Ages 18-70 (15 year max age 65, 20 year max age 60, 30 year max age 50).
5, 7, 10, 15, 20 & 30 year periods or to age 80.
$5,000 - $350,000 face.
Guaranteed issue accidental death.
No health questions.
Accident only disability income rider.
Return of premium rider.
Critical accident rider.
Coverage up to age 80.
Need a health insurance license to sell.
Accepts EFT & debit/credit cards for E-app or recurring premiums.
Ages 18-70.
$50,000 to $500,000 face.
Guarantee issue accidental death.
No health questions.
Spouse & children coverage available.
ROP available.
Coverage to age 80.
Non-cancel able.
Need a health insurance license to sell.
Common Carrier and Auto/Pedestrian Benefits.
E-app available.
20 & 30-year Term for $1k with large accidental death rider included.
Ages 20 year: 51-60, 30 year: 20-50.
Minimum face amount: $101,000.
Maximum face amount: $301,000.
Accidental death options: $100k, $200k & $300k.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
E-app available.
Term with built-in Accidental Death Benefit RiderTerm is for $1,000.
Accidental Death available for $100,000, $150,000, $200,000, $250,000.
30 Year ages 20-50; 20 Year ages 51-60.
E-app available.
Does not accept debit or credit cards.
Accepts any form of payment with an account & routing number.
Pays the client for accidental injuries for hospital confinement, treatment in ER/urgent care, major diagnostic exams, follow up treatment/physical therapy.
Guaranteed issue.
Issue ages 0-63.
No deductible, waiting period or pre-existing conditions.
Doesn't coordinate with worker's comp.
E-app only.
Pays benefits for accidental injury.
3 plan options: Base, Advantage or Complete.
Benefits vary by plan option.
24-hour or off-the-job coverage.
Issue ages: 15 days - 70.
Juvenile only & family plans available.
Optional disability income rider available.
Guaranteed issue.
Guaranteed renewable to age 80.
Pays a fixed amount for expenses incurred from an accident.
Pays for Accidental Injuries; Hospital and Services & Accidental Death & Dismemberment.
Ages 18-74.
12 month pre-existing conditions.
Optional riders: Lump Sum Cancer rider, Lump Sum Heart Attack & Stroke rider, Hospital and Intensive Care Indemnity rider, Hospital Indemnity rider, Intensive Care Unit Indemnity rider and Return of Premium.
Rates guaranteed for 1 year.
Base policy is guaranteed issue, underwriting for riders.
Pays the client for accidental injuries for hospital confinement, ER, ICU, Ambulance, etc & has built in AD&D.
Optional disability riders (require some underwriting).
Guaranteed issue.
Ages 18-69.
Optional Return of premium rider.
No waiting period, deductible or pre-existing conditions.
Doesn’t coordinate with any other coverage.
Individual, individual & spouse, single parent & family plans available.
E-app or paper app.
Fixed Indexed Annuity.
Ages 18-80.
Minimum $10,000 premium.
10% immediate bonus.
16 year surrender charges.
No fee income rider & options with fee.
Fixed Indexed Annuity.
Ages 18-80.
Minimum $10,000 premium.
7% bonus vested over 10 years.
10 year surrender charges.
5% penalty-free withdrawals after 1st year.
No fee income rider & options with fee.
Fixed Indexed Annuity.
Ages 18-78.
Minimum $10,000 premium.
8% bonus vested over 14 years.
10 year surrender charges.
No fee income rider & options with fee.
Fixed Indexed Annuity.
Ages 18-80.
Minimum $10,000 premium.
No bonus.
Higher caps.
10 year surrender charges.
No fee income rider & options with fee.
Ages 18-85.
Minimum $10,000 premium.
5, 6 & 7 year fixed annuities.
Great alternative to CDs.
5, 6 & 7 year surrender charges.
No income rider available.
Ages 18-90.
Minimum $10,000 premium.
Immediate income stream.
No access to remaining lump sum deposit.
7 & 10-year contracts.
Ages 0-85.
Minimum $10,000 premium.
No bonus.
High caps for accumulation.
Index options with higher caps/participation rates for a 1% fee.
Ages 0-85.
Minimum $10,000 premium.
4-5% immediate bonus depending on state.
10 year surrender charges.
Ages 0-85.
Minimum $10,000 premium.
Various bonus.
