3 Mark Financial, Inc.

July 14, 2021

Join Carlan Snipes and Gabriela Cevallos for 

LinkedIn Producer Training

Webinar this afternoon at 3:00 pm central

Join us and learn how Pacific Life Insurance can support your business!

Who Doesn’t Like to Know About Free Stuff, New Products, Or Improved Offerings?

Read the details about free installation & administration for your own pension plan.

Meet The Needs OF Foreign National Clients

We understand the challenges that residents from foreign countries face when buying life insurance in the U.S, especially today. That’s why we’ve designed a foreign national program intended to help ease the process.  Check it out.

Sooner, Faster and Easier – Find Out How

When the tools of our electronic platform are used together, policies go in-force sooner, commissions are paid faster, and your experience with us is even easier. Watch Technology Matters.
 
Help Protect the Survival of Your Client’s Business with Business Succession Planning

Business succession and business continuation plans are so important — they help designate exactly what happens to your client’s business when he/she move on due to retirement, death, or disability. Read More.
 
Do Your Clients Know the Financial Impact of a Disabling Illness?

We are terrible at realistically estimating our personal risk of experiencing a serious illness. As a result, we are less likely to protect ourselves against the negative financial impacts from events we don’t believe will happen to us. What are the real chances? Find out...

Keeping Our Promises Well into the Future

There is a direct connection between capital, growth, and our promise. Read More.
 
Social Media Spotlight: See Where Your Clients Are Connecting

Use these posts to meet them there! 

Max Accumulator+ II IUL & 7702 Updates

Effective July 17, 2021, Max Accumulator+ II IUL will be updated to meet the new 7702 requirements, including new CVAT Corridor Factor and Guideline/7-Pay Premium Test interest rates. Get the details.

Updated Performance Insights Are Now Available

The Performance Insight pieces have been updated with information for 1st Quarter 2021. 

• VUL Protector
• SVUL Protector

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. Read more.
 
Principal Guaranteed Issue Term

Principal Guaranteed Issue Term offers a simple and affordable funding option to meet a variety of business needs. Check out the program overview.
 
SMB Resources

We’re here for you and our business clients and are excited to offer the business community the support they’re looking for while strengthening our relationships for future opportunities together. Share our Navigating business now.

Maintaining a Robust Relationship with Clients to Secure More Prospects

In support of the industry-wide campaign, #HelpProtectOurFamilies, MDRT has released an article highlighting the value of maintaining client relationships to grow your business. Read the article.
 
Help Clients and Their Families Live with Less Regret

July 17th is National ‘Could Haves’ and ‘Should Haves’ Day – a time to gather our regrets and thoughts from the past, let them go and look toward the future. It’s the perfect reminder that getting adequate life insurance coverage should never be put off until it’s too late. View all term resources.

Upcoming Protective Indexed Choice UL and ExtendCare Product Changes

Effective July 12, 2021, we will reprice our Indexed Choice UL and ExtendCare Rider products to include lower premiums in key areas and add new features. Learn more about the new features, along with our transition rules.
 
Minimize Policy Expenses to Optimize Growth Potential

Guarantees can be a great thing. But when a client is focused on accumulation, the fees and conditions that come with these assurances could restrict their growth potential. Download our flyer to see how eliminating ‘guarantee fees’ helps the accumulation potential on Strategic Objectives II VUL.

The Gift of Giving

Many grandparents would like to make substantial gifts to their grandchildren but living on a fixed income can make them difficult. With the purchase of a level payment whole life policy based on their lives, grandparents can maximize their gift and guarantee the death benefit. Get more information and download our customizable marketing piece.

Maximum Benefit Amount Increased on our GRO Rider

For all applications signed July 8th, 2021, or later, we have increased the maximum benefit amount on our Guaranteed Refund Option (GRO) rider from 50% to 80% of the specified amount.

To remain eligible for the rider, the client must continue to make their required premium payments as defined in the rider. The refund amount is now capped at 80% (instead of the previous 50%) of the policy's lowest specified amount and is reduced by any previous withdrawals and outstanding loans. 

How will Your Client’s Retirement Expense Get Paid

Help your clients plan for their retirement expenses using a Life Protection Advantage IUL policy. Learn more.
 
Help Ensure the Continuation of the Family Business with IUL

Many small business owners would like for their children to continue the family business after their death. Help these entrepreneurs imagine the fruits of their labor sustaining the next generation.

Symetra Allocation Index (AI) Strategies

Looking for an innovative approach to help your clients achieve level policy performance over the long term? Get ready for our game-changing Allocation Index (AI) Strategies (PDF).  Available with both our Accumulator and Protector IUL products. Download AI Strategies Highlights.
 
Symetra SwiftTerm

It may seem daunting to plan for tomorrow when today feels so hectic. That’s why Symetra Life Insurance Company created SwiftTerm. It’s term life insurance so easy, you can apply for it over morning coffee, and you could have coverage by your second cup.  Get the details.
 
Symetra’s High-Net-Worth Foreign National 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 do share the same life insurance needs. With Symetra’s expertise we can help you make these customers become part of your business in 2021 and beyond. Our program now also includes term insurance too. Check out out Foreign National program brochure.

Client-Friendly Content
Are you looking to grow an area of your business? Turn to North American for relevant content to share.

• Life insurance
• Planning for retirement

Make Explaining IUL Easier

Indexed universal life insurance can be a powerful part of a client’s financial plan. Turn to North American’s videos to simplify this type of product to help with client understanding during the sales process.

• What is IUL?
• How does IUL work?

