GUARANTEED ISSUE PRODUCTS SIMPLIFIED ISSUE/NON-MED PRODUCTS
|
|
- Belinda Wood
- 5 years ago
- Views:
Transcription
1 Carrier Product Name Product Type GUARANTEED ISSUE PRODUCTS Americo Ultra Protector III $2,000 - $10,000 Mutual of Omaha/United of Omaha Classes / Issue Ages Face Limits s Benefit Highlights Year 2 = Death benefit equals return of premium plus 10% Year 3 = Death benefit equals 75% of Year 4+ = Full result of accident in the first 3 years, full will be payable.) Guaranteed Advantage Accidental Death Accidental Death $50,000 - $500,000 Insurance Guaranteed Issue There are no exclusions for health or occupation. Common Carrier Benefit: pays two times the accidental benefit Auto Pedestrian Benefit: pays an additional 25% of the accidental death benefit SIMPLIFIED ISSUE/NON-MED PRODUCTS Carrier Product Name Product Type Classes / Issue Ages Face Limits s Benefit Highlights Ultra Protector I (Non Smoker) (Smoker) $2,000 - $30,000 Full Children's Rider inal Illness Accelerated Benefit Rider Americo Ultra Protector II Ultra Protector III $2,000 - $30, $2,000 - $10,000 Year 2 = Death benefit equals the greater of return of premium plus 10% or 50% of the Year 3+ = Full result of accident in the first 2 years, full will be payable.) Year 2 = Death benefit equals return of premium plus 10% Year 3 = Death benefit equals 75% of Year 4+ = Full result of accident in the first 3 years, full will be payable.)
2 American National Available Signature ANICO Indexed UL, ANICO Executive UL, Affinity 7 WL $50,000 - $250,000 UL or WL 0-65 Exec UL - $25,000 Indexed UL - $25,000 Affinity 7 WL - $10,000 Disability Waiver of Minimum Premium Rider and Accelerated Benefits Rider are both available. Accelerated Benefit Rider - inal Illness - Critical Illness - Chronic Illness Accelerated Benefit Rider - inal Illness - Critical Illness - Chronic Illness Level / 0-80 I Ages 0 through 19 - $10,000 - $50,000 I Ages 20 through 65 - $5,000 - $50,000 I Ages 66 through 80 - Level, guaranteed benefit from the first day Assurity LifeScape Graded / Modified / I Ages 40 through 65 - $5,000 - $35,000 I Ages 66 through 80 - I Ages 40 through 80 - Reduced benefit for the first two years for non-accidental death: I Policy year one - 40% of I Policy year two - 75% of I Policy year three forward - 100% of Accidental death: 100% of from first day Reduced benefit for the first two years for non-accidental death: I Policy year one - 110% return of the annual premium I Policy year two - 220% return of the annual premium I Policy year three forward - 100% of Accidental death: 100% of from first day Limited health questions Liberal height-weight chart question determines rate Yes/no underwriting of application Non-tobacco and tobacco rates Sex distinct rates Non-illustrated product NonMed NT / T $50,000 - $350,000 Critical Illness Rider Disability Other Insured Rider Monthly Disability Income Rider Accident Only Disability Income Rider Children's Insurance Rider Acci-Flex Accidental-Only $50,000 - $250,000 Guaranteed renewable to age 75 Accident Only Disability Income Rider Rider
3 Rapid Decision Universal Life UL $50,000 - $300, $50,000 - $200, $25,000 - $100,000 Rider Dependent Child Rider $10,000 - $25,000 Fidelity Life Rapid Decision $50,000 - $300,000 $50,000 - $200,000 $25,000 - $100,000 5 year term $10,000 - $25, $25,000 - $250, $20,000 - $200, $15,000 - $100,000 Rider Dependent Child Rider Graded to equal 100% beginning 3rd year. Full death benefit if death occurs as a result of an accident $10,000 - $50, $15,000 - $250, $10,000 - $200, $10,000 - $100,000 Graded to equal 100% beginning 3rd year. Full death benefit if death occurs as a result of an accident $5,000 - $50,000 PlanRight - Level Non- Non $2,000 - $35,000 $2,000 - $15,000 Accidental Death Rider (issue ages ) PlanRight - Graded Non- Non $2,000 - $20,000 $2,000 - $10,000 Year 1-30% Year 2-70% Year 3+ - Full Death Benefit Payable Foresters PlanRight - Modified Non- $2,000 - $15,000 Years 1 & 2 - ROP plus 10% annual interest Year 3+ - Full Death Benefit Payable Lifefirst Level Non $50,000 minimum $250,000 maximum $200,000 maximum $150,000 maximum Family Health Benefit Rider First Rewards Rider Critical Illness Rider () Disabilty Income Rider (Accident & Sickness) Disability Income Rider (Accident Only) Accidental Death Rider Children's Rider Waiver of Premium Rider SMART Universal Life Universal Life Non- Juvenile 0-70 $25,000 minimum $150,000 maximum $250,000 maximum $150,000 maximum Family Health Benefit Rider Waiver of Monthly Deductions Disability Income Rider (Accident Only) Guaranteed Purchase Option Rider Accidental Death Rider Children's Rider