7, 10 or 14 year surrender charges.
High caps.
Income rider at 6% for up to 10 years or 18% bonus, both with fee.
DB enhancement.
Fixed indexed annuity.
6, 8 & 10 year contracts available.
Ages 18-85 on Choice 6 & 8.
Ages 18-80 on Choice 10.
Minimum $10,000 premium.
No bonus but higher caps.
6, 8 & 10 year surrender charges.
Income rider available.
Fixed indexed annuity.
Ages 0-80.
Minimum premium is $5,000 for non-qualified, $2,000 for qualified.
10% per year surrender penalty-free withdrawals, cumulative to 50% in year 6 if no prior withdrawals.
13 year surrender charges.
2 income riders available.
Fixed Indexed annuity.
Ages 0-80.
5% premium bonus (vested 10 years).
Minimum premium is $5,000 for non-qualified, $2,000 for qualified.
10% per year surrender penalty-free withdrawals.
7 year surrender charges.
2 income riders available.
Fixed Indexed annuity.
Ages 0-80.
7% premium bonus (vested 10 years).
Minimum premium is $5,000 for non-qualified, $2,000 for qualified.
10% per year surrender penalty-free withdrawals.
10 year surrender charges.
2 income riders available.
Fixed Indexed annuity.
Ages 0-80.
9% immediate premium bonus (2% in DE, IN, IL, MA, MN, NJ, PA, UT, WA).
4.75% bonus for premiums paid years 2-5.
Minimum premium is $5,000 for non-qualified, $2,000 for qualified.
10% per year surrender penalty-free withdrawals.
15 year surrender charges (9 yrs in DE, IL, IN, MA, MN, NJ, PA, UT, WA).
2 income riders available.
Fixed annuity.
Ages 0-85 NQ, 0-75 QCD alternative.
Minimum premium is $5,000.
10% per year withdrawals starting in first year, cumulative to 50% in year 5 if no prior withdrawals.
10 year surrender charges.
Fixed annuity.
Good for clients who need to take RMDs but want to preserve some money for their family.
Ages 0-90.
Minimum premium is $5,000.
10 year surrender charges.
Lifetime income rider available at no cost.
9 year contract.
Ages 0-80.
Minimum $100/month or $5,000 lump sum premium.
Good for long-term accumulation of 11 years or more.
9-year contract.
Ages 0-75.
Minimum $100/month or $5,000 lump sum premium.
5% bonus applied to each premium received in the first 8 years.
Indexed interest added at the end of each year.
Good for accumulation of 10 years or less IF they are continually contributing & getting the 5% bonus.
Caps are low.
Fixed Indexed Annuity.
Income rider is required, with fee.
Ages 25-80.
Minimum $100/month or $5,000 lump sum premium.
9 year surrender charges.
Fixed Indexed Annuity.
Income rider, with fee - based on indexed interest.
Ages 25-75.
minimum $100/month or $5,000 lump sum premium.
9 year surrender charges.
Fixed Indexed Annuity.
Ages 35-75.
Minimum $10,000 premium.
9 years surrender charges.
2 Income rider options based on fixed & indexed interest, with cost.
Fixed Indexed Annuity.
3% immediate bonus.
Ages 0-85.
Minimum $10,000 premium.
9 years surrender charges.
No Income rider.
9-year contract.
Ages 35-85.
Minimum $10,000 premium.
Income rider required, with fee.
14% INCOME bonus (not accumulation value) with a 7% simple interest rollup.
Fixed Indexed Annuity.
Ages 35-75.
Minimum $10,000 premium.
9 years surrender charges.
2 Income rider options based on indexed interest, with cost.
5, 7, & 10-year contracts.
Ages 18-85 (18-80 on 10 year).
Minimum $5,000 premium.
Higher caps & participation rates for growth.
7 & 10-year contracts.
Ages 0-85.
Minimum $10,000 premium.
Index accounts that track domestic & international ETFs.
7, 10, & 14-year contracts.
Ages 0-90 for 7 year, ages 0-85 for 10-year, 0-90 for 14 year.
Minimum $10,000 premium.
Designed for accumulation.
Bonus version with a bonus of 5, 7, or 10% depending on product & state.
7 & 10-year contracts.
Ages 50-80 (18-80 on 10 year).
Minimum $5,000 premium.
Income riders, including one with no fee.
7% bonus to increase income on 10-year only.
