Level Term Insurance: Our term portfolio consists of ART, 5,10- 30 & 35 year level term plans. Customize a level term plan to meet your clients needs. Face amounts as low as $25,000 to bands starting at 1 million. Depending on company, a variety of riders are available: Child Rider, Spousal Rider, Disability Income Rider, Accidental Death and Waiver of Premium.
Simplified Issue Term: No Medical Exam, only 4 health questions to determine insurability, Term, ROP Term or Term with Critical Illness Options. Issues ages 18-60, 20 year term ages 18-55/15 year term for ages 56-60. Benefit amounts $25,000 to $250,000.
Return of Premium Term: is available in 15 year and 20-35 year options.
Whole Life: with face amounts of $10,000 and up. 5, 10 and 20 pay Whole Life plans ideal for estate planning and juvenile coverage. Cover your clients long term and short term needs with Whole Life plan and a 20 year term rider.
Single Premium Whole Life: Excellent for estate planning, CD alternative, Children's coverage, Annuity Alternative, Charitable Giving and Equity Transfer. Return of Premium Rider Option for flexibility and peace of mind.
Simplified Issue Whole Life Plans: for individuals with health conditions or those needed a final expense plan or additional coverage.
Graded Death Whole Life Plan: offers deferred coverage to individuals with serious health impairments. No physicals on Simplified or Graded Plans, issue ages 0-90.
Universal Life: Multiple Flexible plans range from $10,000 face value with 4% guaranteed interest. $100,000 minimum plans with 3.0% guaranteed interest. Multiple Riders and options available. No Lapse Premium option to guarantee coverage to age 121! Second to Die Universal Life provides an excellent solution for wealth preservation and estate planning needs.
Annuities: A great way to grow monies tax-deferred and with guaranteed interest. Plans include 4,5,6,7,9 and 10 year penalty for withdrawal. 10% minimum penalty free withdrawal option. Indexed and Fixed annuity options. Flexible premium plans start with as little premium as $20 / month. Excellent features such as: Nursing home/disability waiver, penalty free withdrawals, guaranteed interest and annuitization options. IRA, Roth, SEP, SIMLE and 401K rollovers available. SPDA's issued thru age 100.
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We have multiple underwriting companies, so let us shop the market for your client.
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