4 SecureLife UL 0-50* Up to $99,999* * Requires Non-Medical Only (Additional s and expanded issue ages available - subject to full underwriting) Additional Insured Benefit Rider / Rider 10/20 for Insured or Additional Insured Waiver of Monthly Deduction Waiver of Specified Premium Rider Children's Rider Golden Solution $2,500 - Max Immed = $25,000 Max Immed = $15,000 Max Immed = $15,000 Max ROP = $15,000 Immediate Death Benefit Return of Premium Death Benefit Grandchildren's Insurance Agreement inal Illness IA American Family Solution 0-49 $5,000 - Max Immed 0-39 = $35,000 Max Immed = $25,000 Max ROP = $15,000 Immediate Death Benefit Return of Premium Death Benefit Spouse Rider Agreement inal Illness Easy $25,000 or $15 mo premium (whichever is greater) - $200,000 Critical Illness Rider Disability Income Rider Death Benefit inal Illness Accidental Easy UL UL 0-75 $250,000 Disability Income Children's and Family Insurance inal Illness Accidental Death Protector Simplified Issue $3,000 - $50,000 Lafayette Life Protector Graded Death Benefit $3,000 - $25,000 Return of Premium at 10% interest for the first 3 policy years. Available only when insured fails to quality for Simplified Issue. Life of the Southwest Securre Plus Provider Index Life 0-65 $250,000 Maximum Accelerated Benefit Rider 1 - inal Accelerated Benefit Rider 1 - Chronic Accelerated Benefit Rider 1 - Critical Children's Disability Income Rider Enhanced Policy Protection Period Guaranteed Insurability Other Insured Overloan Protection Unemployment Waiver of Target Premium
5 MetLife Guarantee Level (GLT) $100,000 - $500,000 10, 15, 20 Year Express 0-80 Mutual of Omaha / United of Omaha Life Express Life Express ROP $50,000 - $400,000 Residential Damage Provision for Unemployment Provision Common Carrier Death Benefit Provision Accidental Death Benefit Dependent Children's Rider Disability Income Disability Guaranteed Advantage Accidental Death Insurance Accidental Death $50,000 - $500,000 benefit Guaranteed Issue There are no exclusions for health or occupation. Common Carrier Benefit: pays two times the accidental Auto Pedestrian Benefit: pays an additional 25% of the accidental death benefit Final Expense 0-80 $2,000 - $50,000 Builds Cash Value Policy Loans Available Transamerica Trendsetter Express $25,000 - $99, $100,000 - $ ,000 - $499, $500,000 - $999,999 10, 15, 20, 25, 30 year term Income Protection Option Children's Insurance Accidental Indemnity Monthly Disability Income Trendsetter LB (Living Benefits) 10 Year: Year: Year: Year: 30 Year: $25,000 10, 15, 20, 25, 30 year term Chronic Illness s Critical Illness s inal Illness s Children's Insurance Accidental Indemnity Monthly Disability Income
2018 Carriers At-A-Glance
2018 Carriers At-A-Glance Insurance Marketing Since 1972 for Life, DI, CI, Annuity, LTC, Life Settlements & Accident Term Coverage Carrier Product E-App /Drop Ticket Lightning Issue Term Level Benefit
More informationIssue Face Amount Limits. Certificate Fees (commissionable) Modal Factors. Underwriting Classes. Optional Riders. Expiry Date
Prepared Accidental Death Term Insurance Prepared Accidental Death Term Insurance Foresters Prepared Accidental Death Term Insurance is a simple and low cost way to help your clients protect their family
More informationACCUMULATION UL... 5 SOLUTION SERIES... 9 GUARANTEED WHOLE LIFE & FINAL EXPENSE...10
CONTENTS TRENDSETTER SERIES... 3 ACCUMULATION UL... 5 TRANSACE CV... 6 TRANSNAVIGATOR IUL... 7 SOLUTION SERIES... 9 GUARANTEED WHOLE LIFE & FINAL EXPENSE...10 TRANSAMERICA JOURNEY...11 Permanent life insurance
More informationLife Product Portfolio Features For Cenco's Brokerage Partners Revised 1/29/2018
Life Product Portfolio Features For Cenco's Brokerage Partners Revised 1/29/2018 AIG Partners Group Quality of Life Insurance (QoL) - Living Benefits on all products QoL Flex Term QoL Value+ Protector
More informationLife Crest Year % 65.00% 70.00% 75.00% Year 2-5 & Excess 1.00% 1.00% 1.00% 1.25%
Life Insurance ALLIANZ GenDex Survivor ` Ages 18-80 - Year 1 Target 57.14% 64.29% 71.43% 78.57% Year 1 Excess 0.80% 1.00% 1.00% 1.25% Years 2-10 (Target and Excess) 0.00% 0.00% 0.00% 0.00% Life Pro+ and
