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3 Mark's In The Loop Newsletter

3 Mark Financial, Inc.

July 21, 2021

Join Brad Coffin and Michelle Owens, J.D., CLU, ChFC, CAMS, CEBS for

Before You Met Me

Webinar this afternoon at 3:00 pm central

Reserve my seat

Learn how you can help your clients maximize taxable income in retirement and help them realize how fortunate they are to have worked with you prior to finalizing their retirement income plan.

Join us to explore these opportunities and learn how Mutual of Omaha can help.

Are Your Clients Ready to Get a Boost?!

Did you know when your client purchases a Global Atlantic life insurance policy, they automatically qualify for Wellness for Life?! Even better, there is no charge for this rider. Learn more.

Social Security: Key Retirement Plan Ages

Learn more about what you need to know about the various key retirement plan ages. Additionally, this valuable resource provides a glossary of Social Security terms that you can utilize to help educate your clients. 
 
Discover Our SPIA to Life Program

Our IRA-SPIA to Life Program can help provide value to both your clients and your practice. In this article, we’ll explore some of the details regarding who it’s for, why you might utilize this option and how it works. Find Out More.
 
Advanced Markets Alert – AMO Resources

Columbus Life provides Advanced Markets Online (AMO) on its extranet for its contracted producers. AMO provides producers with an easy way to find readable, relevant answers to complex questions in Advanced Markets. Learn More

Reintroducing a Simpler Permanent Life Insurance Solution

For clients looking for a simpler approach without compromises, BasicSecure Fixed Universal Life (FUL) is a great fit! Tune into this conversation video to freshen up on all the benefits of BasicSecure and find the right sales opportunities within your market. Read more.

Get a Head Start on Back-to-School: Get Engaged!

This step-by-step guide will help you prepare for and facilitate virtual business with current and prospective clients, both individually and within school districts. Read more.

Looking for the Right Marketing Resources? There's an eKit for That!

eKits are a great tool to have at your fingertips for specific products or concepts and feature a variety of marketing materials, such as emails, fliers, brochures, and more. Many eKits are available on the Agent Portal, but it’s recommended for you to bookmark those you use often for easy access. Bookmark these eKits for easy access to powerful marketing tools. Read more. 

Your New Destination for All Things VUL

With educational content, product highlights, and investment options and performance information all in one place, our new VUL experience can help you find the information you need. Demonstrate the advantages of variable universal life insurance for clients, guide them through specific information, or find what you need easily. Learn more.

Updated Prudential Advantage Interactive Flyer

We’ve added the following interactive experiences: The Tax Challenge tool, The Benefits of Life Insurance in Retirement Planning, The Lightning Presentation, and our new VUL Experience. Check out these latest additions!

Family Business Planning

Among business owners with a succession strategy, the most popular plan is to leave the business to family. Help family-owned businesses secure their future with a simplified planning approach. View approach brochure.

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? Share business succession in 6 steps.

Key Person Sales Idea

Employees who contribute to a business’s success are a valuable asset. And their loss could create risk and a financial burden for the business. Show owners how life insurance on key employees can help the business receive cash to recruit, train, recover from lost income. Learn more.

Important Premium Finance message from Jason Wellmann, SVP, Life Distribution

Allianz Life Insurance Company of North America continues tremendous growth in 2021, and this growth has led us to reach our Premium Finance capacity limits. Effective July 26, 2021, we will no longer be accepting traditional Premium Finance applications.

We will continue to monitor our Premium Finance capacity throughout the year to determine when new applications can be accepted.  For questions related to this change, please contact your Allianz External sales team or the Life Case Design Team at 800-950-7372.

Auto Lock is HOT – with an Average Lock Value of 11.3% for FIUL

Since we launched Auto Lock in May, we’ve made it even easier for your clients to increase their potential to receive a positive interest credit, even during volatility. Available with select index allocations, this exclusive feature complements our other FIUL insurance features, including death benefit protection.

Run an Index Lock Report

July 25th is National Parent’s Day: Help Them Protect What Matters Most

Simple, affordable protection options are more important now than ever. Legal & General America has your clients covered with low rates and a better, faster process. Personalize and share this resource with clients.