Important update for Lincoln Life Insurance Solutions in the state of New York

The following life insurance products currently sold in New York will be SUSPENDED after August 13:

• Lincoln LifeElements® Level Term (2019) - 07/15/19
• Lincoln WealthAdvantage® Indexed UL
• Lincoln WealthPreserve® IUL (2017) - 02/12/18

Get complete the details.

REMINDER: Pricing improvement for Lincoln MoneyGuard® Solutions

Effective July 12, 2021, Lincoln Financial will implement pricing improvements to Lincoln MoneyGuard® III, Lincoln MoneyGuard® II and Lincoln MoneyGuard® II NY.

Pricing improvements are up to 13%, limited to certain age and benefit periods and will vary by product. Read more.

Nationwide Term + Perm Program Has Been Updated

Offer clients who have existing term life insurance policies with other carriers the opportunity to purchase a permanent Nationwide life insurance policy with no additional underwriting requirements! Access the details.

New Rates Are Here - PL Promise Term, Now Even Better

Effective 7/9/2021, Pacific Life repriced PL Promise Term to be even competitive. Check out our pricing sweet spots to help you maximize your term sales.
 
Take Another Look

With this reprice, it’s a great time to take another look at all the PL Promise Term has to offer. View our PL Promise Term Client Guide and PL Promise Term Fact Sheet.
 
We’re In It for The Long Haul

Our mission is to provide financial security through products and services that stand the test of time. For more than 150 years, Pacific Life has done just that. A life insurance policy represents a commitment to the future. The company you choose matters. Learn more about Pacific Life and our commitment to you.

Interest Rates Effective July 15

New business interest rates for the OneAmerica® Care Solutions product suite remain unchanged, effective Thursday, July 15, 2021. Get the details. 
 
The OneAmerica Difference

We create strong relationships built on commitment and support. And we want you, your clients, and their families to get that support for as long as it’s needed. Discover a combination of protection and service at OA that you won’t find anywhere else. Use this sales piece to help illustrate that difference.

Long Term Care and Chronic Illness Quick Client Questionnaire - client ready

Start the conversation with this client-approved questionnaire! 

Long-Term Care Insurance Case Monitoring Update

An increase in application submissions has caused a delay in entering LTC applications into our back-office systems and subsequently your case status appearing on Sales Professional Access (SPA). Read more.

Customize your own LYC Postcard

Start a conversation about the need for long-term care insurance by mailing our new customizable postcard.

New to Selling Long-Term Care Insurance?

We have training videos to help you jumpstart sales. Begin by learning how LTCi helps people protect retirement assets, maintain their independence and control decisions about their care. Watch now.

Take A Macro View of LTC Benefits

When considering linked-benefit options in the LTC industry, it’s important to understand how the total benefit payout — both the payout duration and the cumulative LTC amount available — for each solution would compare. Learn more!

Joint Ownership of Non-Qualified Annuities

Not only do annuities provide excellent investment vehicles, but they also provide tax-deferred growth. Learn more about the ins and outs of annuities and how you can best advise clients on them.

Do your clients know how to make the retirement savings you've helped them build last for a 30+ year retirement? And are they prepared for increased living costs? Show them how they could reposition a portion of their portfolio into fixed income annuity’s optional riders to add more certainty to their retirement strategy with one of three new income playbooks: Get your Income Playbooks.

FAQs about Lifetime Income Choice

Learn about the guaranteed living benefit rider available in select Power Series of Index Annuities.
 
Power Series of Index Annuities with Lifetime Income Choice (Max Income Option)

Use our tool to compare the retirement income generated by Max Income to that of a similar annuity product with a flat or level income withdrawal rate.
 
Try the Power Series of Index Annuities Range of Outcomes Calculator

Calculate the hypothetical range of interest outcomes that an index annuity may generate based on index annuity term, number of years of historical S&P 500 returns, and the index rate cap percentage. Visit the calculator.

3 Mark Underwriting Commentary

Don’t let your next marijuana case go up in smoke!

Preferred and Preferred Best Nonsmoker rates for recreational use as much as four time a week!

Contact your 3 Mark Sales Director for more information or call us at 888-533-6275.

Agile Underwriting+ (AU+): Fast Decisions for Fast-Paced Lives

Our non-medical underwriting process is evolving and getting a new name to better meet your needs. Agile Underwriting+ (AU+) uses the same forms and processes now in place and offers a path to policy approval with no lab work, exam, or APS. Read our Product Bulletin to learn more.

New AAS Supplement Report Now Available in WinFlex

This new report is designed to show the Chronic Illness benefits available under the Accelerated Access Solution rider and how payment of these benefits impacts policy values. Check out the report.

Automated Underwriting for Instant Decisions

When using Mutual of Omaha’s e-application for Living Promise, Term Life Express, and IUL Express you will see instant underwriting decisions and a faster underwriting process for your clients. The process is working in the background while you are completing the e-App so there is nothing for you to do but deliver the decisions to your clients. Learn more.

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. Get more information and download our customizable marketing piece.

More Enhancements to the LGA Digital Platform Effective July 7

New capabilities and changes include increased EHR ordering integration with an additional vendor, a new ability for advisors to withdraw an application, automated underwriting rules enhancements to increase exam-free eligibility and more! View the update and recap.

Mortality Credits for Non-Combustible Tobacco and Non-Tobacco Exceptions

Based on research and development and the ability to test for a marker of tobacco combustion, we can improve ratings for clients who use non-combustible tobacco, such as chewing tobacco and snuff, as well as e-cigarettes and other nicotine delivery devices. Learn more.

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. Get more information and download our customizable marketing piece.