More informationLTC/CHRONIC CARE RIDER
Company Allianz American General AXA Rider Name LTC Accelerated Rider Accelerated Access Solution LTC Services Rider. Impairments must be. Life Pro+ IUL AG Secure Lifetime GUL II Athena UL Athena IUL Incentive
More informationLONG-TERM CARE AND CHRONIC ILLNESS RIDER DETAILS
Carrier Name AIG AIG Allianz ANICO Rider Name Accelerated Access Rider Accelerated Access Rider Accelerated Benefit Rider Accelerated Benefit Rider Type of Rider Chronic Illness Chronic Illness Chronic
More informationMutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company
Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Product Portfolio Life Insurance BROKERAGE As of April 2017 For producer use only. Not for use
More informationPAYROLL DEDUCTION TERM LIFE INSURANCE
Voluntary Payroll Deduction Insurance PAYROLL DEDUCTION TERM LIFE INSURANCE Policy Form CLI-157 Term 10 Life Insurance Policy Form CLI-142 Term 20 Life Insurance cinfin.com Form CLI-20082 (11/16) Page
More informationPAYROLL DEDUCTION WHOLE LIFE INSURANCE
Voluntary Payroll Deduction Insurance PAYROLL DEDUCTION WHOLE LIFE INSURANCE Pay to 100 and Paid Up at 65 cinfin.com Form CLI-20031 (11/16) Page 1 of 4 The Cincinnati Life Insurance Company PAYROLL DEDUCTION
More informationForesters Financial products at a glance
Foresters Financial products at a glance Designed for the middle market with medical and non-medical options You deserve a partner you can rely on Foresters Financial is an international financial services
More informationThe Long Term Care Insurance. Broker Kit. LTCI Done Right
The Long Term Care Insurance Broker Kit LTCI Done Right 1 Smart LTCI Product Options DIS partners with the nation s leading carriers to ensure you get the best product and the best price for every client.
More informationAdult Base Plan Benefits
Whole Life Colonial Life s Whole Life 1000 is an individually owned, whole life insurance plan with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit. Coverage is permanent
More informationplus Universal & Term Life Insurance Client Brochure Policy Series 295/300/ (05/17) Americo
plus Universal & Term Life Insurance Client Brochure Policy Series 295/300/395 15-100-7 (05/17) Americo Your home may be your most valuable asset... Help provide peace of mind when you and your family
More informationTerm Conversion. To help avoid delays and ensure cases are processed as quickly as possible, please keep this information in mind.
Term Conversion TERM TO PERMANENT CONVERSIONS Term life insurance can provide level premium protection for a client s loved ones over a specified period of time. However, it may not be the best permanent
More informationAvailable for the employee, spouse and juvenile. Two Plan Options
Universal Life Colonial Life s Universal Life 1000 is a flexible premium, adjustable death benefit life insurance plan that accumulates cash value, based on current interest rates. Employees can purchase
More informationPresented by: Amy Johnson, Senior Account Executive February16, (07/10) Americo For agent use only. Not for public use.
Presented by: Amy Johnson, Senior Account Executive February16, 2011 09-009-1 (07/10) Americo For agent use only. Not for public use. 1 Today s Agenda Product Review Home Mortgage Series LifeCrest Index
More informationTerm Conversion Quick Guide
AIG Select-a-Term 10, 15 through 30 year Earlier of level term period or attained age 70 Years 1-10 full portfolio (10yr: yrs 1-8); Years 11+ limited to AG Extend IUL & Elite WL (10yr: yrs 9-10) American
More informationCOMMISSION SCHEDULE. Commission 04016E (16-08)
Commission Schedule 04016E (16-08) Life Insurance Pace COMMISSION SCHEDULE Excess Commissionable Premium* 1 st Year - betweeen 0% and 200% 5% 1 st Year - above 200% 1.5% Premium Deposit 2 nd - 5 th Year
More informationUniversal Life Product Description
Universal Life Product Description Product Description: (2011) is a single life universal life product with Indexed Options. It was designed for clients looking for permanent life insurance with the potential
More informationP A C E S P I TOP PICKS Technology Parkway, Ste 200 Cedar Falls, IA
P I P A C L I F E S TOP PICKS 2018 www.pipaclife.com 1304 Technology Parkway, Ste 200 Cedar Falls, IA 50613 866.452.3670 319.268.7300 Table of Contents Life Insurance Whole Life... 3 Index Universal Life...