Get Ready for LIAM!

Have you heard the news? Life Happens is collaborating with award-winning singer, songwriter, producer, and humanitarian #KellyRowland as the spokesperson for this year’s Life Insurance Awareness Month (LIAM) campaign coming this September. Watch her message to the industry.

Reminder: Protective Indexed Choice UL and ExtendCare product changes

On July 12, 2021, we repriced 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 generous 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.

Symetra SwiftTerm: One easy process, three paths to success

Symetra’s SwiftTerm is affordable term life insurance protection that’s fast, easy, and online. Clients aged 20-60 can choose from terms of 10, 15, 20 and 30 years and get coverage in as little as 25 minutes with no tele-interview.  For coverage needs up to $2 million with competitive premium cost. Learn more.

Step up your sales with Symetra

Life insurance is more than just a financial safety net for loved ones.  That’s why Symetra offers a suite of product solutions for clients with a variety of financial goals while also providing prospecting clues for identifying clients who may benefit from life insurance—no matter what stage of life they’re in. Explore our flyer.

Enhanced Indexed Accounts Deliver Significant Value

Did you know that since their inception in June 2019, our Enhanced Indexed Accounts have returned positive results in every segment? Learn More.

A Winning Sales Strategy — the new “Bronze Guarantee”

Take advantage of our new “Bronze Guarantee” sales strategy on JH Illustrator to show your clients the reduced guaranteed premium that the all-new Protection VUL can offer. Learn More.

Top Reasons to Sell VUL

Take a look at the top five reasons to start selling our competitive portfolio of flexible-premium variable universal life (VUL) insurance products, offering your clients real, long-term value. Learn More.

We Hate to Be the One to Say It…

With the 4th of July now passed and retailers bringing out school supplies, it feels like summer is half over. But back to school season is a great time to share how life insurance can provide needed death benefit protection while gaining a way to help pay for a college education. Check out our client-friendly materials to help tell the story:

New York Life Insurance Product Update

The following life insurance products currently sold in New York will be suspended after August 13, 2021:

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

Get complete details..

Wealth Transfer Under the Biden Tax Plan

Andy Friedman, of The Washington Update, considers the implications of a repeal of stepped-up basis, changes Congress might make to the gift and estate tax regime, and sets out potential planning strategies for investors to consider to blunt the effects of the new rules. Read the whitepaper.

Social Security, The Choice of a Lifetime!

As your client’s approach retirement, they are likely to face a host of decisions that could significantly impact your financial future. One of the critical decisions they’ll make is filing for your Social Security benefits, a choice that plays an important role in their broader retirement income plan. Access our extensive social security resources.

Today’s Family: How to Connect with your Clients and Win in the Marketplace

The number of traditional families is declining, making way for a rise in nontraditional families and the unique financial challenges that accompany them. We’re ready to help financial professionals take a different approach. It begins with learning to recognize and understand these complex relationships. Learn more. 

Nationwide Monthly Economic Review: What's Happening and Why!

Post-pandemic boom continues but held back by supply-chain problems and workforce constraints. Read full report.

Exciting News Regarding Income Advantage IUL - 7702 & GRO Rider

Mutual of Omaha's Income Advantage IUL product is now compliant with section 7702 as of July 8, 2021. This change has dramatically increased our competitive position in the "Cash Accumulation/Income" IUL marketplace. Now is a great time to run an illustration to see what you may be missing! Learn more.

Iowa Insurance Department Product Training Requirements

All insurance producers selling Annuities, Long Term Care or Indexed products in the state of Iowa are required to complete an online continuing education course prior to solicitation of those products. Learn more.

Set Target Premium with MutualCare Solutions Software

When you are meeting with clients who have a desired premium in mind for long-term care coverage, we have a great tool to get you to that premium amount. Learn more.

Need a quote in a hurry?

Use this handy tool for a quick Term and GUL quote.

PL Promise Term Reprice—How Do We Compare?

Check out PL Promise Term competitive advantages with the 7/9 Reprice.

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! July’s edition highlights PL Promise Term Repricing and more. Read Field News.

