The latest in Life Insurance and related client solutions.
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3 Mark Financial, Inc.
May 4, 2021
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Join Jacquelyn Baker and Howard Klebanow, for
Income Protection Solutions 101
Webinar Wednesday, May 12, at 3:00 pm central
May is Disability Awareness month!
Discover opportunities to protect your client's income if an injury or sickness prevents them from working.
Join Jacquelyn Baker and Howard Klebanow to explore this opportunity and learn how Berkshire Advisor Resource can help!
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Good news for your continuing education and training needs 20% off WebCE courses!
All producers who log in to their SureLC profile can get the newly increased discount of 20% off of WebCE courses. To access the discount, go to the Training page and select the 20% off button.
Please send any questions to Alexandra Galla at alexandra.galla@3mark.com.
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This Mother’s Day Remind Clients of The Value of Mom
How much would it cost to pay someone else to do all the things Mom does for the family? The answer is quite a lot, so make sure your clients understand the importance of protecting the value of all Mom does. Download Value of Mom | Unbranded version
Tips on How Emerging Technology Can Help Advisors Reach Their Goals
In support of the industry-wide campaign, #HelpProtectOurFamilies, MDRT has released an article focused on how COVID-19 disrupted advisors’ business operations and provides tips on how new technology can help them reach their goals. Read article.
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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. Learn more.
Five New ETF Portfolios Added to VUL Investment Platform
Great news! The investment story you can tell your John Hancock VUL customers just got stronger than ever with the addition of five new exchange-traded fund (ETF) portfolios comprising “The Optimized Portfolio System (TOPS),” which is managed by ValMark Advisers, Inc. Each TOPS option offers clients a separate risk/return ratio from conservative to aggressive growth. Information about our new funds has been added to our recently updated — and client-approved — Your guide to investing and allocation options brochure.
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Be Sure to Discuss the Living Benefits of IUL Express
Our Living Benefits of IUL Express flyer explains how the terminal, chronic and critical illness accelerated benefit riders work. It also includes an example of how each rider benefit is calculated.
Sales Idea: A Planning Strategy to Cover Retirement Expenses
There may come a time when an adult child needs to step in and help out with their parents' retirement expenses. This sales idea shows how Life Protection Advantage IUL provides a solution to help your clients plan ahead.
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Why You Should Always Talk About Money on the First Date
Talking about finances with your clients can be fun. Use our newest video to help spark the conversation.
Get to Know the 7702 Product Updates
National Life is making enhancements to our product lineup. Read more.
SurvivorLife IUL: Providing Versatile Coverage for Your Client’s Diverse Needs
View our updated marketing materials as you prepare for the launch.
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Symetra’s High-Net-Worth Foreign National and Domestic Multi-Cultural Programs
Today’s high-net-worth and domestic multi-cultural clients may live here in the United States or come from all over the world, but they share the same life insurance needs. Our expertise helps clients who have ties to the United States navigate the generational wealth transfer process with specifically designed programs. See our updated program for 2021 that now includes Term insurance program and guidelines.
Help Your Clients Leave a Larger Legacy
Is philanthropy a priority for your clients? Our Charitable Giving Benefit Rider is a no-cost feature available with Symetra Accumulator IUL and Protector IUL policies. It pays an additional 1% death benefit to a qualified charity of your client’s choice upon their death. Take a look at our Charitable Giving Benefit flyer to learn how your clients can leave an even larger legacy.
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Challenge Accepted: Embracing the Transformation of Our Industry
2020 reinforced our ability to adapt and thrive in the face of challenge. Download our white paper to learn more about 2021’s biggest growth opportunities and how we can help you say challenge accepted. Visit Challenge Accepted resource center.
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Life Insurance for Blended Families
While blended families have become more commonplace, estate planning that addresses their needs is an often overlooked and much misunderstood market. View our client brochure about how planning is especially important in a blended family situation and how life insurance can be a good solution.
Pacific Life by the Numbers
Our mission is to provide financial security through products and services that stand the test of time. And, our mission accomplishments show in the numbers. Check out our new Pacific Life Profile that highlights our ratings and rankings, our financial strengths, our expertise and products, and corporate responsibility.
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What is S.T.O.P.?
S.T.O.P is a proprietary Global Atlantic problem-solving framework which opens up eight life insurance conversations you can have with business owners, covering employees, partners, family and heirs. Stay tuned in the coming weeks for all the conversations! Visit S.T.O.P. microsite.
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Founders Plus Now Offers the Goldman Sachs Voyager Index Account
PruLife Founders Plus offers a competitive, exclusive-to-Prudential, indexed account option from Goldman Sachs. We've also responded to the interest rate environment with premium updates for both Founders Plus and PruLife Essential UL. Learn more.
Legacy Advantage Lightning Presentation
Check out out client approved Lightning Presentation which helps you walk through the Legacy Advantage: An Asset Repositioning Strategy in just a few minutes. The focus is about helping clients preserve and potentially enhance their legacy.
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Building A Legacy with IRA Strategies Using Life Insurance
Many people who have been successful in saving for retirement have established a large enough nest egg to be able to leave a legacy for their children, grandchildren and favorite charities. But did you know that along with that legacy, you could also be leaving an income tax burden?
View our video and 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.
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? Learn more.
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Hear from Some of the Best in Our Industry
Check out Life Insights, our YouTube video series that shares sales, prospecting and business-building advice from peers in our industry.