More informationAmeritas Life. Preferred Non Tobacco Preferred Plus Preferred Nontobacco Preferred NT. Ages 0-85 Nontobacco Ages Standard 1.50% 1.
ompany Product AG Secure Survivor GUL II Excel LifeValue SUL Athena SUL IV lassifications Preferred Plus NT Standard n Tobacco Standard Tobacco Ages 20-80 Ages 20-90 Preferred n Tobacco Preferred Plus
More informationLTC AND CHRONIC ILLNESS RIDER DETAILS
Carrier Name AIG AIG Allianz ANICO Accelerated Access Rider Accelerated Access Rider LTC Accelerated Benefit Rider Accelerated Benefit Rider Chronic/Critical Chronic/Critical LTC Chronic / Critical Illness
More informationAmeritas Life. Preferred Non Tobacco Preferred Plus Preferred Nontobacco Preferred NT. Standard Tobacco Ages Ages 20-90
Product AG Secure Survivor GUL II Excel LifeValue SUL Athena SUL IV lassifications Preferred Plus NT Standard n Tobacco Standard Tobacco Ages 20-80 Ages 20-90 Preferred n Tobacco Preferred Plus Preferred
More informationbenefit UNIVERSAL LIFE
benefi UNIVERSAL LIFE ul f r o m For nt/broker Use Only s ( Last Birthday) product specifications Standard ( s ) Nonobacco User ( s ) obacco User ( s ) Minimum $, Modal Factors Semiannual. Quarterly. Monthly
More informationî Three products to fit each client s situation î Guaranteed coverage 1,2 î Guaranteed level premiums î Simple application process
Agent Guide Policy Series 281/282/283 î Three products to fit each client s situation î Guaranteed coverage 1,2 î Guaranteed level premiums î Simple application process For agent use only. Not for public
More informationCommission Schedule DFSIN DFSI MGA Effective on January 1 st, 2017 SALES COMPENSATION FOR REPRESENTATIVE USE ONLY
SALES COMPENSATION FOR REPRESENTATIVE USE ONLY Commission Schedule DFSIN DFSI MGA Click on the section to consult it: Traditional Life Insurance Critical Illness Insurance Disability Insurance Long-Term
More informationImmediate Solution, 10 Pay Solution & Easy Solution
Immediate Solution, 10 Pay Solution & Easy Solution Product Overview 84586 _TLIC_TPLIC_TFLIC 0914 DID YOU KNOW... Many Americans believe that Social Security will pay for their final expense needs, however,
More informationPERMANENT LIFE. Product Features Issue Ages Riders & Surrender Charges. 15 Days - 15 Yrs Band 2 $25,000 - $99,999 Juvenile Application
Products At A Glance Sagicor Life Insurance Company ( Sagicor ) is a full-service life insurance company that helps clients make wise financial decisions today to ensure that they are protected tomorrow.
More informationLinked Benefits/Combo Products Key Differences UL & IUL Products
Carrier & Accordia Life Access Available on all permanent products $100,000 minimum face amount. The eligible amount is the cash value plus a percentage of the net amount at risk. The percentage increases
More informationFOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
At a Glance A Quick Overview of Our Complete Product Line 221NM FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES. 11-18 AT A GLANCE: THE QUICK WAY TO GET AN OVERVIEW OF NORTH AMERICAN
More informationCARRIER PRODUCT AND UNDERWRITING NICHES
CARRIER PRODUCT AND Lifetime Foundation IUL which provides lifetime guarantees (DB drops to 50% around LE) / Solid cash build on the non Guaranteed side and COIs drop off at age 95 which allow the DB on
More informationLTC AND CHRONIC ILLNESS RIDER DETAILS
AIG AIG Allianz ANICO Assurity Life Accelerated Access Rider Accelerated Access Rider LTC Accelerated Benefit Rider Accelerated Benefit Rider Accelerated DB - LTC/Home Care Option Chronic/Critical Chronic/Critical
More informationForesters Strong Foundation Simplified Issue Term Insurance
Special offer extended by popular demand Foresters Strong Foundation Simplified Issue Term Insurance Now available up to $350,000 Available through to age 55 No exams, no fluids, no APS, no routine PHIs
More informationWORCESTER POLYTECHNIC INSTITUTE
How much it will cost WORCESTER POLYTECHNIC INSTITUTE All Employees Issued by The Prudential Insurance Company of America Effective: 01/01/2016 Employee - Optional Term Life Coverage is available in increments
More informationî Three products to fit each client s situation î Guaranteed coverage 1 î Guaranteed level premiums î Simple application process
Agent Guide Policy Series 281/283 î Three products to fit each client s situation î Guaranteed coverage 1 î Guaranteed level premiums î Simple application process For agent use only. Not for public use.
