• Whole Life, UL - Traditional Cash Value , Guaranteed Death Benefit and High Early Cash Value products
• Minimum Face - $50,000 ( UL ) or $25,000 ( WL ) ;
• Senior Life - Simplified Underwriting- final expense policies
• Issue Ages 0 - 85

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Run a Term Life Comparison Yourself

• Competitive Term w/ Many Carriers
• Quick Applications w/ several companies
• Guaranteed Level Periods ( 10, 15, 20, 25, 30 Years )
• Minimum Face - $100,000 most carriers
• Issue Ages 18 - 70 (depending upon product and state)

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• Universal or Whole Life – accumulation or guarantee products
• Minimum Face - $50,000
• Issue with one uninsurable
• Issue Ages 0-90

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• Universal Life Chassis most carriers
• Minimum Face - $50,000 ( $100,000 For Survivorship )
• Issue Ages 0 - 85 ( 20 - 85 For Survivorship )

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• Individual & Multi-Life Disability
• Simplified Underwriting (no meds or financials) up to $3500/month
• Disability Buy-Out and Overhead Expense
• Guaranteed Renewable Available
• Non Cancelable and Own Occ Definitions Available
• Many Occupations Covered ( from Blue to White Collar )

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• Partnership and Non-Partnership Plans
• Newer LifeStage type products and Life/LTC hybrid products
• Contract Types: Daily, Monthly, Indemnity
• Discounts Available:
  • Preferred Health
  • Marital & Spousal
  • Affinity Group
  • Multi Life
• Payment Options – 10 yr paid up, to age 65, and others

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• Single Premium Deferred Annuity
• Single Premium Immediate Annuity
• Flexible Premium Deferred Annuity
• Equity Index Annuity
• Guaranteed Rates ( 1 - 5 Years )
• Surrender Schedules ( 4 ,5, 7, 9 +Years )

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