- Call or e-mail us for a quote to obtain an application and the necessary forms. If the
Company you select does not have application download capability, call us and
we will Email an application to you. We can issue 20 year level
guaranteed premium term up to age 70, or 30 year level guaranteed premium up to age 55 for
healthy non smokers. Yes, we have special rates for non-cigarette users of nicotine
- A full range selection from minimum premium to guaranteed level premium and
death benefit for life. Guaranteed level death benefit and premium is effective
for the client who needs a guarantee for
estate planning, pension maximization, or any other need where a guaranteed
lifetime death benefit and low premium is required. It is particularly effective
for a 1035 exchange. Get all the advantages of a whole life policy for a much
lower premium. You have your choice of low or high target premium products and
some of our companies pay first year commission into the second year until the
target premium is reached. Yes, zero net interest loans are available.
- Participating and non participating plans. We have a very competitive Par
LPU98 product from an A+ company. One of our special risk companies has an excellent
par WL for agents who are more comfortable working with this product and need
a good substandard source with an A+ company.
Multiple First to
Die - An excellent
UL product for business insurance. Other insured riders up to several lives on
just one policy. It includes the ability to add and delete covered insured's
during the life of the plan to accommodate employee changes. Better than regular
First to Die policies.
- We have extremely competitive Second to Die policies Risk range from super
preferred to one uninsurable and one rated client. This product is most frequently
used for estate planning, lifetime guaranteed level premium, and death benefit
with guarantees out to age 120 are available.
- Very competitive. One of our companies has a unique approach for the smoker
and/or substandard client. The benefits are increased because of the lowered
life expectancy . There is usually about 10% greater benefit to your client.