More informationLife with Long-Term Care and Chronic Illness Riders
Life with Long-Term Care and Chronic Illness Riders Given the recent modernization of long-term care coverage it is important that insurance professionals can distinguish and understand the multiple options
More informationPRODUCT PRESENTATION. (Entire presentation is for agent training only. Not to be use as a consumer presentation)
(Entire presentation is for agent training only. Not to be use as a consumer presentation) Where Great Service is Always Available! PRODUCT PRESENTATION Protecting individuals, families and businesses
More informationWhat does life insurance mean?
What does life insurance mean? It s a protection against financial loss resulting from death. It is am insurance company s promise to pay your beneficiary a specific amount of money when you die in exchange
More informationBLET/CSXT Eastern Lines GCA - Members
BENEFIT HIGHLIGHTS ILLUSTRATION BLET/CSXT Eastern Lines GCA - Members Group Plan Benefits Life, AD&D, STD, LTD Railroad Retirement and Social Security Benefits fall short of giving you and your family
More informationBenefit claims: Matrix & Legacy
Benefit claims: Matrix & Legacy 1 January 2017-31 December 2017 Summary: Benefit claims Disability claims Admit 369 85.22% R 231,352,985.52 Decline 64 14.78% R 43,593,957.53 Total 433 100.00% R 274,946,943.05
More informationGuide to Reading the Flexible Choice Whole Life Annual Statement
Guide to Reading the Flexible Choice Whole Life Annual Statement Flexible Choice Whole Life combines the valuable guarantees of whole life insurance with the flexibility to meet your evolving needs and
More informationA FIELD GUIDE TO TRANSAMERICA S TRENDSETTER LB
A FIELD GUIDE TO TRANSAMERICA S TRENDSETTER LB 2 TRENDSETTER LB A TERM LIFE INSURANCE POLICY WITH LIVING BENEFITS Most people buy life insurance to leave a financial legacy for those left behind, but what
More informationSeries. Rate Book and Product Guide. Term Life Insurance with Guaranteed Level Premiums C10, C15, C20, C25, & C30
C Series SM Rate Book and Product Guide C10, C15, C20, C25, & C30 Term Life Insurance with Guaranteed Level Premiums M-0024 (12/01/05) Policy Form #051131700 or #0411317WY For nt Use Only. Not For Consumer
More informationUniversal & Term Life Insurance Client Brochure Policy Series 297/302/397
Universal & Term Life Insurance Client Brochure Policy Series 297/302/397 15-100-3 (05/17) Americo Your home may be your most valuable asset... Help provide peace of mind when you and your family need
More informationUL UNIVERSAL LIFE INSURANCE Producer Guide. Protective Advantage Choice
Protective Advantage Choice SM UL UNIVERSAL LIFE INSURANCE Producer Guide PLAG.3459 (01.15) Your clients financial situations and personal goals are unique to them. Helping them select the right policy
More informationî Three products to fit each client s situation î Guaranteed coverage 1 î Guaranteed level premiums î Simple application process
Effective November 2010 Rate reduction on Ultra Protector I $40 Policy fee now commissionable on Ultra Protector I & II Agent Guide Policy Series 281/282/283/284 î Three products to fit each client s situation
More informationRiders to Enhance Coverage for Yourself and Your Family
Accumulation Builder Select Indexed Universal Life Riders This information complements, and therefore, must be accompanied by the Accumulation Builder Select IUL Brochure Riders to Enhance Coverage for
More informationSignature Term Life Insurance Series
Signature Term Life Insurance Series Every day your life revolves around providing for your family and protecting their way of life. The need for financial protection for your family and/or business is
More informationSummary of Benefits SUNRUN, INC.
Summary of Benefits SUNRUN, INC. US Active Full Time Employees Basic Term Life, Basic Accidental Death & Dismemberment, Optional Term Life, Dependent Term Life, Optional Accidental Death & Dismemberment,
More information4195 For producer use only. Not for use with the general public.