Give The Gift of a Lifetime

Your family means the world to you. You want your grandchildren to be financially protected so they have the opportunity to enjoy life, live comfortably and worry less. You also want to make sure nothing stands in the way of their dreams, so they can have access to funds to help pay for college, start a business, see the world — even save for an emergency if life doesn’t go as planned. You can help make all of this possible — by giving the gift of a lifetime. Check out our consumer brochure.

Sales Idea - Stay Bonus Business Profile

When a business owner dies, key employees may be concerned about the future of the business and want to ensure stability. Retaining key employees can help ensure a smooth transition to new ownership, maintain business integrity and preserve the business’s value. Read Maintaining the Business After Death of an Owner and Stay Bonus.

Announcing New Care Solutions Leadership

At OneAmerica, our Care Solutions business continues to differentiate us in the marketplace and is one of the key ways we drive value for our distribution partners and the customers who depend on us. We are pleased to announce that Jeff Levin will now serve as interim leader of Care Solutions! Get more details on the exciting leadership shift.

Long-Term Care Application Tips

When underwriting your LTCi cases, our underwriters look at the total picture, including your client's health, cognitive status and lifestyle. Painting a picture is the best way to ensure your cases are issued quicker. Learn more.

In The Loop Annuities / LTC

Better “Rate” than Never

Check out our latest annuity rates.

Looking for lifetime income and a high guaranteed surrender value?

Get more information on our ASIA Plus 10 indexed annuity.

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.

Moving a loved one into a nursing home can be a stressful event.  If you're also navigating the complexities of Medicaid, the task gets even more difficult.  Learn more about Nationwide’s INCOME Promise Select, a Medicaid friendly annuity.

Fixed Index Annuities Toolkit

Designed to provide financial professionals insight into how an FIA may fit in an asset allocation portfolio and the important role that FIAs can play in providing guaranteed income for life to clients. Visit our playbook to get access to the toolkit.

Get Income Savvy

Clients can use our Income Planning Worksheet to consider their retirement and income needs.

Feel the Power

Adding Power 5 Protector to your clients’ retirement portfolios may help increase performance and provide guaranteed protection for a portion of their principle. View current rates today.

How to’s for evaluating annuity exchange or replacement

To help you better understand the requirements for documenting an annuity exchange or replacement, Watch our video showing best practices.

It can be challenging to safely grow your money when interest rates are at historical lows.  Find better returns in today’s low interest rate environment.

In The Loop Underwriting New Business

It’s Here! New Requirement for the PruFast Track Program Effective July 19th

To get more clients on their way to a faster, more convenient buying experience, all PruFast Track eligible business MUST be submitted via Prudential Xpress QuickForm Worksheet or Drop Ticket. Announcement; FAQs

Reminder: More Enhancements to The Digital Platform

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! Learn more.

SBLI Accelerated Underwriting Digital Process In Action

SBLI’s Accelerated Underwriting process is a key part of our end-to-end digital process that guarantees no face-to-face contact. Advantages include:

  • Guaranteed accelerated process for everyone
  • No fluids, no exam, ever!
  • E-sign and e-delivery

Learn more.

Go Digital with SBLI: Accelerated Underwriting Sweet Spots

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 about commonly accepted conditions for our Accelerated Underwriting Program.

If Time Is Money…

What’s 20 minutes worth to you? That’s how much time you could be saving with each application using SimpleSubmit. On average, North American’s e-app is completed 20 minutes faster than the paper application. Save time to spend more time growing your business. Learn more about our suite of digital tools.

Turn To North American for Your Large Cases

Did you know North American offers a jumbo limit of $65,000,000 to help get large cases completed faster? Learn more about our limits, tips for submitting large cases and view two sample cases.

More Protection Without Full Underwriting

Symetra’s IUL Extra Coverage Program offers clients an opportunity to purchase up to $1 million in extra Symetra Protector or Accumulator IUL coverage without full underwriting.  Download our flyer to learn more.

A Better Underwriting Journey for More of Your Clients

From substandard to preferred best, we’ve set our sails to help keep your business moving swiftly and smoothly ahead! Learn more.

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