Points, simply by sharing proof of their COVID-19 vaccination.  

To help you share this good news, use our client-approved email to use with your John Hancock Vitality clients. 

Step up your sales with Symetra

Solutions to help in every stage of life and insurance is more than just a financial safety net for loved ones. It can help fill several other important needs as well. Here are some prospecting clues for identifying clients who may benefit from life insurance—no matter what stage of life they’re in. Download flyer.

Preserve What You Have Protect What You Love

Life can change in an instant, and the ability to adapt when things don’t go as planned. A financial plan including life insurance with built-in flexibility can provide you with a higher level of protection for your family or business. If you want cost-e­ffective, yet flexible protection—with the added potential for policy cash value growth—Symetra Protector IUL might be right for you.  Download Protection IUL brochure.

Is Retirement Still a Thing?

Use our latest F* is for Finance video to talk to your clients and prospects about preparing for retirement. Read more.
 
What Do Upcoming 7702 Changes Mean for You and Your Clients?

Watch these videos to learn more about upcoming changes to our product lineup. 
 
SurvivorLife: NL’s New Survivorship IUL

Launching May 1: A versatile IUL for your clients’ diverse needs. Learn more.

Don't Miss Our 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 video.

Biden's Phase I Tax Proposals for Businesses

Lincoln’s Tom Commito shares an article on President Biden’s March 31, tax proposals that point to potentially higher U.S. corporate taxes, which can make business-owned life insurance more attractive. Read article.

The Psychology of Selling Life Insurance

When selling life insurance, it's important to understand the role of psychology in both the buyer and the seller. Read the latest Broad Market Insights to learn tips to unlocking the psychological components of selling, buying, and marketing life insurance.
 
Are You a Social Media Marketing Master or Disaster?

Take our assessment and power up your game. Answer just 10 short questions and get next-step suggestions based on your level of expertise to strengthen your social media marketing skills. Start Here.
 
Did You Catch the Latest Field News Monthly?

PL Promise’s Field News Monthly is an eNewsletter full of trending topics and helpful tools that you can use now. April’s edition features details on the 2022 Broad Market Winners Summit, exciting underwriting news and more. Read Field News.

Complement Your Retirement Assets

Check out this consumer-friendly brochure to discuss the value and versatility of permanent cash value life insurance as a potential source of supplemental income to meet a variety of lifetime contingencies and needs.

Teaching the Next Generation Of Clients

Your clients are the parents—for now—but you may be working with their children in the future. If they are looking for ways to help raise financially smart kids, provide this client-friendly blog post from North American as a value add.
 
A Strategy for Small Business Owners

As a financial professional, you help simplify the complicated. Read our case study to see how life insurance can help your small business owner clients make a smart plan for their family and their future retirement. 

Indexed Universal Life: When Flexibility and Growth Potential Matter

Columbus Life’s Indexed Universal Life (IUL) insurance helps provide death benefit protection today and flexibility to cover future needs. Use this video to help your clients see the benefits of an IUL product. Watch Now
 
Case Study Using SIUL to Make a Difference

Discover this hypothetical case study, where Raphael and Alena are healthy 65-year-olds, insurable at standard non-tobacco and have $100,000 they would like to use for the benefit of others at their passing. They would like to maximize their gift but do not want complex legal structures or take any substantial risk with the principal.

Tax-efficient Retirement Income

Shifting tax laws mean it's time to revisit your clients' financial plans. Use our resources to develop timely and tax-efficient income strategies. We’re here to support you. Discover how we can help you help your client.
 
Nationwide Monthly Economic Dashboard

Ready or not, here comes the boom! March brought a sharp rebound in economic activity as consumer spending, hiring, and business sector production bounced back from a cold and snowy February. See full review.

The Top 10 Reasons To Sell SBLI Flex Whole Life

SBLI Flex Whole Life insurance is a competitively designed whole life product suite that provides guaranteed premiums, coverage, and cash value growth for life with the potential to earn dividends. With a suite of products and a wide choice of riders, SBLI Flex Whole Life sets the standard for flexibility, integrity, and guarantees. View flyer.