YOUR LIFE CAN T GO ACCORDING TO PLAN IF YOU HAVE NO PLAN. Products At A Glance Sagicor Life Insurance Company ( Sagicor ) is a full-service life insurance company that helps clients make wise financial
More informationForesters Smart Producer Guide
Foresters Smart Producer Guide Universal Life Insurance This guide is intended to answer your questions, provide ideas to help you sell Foresters Smart Universal Life Insurance and is for information purposes
More informationBenefit claims: Matrix & Legacy
Benefit claims: Matrix & Legacy 1 January 2017-31 May 2017 Summary: Benefit claims Disability claims Admit 157 89.20% R 114,247,482.66 Decline 19 10.80% R 10,273,325.49 Total 176 100.00% R 124,520,808.15
More informationHUB Financial Inc. Universal Life. Carrier Hot Buttons
Universal Life 1. Q. My client likes the idea of Universal Life (UL), but is concerned about surrender charges. Is there a product with no surrender charges? A. a) Empire Life Trilogy, b) Manulife Financial
More informationCARRIER PRODUCT AND UNDERWRITING NICHES
CARRIER PRODUCT AND Elite Global Plus Elite Survivor Index II Max Accumulator+ IUL Secure Lifetime GUL 3 Secure Survivor GULII Select-a-Term Value+ Protector IUL Lifestyle Income Solution / Asset Protector
More informationBLET Long Island Railroad Group Plan Benefits Life, AD&D, STD, LTD (Underwritten by Aetna)
BENEFIT HIGHLIGHTS ILLUSTRATION BLET Long Island Railroad Group Plan Benefits Life, AD&D, STD, LTD (Underwritten by Aetna) Railroad Retirement Benefits fall short of giving you and your family complete
More informationî Three products to fit each client s situation î Guaranteed coverage 1 î Guaranteed level premiums î Simple application process
Agent Guide Policy Series 281/282/283/284 î Three products to fit each client s situation î Guaranteed coverage 1 î Guaranteed level premiums î Simple application process For agent use only. Not for public
More informationLifetime Benefit Universal Life
Lifetime Benefit Universal Life UL f r o m For nt/broker Use Only PRODUC SPECIFICAIONS Individual s ( Last Birthday) ( s ) Nontobacco User ( s ) obacco User ( s ) Minimum Size Band $,$, Band $, and above
More informationForesters SMART Producer Guide
Foresters SMART Producer Guide Universal Life Insurance This guide is intended to answer your questions, provide ideas to help you sell Foresters SMART Universal Life Insurance and is for information purposes
More informationUnum Whole Life Plan
Whole Life Insurance Some features listed below may be applicable only to certain quotes and/or classes. Please see the "Plan Description" section of your Benefits Summary for specific plan details. Enrollment
More informationterm life express 15, 20, 30
United of Omaha Life Insurance Company A Mutual of Omaha Company term life express 15, 20, 30 life insurance to help protect your home and lifestyle lc6587 you have a family, you have a home, you want
More informationAdvantage Plus Whole Life Insurance Non-Med
Presents Advantage Plus Whole Life Insurance Non-Med For Producer/Advisor use only. Not for use with the public 414928C US (8/17) Agenda Advantage Plus goes here Opportunity Product highlights Sales strategies
More informationOptional Riders and Endorsements. Reference Guide
Optional Riders and Endorsements Reference Guide Customize Your Coverage Because every family and business situation can be unique, Protective Life has designed its policies for maximum flexibility. But
More informationProducer Guide. For Producer Use Only. Flexible Choice SM Whole Life for Individuals, Families and Business Owners
Producer Guide For Producer Use Only Flexible Choice SM Whole Life for Individuals, Families and Business Owners Table of Contents Delivering Life s Possibilities with Flexible Choice Whole Life 2 Policy
More informationUniversal Life Insurance source list
Allianz Life 800-950-7372 www.allianzlife.com Allianz Life Pro+ except MD, MA, NJ,, OR, PA, TX, VT, VA, WA Annual, semi-annual, quarterly, monthly, 10 years if minimum funding requirement has been met
More informationNationwide YourLife No-Lapse Guarantee UL. Advisor guide. Quality protection at a good value
Nationwide YourLife No-Lapse Guarantee UL Advisor guide Quality protection at a good value 2 Now more than ever, your clients are looking for sound, economical solutions as they plan for the future. That
More informationUNDERWRITING GUIDELINES
Whole Life UNDERWRITING GUIDELINES LifeScape For Agent use only. Product availability, rates and features vary by state. 16-163-01111 (Rev. 7/10) Underwriting and Limits Whole Life Underwriting Guidelines
More informationNationwide YourLife Indexed UL Protector. Client guide. Protect your future with confidence. Affordable protection plus growth potential.