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Calendar Feeling Empty?
Fill it with existing clients! North American has a set of client review materials to help as you review policy performance or determine if a sales opportunity is available.
Don’t miss Mother’s Day
Do you have clients awaiting a new member of the family and eager to celebrate their first Mother’s Day? Share this blog post from North American to help educate new moms and moms-to-be on the importance of life insurance.
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Nationwide Chronic Illness and Critical Illness Coming Soon on VUL.
We view life insurance as more than just a death benefit. That’s why we have added two benefit features via riders to help clients face the unexpected. These riders will be automatically included on most single-life policies. Read product announcement.
Show Clients the Value of Tax-free Income in Retirement
Tax rates have gone up and down over time, and there’s no reason to think that trend is going to stop. Add in the uncertain short- and long-term economic impact from the pandemic and you obviously have a more challenging time to be planning for taxes. That’s why you should regularly review retirement needs with your clients. Learn more.
Nationwide Economic Review & Outlook
Housing market thaws from February’s freeze! The jump in new home sales could be a sign of things to come for the second quarter. Read Weekly Economic Review & Outlook.
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Introducing the “Protect Gen X & Gen Y with SBLI” Sales Program
This program is designed to help you approach, attract and connect with Gen X and Gen Y prospects and optimize your business growth. Discover the many ways we can help you solve their protection gap. Visit our resource center which includes a robust set of tools, tips and tricks that can help you grow your business.
SBLI Term-At-A-Glance
SBLI Brokerage offers a complete range of guaranteed level term insurance options providing both affordable protection and adaptability to meet your clients’ varied needs. View Term-At-A-Glance.
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Get ready for Auto Lock
We’re making it even easier for your clients to receive a positive interest credit. If you’re already familiar with Index Lock, you know the benefits of being able to lock in an index value once per crediting period. Now we’re taking that feature one step further with Auto Lock. Auto Lock will be available on inforce contracts/policies that currently offer Index Lock. Read about Index Lock.
Now Insureds Will Get A Text to Help Them Complete Their PHI
New pilot program launched on April 12, 2021. APPS, our third-party vendor for completing a life insurance personal history interview (PHI), is piloting a new text feature to help make it easier for insureds to complete their PHI. A text is sent to the insured asking them to complete their PHI questionnaire by clicking a link, which makes a call directly to APPS. The program will be assessed after four months to determine the future use of the text feature.
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Buy-sell planning
Business owners are often focused on the day-to-day operation of their business, and future planning may not be top of mind. You can help ensure a smooth transition by working with them to implement a buy-sell strategy. Use this flyer to start the conversation.
Business succession
Use our Decision Grid to offer business owners a strategy for transferring their business to the right people, at the right time, for the right amount of money.
SMB resources
As businesses navigate these times, seeing and hearing what their peers are doing can be valuable. Check out Taking care of my employees.
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8 Things You Should Know About Social Security
Help your clients understand the big picture when it comes to retirement planning and Social Security. Use this Q&A with clients to guide your plan for action items as you help them plan for Social Security benefits, Medicare, and retirement.
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LTCi Income Tax Deduction Cheat Sheet
Use this flyer for a quick look at various Income Tax Deductions for tax-qualified long-term care insurance to help your clients get the most of their deductions.
Joint Life – Two Lives Covered for The Price of One
Asset Care is unique in that we offer joint life coverage under one single policy. Use this Deep Dive to show your clients the advantages of having both their LTC needs covered in one Lifetime protected policy.
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The Pros of Indemnity vs Reimbursement With Asset Based LTC
View Case Study
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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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Attention Ohio Producers - Best Interest Changes are Here
Ohio has updated the requirements around Best Interest and suitability in annuity transactions. New training will be required to be able to submit applications for any annuity products, including Asset Care annuity funding whole life. These changes for Ohio went into effect February 14, 2021. Learn more.
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Make It a Double
We all love our favorite things in doubles. How about if we doubled the IUL products available through non-medical underwriting, and doubled the face amounts from $500,000 to $1,000,000? We bet you’d like that too. Get started today
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Holistic Approach to Underwriting = Better For You And Clients
Large cases can be medically and financially complex. At North American, we go beyond just pricing the risk and we take a holistic underwriting approach. Download this flyer to learn more about submitting large cases and view case samples.
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Special Underwriting Bulletin
We are regularly assessing the COVID-19 pandemic impact on our business. As a result, we are pleased to announce the following changes effective 4/30/21. We will continue to monitor the situation, reevaluate as needed, and communicate regularly. View special report bulletin.
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Accelerated Underwriting Maximum Increases to $750,000
SBLI’s unique Accelerated Underwriting (AU) process, which is guaranteed for anyone ages 18-60 has increased its maximum face amount to $750,000 for all risk classes. Learn more.
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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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Carrier Matrix Has Been Updated with These Underwriting Enhancements
Our Guideline Enhancement Program, led by Dr. Marianne Cumming, was developed to deliver more consistent and overall better underwriting offers than ever before.
Gestational diabetes
- Preferred Select available to ages 40 and older
- Preferred available to all ages
Cannabis (marijuana) use
- Preferred and Preferred Select available under new occasional use (up to 3 times per month)
- Preferred available for experimental or intermittent use (up to 12 times a month)
- Tobacco rates apply to heavy inhalation cannabis use only
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