Coming May 4: Lock In Potential Interest Credits, Automatically

Get ready to wow your clients with the ease and convenience of Auto Lock.  Haven’t used Index Lock lately?  Here’s an overview of how it works.  Watch for more updates on Auto Lock, coming soon.
 
Important Notice Involving Life Insurance Sales and Solicitation In New York

Please read the notice from the Office of the Chief Underwriter Group regarding clarification on issuing life insurance policies involving residents of the state of New York, or solicitation or other activities occurring in New York. 

SMB Resources

As businesses navigate these times, seeing and hearing what their peers are doing can be valuable. Visit Business Voices which provides articles, videos, and podcasts you can share with your clients.

Prudential’s Illustrations Start Reflecting the New IRC §7702 Tax Limits

Starting on April 19th, our illustration systems will reflect the new tax limits that went into effect on January 1. Learn more about what these changes mean to clients.
 
Founders Plus to Offer Goldman Sachs Voyager Index Account

Effective April 19th, 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.
 
Robust Legacy Advantage Playbook Pointers eKit

A special edition Playbook Pointers eKit is waiting for you in this month’s Trimester Resource Site. It has materials for every part of the end-to-end sales process to put the Prudential Advantage to work for you. Start talking about Legacy Advantage today. Read more.

7702 Anticipated Illustration Impacts Flyer Now Available

Recently we sent out a communication regarding the 7702 changes that are going into effect on May 1, 2021. To help agents understand the anticipated illustration impact, we’ve put together a couple of flyers highlighting the differences. The latest flyer highlights the positive aspects – especially in a max funding/max distribution scenario. View Flyer

Manage Tax Risk in Retirement

A diverse tax scenario can help clients either avoid paying too much tax now (and not be able to maximize compounded growth) or later (when they’re trying to withdraw and need a reliable income stream). Read this consumer-approved flyer that shows how life insurance can be a powerful tool to help with both diversifying their taxes in retirement and protecting their legacies.
 
Client Flyer: What Type of Life Insurance is Best?

Use this consumer-approved flyer to help clients determine if term or permanent life insurance is right for them. 

Use our new LTC Cost of Care Calculator

OneAmerica now offers a Cost of Care Calculator that allows you to view the cost of care in any state and can also drill down to the local, city level. Access calculator.
 
Experience Care Solutions

How will your clients spend their retirement? Visit our Experience Care Solutions landing page to help educate your clients on the importance of planning for a LTC need.
 
Beyond Asset Protection

The financial impact of long-term care is often the focus of conversations with your clients. But there’s something else that’s just as critical to discuss: the impact on their family. Use this flyer for a better understanding of OneAmerica’s Care Benefit Concierge.

Strength Through Teamwork – Association Marketing

We want to help you team up with associations. Our new flyers and brochures are a great way for you tell the story about our how long-term care products can benefit association members. See flyers and brochures.

Start the LTCi Conversation

Asking three simple questions is a simple yet effective way to get clients talking about their families, their finances and their plans for the future. Learn more.

Working With Business Owners

One of many strategies for small business owners: ‘One-Way Buy-Sell’ for a more certain future. Use this client approved flyer to help you discuss the ‘why and how’ about the strategy.

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

Fast. Personalized. Easy.

Quickly estimate clients' future income with one of our product calculators:

In The Loop Underwriting New Business

Drive Policies Forward with Just a Few Clicks

Use DocFast, our electronic delivery solution that ensures policies and other important business-related documents are delivered quickly and securely to your clients. See Agent Guide.

Principal Guaranteed Issue Term

Principal Guaranteed Issue Term offers a simple and affordable funding option to meet a variety of business needs. Read Program overview.

Go Digital with SBLI: Your End-To-End Digital Solution for Term and Whole Life

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! Learn more.
 
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. View flyer.

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