Nationwide YourLife Indexed UL Protector Client guide Protect your future with confidence. Affordable protection plus growth potential. Before we get started Be sure to choose a product that meets long-term
More informationBenefits and Riders. from American National Insurance Company and American National Life Insurance Company of New York
Benefits and Riders from Insurance Company and Life Insurance Company of New York Page 2 CUSTOMIZE your life insurance with a variety of riders designed to meet your life needs. Riders Included for No
More informationOffering numerous innovative features that help meet your clients needs throughout their life journey
Max Accumulator+ Index Universal Life Insurance FINANCIAL PROFESSIONALS GUIDE A powerful life insurance solution that can provide a route to cash value accumulation and tax-free income potential GROWTH
More informationAG ROP Select-a-Term Level-premium endowment term insurance
AG ROP Select-a-Term Level-premium endowment term insurance Pricing effective April 26, 2010 Policies issued by: American General Life Insurance Company The United States Life Insurance Company in the
More informationLifeCrest SI. All Non-med, Simplified Issue 1 15-year no-lapse guarantee 2 Issued Standard through Table 6 Death benefits from $25,000 to $400,000
LifeCrest SI Simplified Issue Life Insurance Agent Guide Policy Series 405 All Non-med, Simplified Issue 1 15-year no-lapse guarantee 2 Issued Standard through Table 6 Death benefits from $25,000 to $400,000
More informationCARRIER PRODUCT AND UNDERWRITING NICHES
CARRIER PRODUCT AND Elite Global Plus Elite Survivor Index II Max Accumulator+ IUL Secure Lifetime GUL 3 Secure Survivor GULII Select-a-Term Value+ Protector IUL Lifestyle Income Solution / Asset Protector
More informationSecureLife Universal Life Insurance AGENT GUIDE FOR AGENT USE ONLY NOT FOR PUBLIC USE
AGENT GUIDE SecureLife Universal Life Insurance Flexible Premium, Adjustable Death Benefit Universal Life Insurance With No-Lapse Guarantee Provision FOR AGENT USE ONLY NOT FOR PUBLIC USE SECURELIFE: AN
More informationThis is a non-participating whole life policy with a level death benefit. All premiums, values and benefits are guaranteed.
At A Glance Non-Participating Whole Life This is a non-participating whole life policy with a level death benefit. All premiums, values and benefits are guaranteed. Markets Protective Non-Participating
More informationADDvantage Term Life Insurance
ADDvantage Term Life Insurance Marketing Guide Table of Contents Marketing ADDvantage... 3 Product Specifications... 4 Minimum Face Amount... 4 Issue Ages and Underwriting Classes... 4 Rate Bands... 4
More informationCustom GrowthCV. Universal Life Insurance for Financial Protection and Cash Accumulation. Marketing Guide
Custom GrowthCV Universal Life Insurance for Financial Protection and Cash Accumulation Marketing Guide Marketing Custom GrowthCV Helping your clients grow and protect their assets will enable them to
More informationLife Product Comparison Guide
LIFE INSURANCE Life Product Comparison Guide n Allstate Basic Term SM n Allstate TrueFit n Allstate Tribute n Advantage n Allstate Bridge UL n Allstate Lifetime UL n Allstate FutureBuilder UL n Allstate
More informationFG Life-Elite. Product Guide. Fixed Indexed Universal Life Insurance. For Producer Use Only Not For Use With The General Public
Product Guide FG Life-Elite Fixed Indexed Universal Life Insurance For Producer Use Only Not For Use With The General Public ADV 1312 (09-2012) Rev. 06-2014 14-369 FG Life-Elite Fixed Indexed Universal
More informationProduct Guide. Strong Foundation Your Term Level Term Life Insurance
Product Guide This guide is for information purposes only and is intended to answer your questions and provide ideas to help you sell Strong Foundation and Your Term. Check Foresters Financial producer
More informationAGENT S GUIDE TO UNIVERSAL LIFE INSURANCE
The Cincinnati Life Insurance Company Life Insurance AGENT S GUIDE TO UNIVERSAL LIFE INSURANCE LifeHorizons Simplicity UL* Policy Form CLI-137 Table of Contents Introduction... 1 Product features... 2
More informationProduct and Underwriting Reference Guide
Product and Underwriting Reference Guide 3-2017 UPDATE TABLE OF CONTENTS Life Product Guides Term Life... Pg. 1-4 Universal Life... Pg. 5-8 Whole Life...Pg. 9-12 Worksite Sensible Benefits...Pg. 13-16
More informationOpportunity Interview Experienced Representative. For Agent Use Only. Not for Public Distribution.
Opportunity Interview Experienced Representative Opportunity Interview Overview During this presentation, I will share with you information about: Transamerica Agency Network Strategy Map Our Company Support
More informationQoL. Product Comparison Guide. QoL Index Plus II QoL Guarantee Plus QoL Performer Plus QoL Flex Term
Product Comparison Guide QoL Index Plus II QoL Guarantee Plus QoL Performer Plus QoL Flex Term QoL For Financial Professional use only Not for public distribution. Quality of Life Insurance Product Comparison
More informationMarketing Guide Benefit Universal Life UL6
Marketing Guide Benefit Universal Life UL6 F8108, Rev. 3-11 Table of Contents Benefit UL6 - Universal Life Insurance Policy... 3 Target Markets... 4 Bi-Weekly Benefit Plan... 4 Pension Maximization...
More informationBenefit Summary Highlights for San Antonio Independent School District. Underwritten by Aetna Life Insurance Company Long Term Disability Insurance
Benefit Summary Highlights for San Antonio Independent School District Underwritten by Aetna Life Insurance Company Long Term Disability Insurance Eligibility: All active full time employees working 30
More informationProduct Guide. Final Expense
Product Guide This guide is intended to answer your questions and provide ideas to help you sell Foresters PlanRight. The information contained in the Product Guide is intended for information purposes
More informationTRENDSETTER LB (LIVING BENEFITS)
TRENDSETTER LB (LIVING BENEFITS) FREQUENTLY ASKED QUESTIONS TABLE OF CONTENTS Why do I need Living Benefits?...1 What are Living Benefits on a Life Insurance Policy and Accelerated Death Benefits?... How
More informationFor Producer Use Only
Foresters Financial and Foresters are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. For
More informationAG Select-a-Term Level-premium term insurance with 17 term periods
Producer Guide AG Select-a-Term Level-premium term insurance with 17 term periods Level-Premium Term Insurance with 10-, 15-, 16-, 17-, 18-, 19-, 20-, 21-, 22-, 23-, 24-, 25-, 26-, 27-, 28-, 29- and 30-
More informationMetLife Promise Whole Life Portfolio
UFS MetLife Promise Whole Life Portfolio No-Lapse UL Alternative [Presenter Name] 1 Whole Life Positioning MetLife Promise Whole Life 120 SM MetLife Promise Whole Life SM MetLife Promise Whole Life Select
More informationVoluntary Term Life Insurance
Voluntary Term Life Insurance We ve Got You Covered As an active employee of Ulteig Engineers, Inc., you have access to a life insurance policy from United of Omaha Life Insurance Company. It replaces
More informationWelcome to Underwriting Specialists Inc.
USI AGENT INTRODUCTION Welcome to Underwriting Specialists Inc. USI Service Standards USI Dedicated Service Team Life Quote Request Form Additional Quote Request Forms: Long Term Care, Disability & Annuities
More informationCARRIER PRODUCT AND UNDERWRITING NICHES
CARRIER PRODUCT AND AG Secure Lifetime GUL 3 AG Secure Survivor GULII Elite Global Plus Elite Survivor Index II Max Accumulator+ IUL Value+ Protector IUL Term s Lifestyle Income Solution / Asset Protector
More informationAdvantage Plus Whole Life Insurance Medically Underwritten
Presents Advantage Plus Whole Life Insurance Medically Underwritten For Producer/Advisor use only. Not for use with the public 414928B US (8/17) Agenda Advantage Plus goes here Opportunity Product highlights
More informationVoluntary Term Life Insurance FOR EMPLOYEES OF PALFINGER NORTH AMERICA
Voluntary Term Life Insurance FOR EMPLOYEES OF PALFINGER NORTH AMERICA ELIGIBILITY - ALL ELIGIBLE EMPLOYEES Eligibility Requirement You must be actively working a minimum of 30 hours per week to be eligible
More informationNationwide Marathon Indexed UL. Client guide. Find balance in life
Nationwide Marathon Indexed UL Client guide Find balance in life Before we get started Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change for
More informationBIG UL and Lifefirst Software Illustration User Guide
BIG UL and Lifefirst Software Illustration User Guide Page 1 of 19 Contents Getting Started... 3 Web version...3 Desktop Version...3 Minimum Download Requirements...3 Arrows...4 Tabs...4 Setting your System
More informationREQUEST FOR PROPOSAL. For State Approval Matrixes or Supply Orders: ID: nwb, Password: protector
NATIONAL WORKSITE BENEFITS 1035 West Glen Oaks Lane, Suite 200 - Mequon, WI 53092 Phone: (800) 840-4692 - Fax: (262) 241-6106 - www.nationalworksite.com REQUEST FOR PROPOSAL For State Approval Matrixes
More informationPrincipal Universal Life Provider Edge SM SALES GUIDE
Principal Universal Life Provider Edge SM SALES GUIDE LOW-COST PROTECTION AND MORE SEE INSIDE FOR: XX Product features & highlights XX Sales applications XX Competitive insights XX Product positioning
More information