10-year contract.
Ages 0-80.
Minimum $10,000 premium.
Bonus to increase income, ranging from 4.5% to 10% depending on state & age.
Income rider tied to indexed interest with fee.
10-year contract.
Ages 0-80.
Minimum $10,000 premium.
7 or 8% bonus (depending on state) to increase income.
Required income rider with fee.
Good for income in 5-10 years.
Ages 0-80.
Fixed annuity (not indexed).
Minimum $10,000 premium.
5% or 7% vested bonus (depending on state).
10 or 12 years surrender charges (depending on state).
No charge lifetime income rider.
Benefit base for INCOME rider can be based on indexed interest crediting.
Ages 0-90.
Minimum $20,000.
3, 5, & 7 yr surrender charges.
Great alternative to CDs.
3, 5, & 7 yr fixed annuities.
No income rider.
Ages 0-100.
Minimum $10,000 premium.
Immediate income stream.
No access to remaining lump sum deposit.
10-year contract.
Ages 0-80.
Minimum $15,000 premium.
Good for clients needing income in 1-3 years or 10+ years.
Large bonuses for INCOME only (not accumulation value).
Can start income in 1st year if age 50+.
Fee for income rider.
Ages 0-80.
Minimum $15,000 premium.
10 year surrender charges.
Enhanced death benefit & chronic care riders available with fee.
Income rider.
Ages 19-99.
Guaranteed Issue.
Low calendar year deductible.
Coverage for preventive, basic and major services.
Implant benefit.
Optional vision rider.
Large provider network of about 375,000 dental provider locations offered in association with the DenteMax Plus dental network.
Quoting available through Mutual of Omaha Mobile Quote app.
Ages 18-89.
Guaranteed issue.
$0 annual deductible for preventative, $50 for basic/major.
Coverage for preventative, basic & major Services.
No vision or hearing coverage.
Any provider, additional savings in Maximum Care Plus Connection network.
Credit cards are accepted.
Immediate coverage for major services.
Coverage for implants.
E-app only with voice signature authorization.
Buy-up & carry-over benefits available.
12% spousal discount.
5% discount with Med Supp & final expense coverage.
Ages 0-90.
Guaranteed issue.
$100 annual deductible.
Coverage for preventative, basic & major services.
Vision & hearing benefits included.
Choose a provider or get preferred pricing with in-network providers.
$1,000, $1,500 or $2,000 max benefit per person/year.
E-app only.
Ages 18-89.
Guaranteed issue.
$100 annual deductible.
Coverage for preventative, basic & major services.
Major services covered with no waiting period on DVH Plus plan.
Coverage for implants.
Includes vision & hearing coverage.
Any provider, preferred pricing in network.
Family plans available.
Quote on Aetna mobile quoting app (Quotes on the go).
Ages 65+.
Guaranteed issue.
$0 or $50 annual deductible.
Coverage for preventative, basic & major services.
1 year wait on Major services.
Includes vision coverage.
Any provider, those outside of plan may cost more.
Ages 0-100.
Guaranteed issue.
Annual deductible varies by plan starting at $0.
Coverage for preventative, basic & major services.
Separate plan for vision, no hearing coverage.
Both HMO & PPO plans available.
Family plans available.
Ages 18-89.
Guaranteed issue.
$0, $50 or $100 annual deductible.
Coverage for preventative, basic & major services.
1 year wait on Major services.
Includes vision & hearing coverage.
Any provider or get a discount by using Careington's Max Care PPO network.
Family plans available.
No waiting period if replacing dental coverage.
Ages 18-59.
$300 to $2,500 monthly benefit (max 60% income).
Simplified issue.
Benefit periods of 6 months, 1 or 2 years.
Elimination periods of 30, 60, 90 or 180 days.
Covers illness or injury.
Health insurance license required to sell.
Critical illness & ROP riders available.
Ages 18-60.
Up to $11,000 max depending on occupational class.
Up to $5,000 non-med.
35% benefit in first year, 70% benefit in second year.
Benefit periods of 2, 5 or 10 years.
Elimination periods of 30, 60, 90, 180 or 365 days.
Health insurance license required to sell.
Financial underwriting required.
Ages 18-60.
Up to $20,000 max depending on occupational class.
2 year own occupation definition.
Financial & occupational underwriting required.
Some non-med depending on age & amount.
Benefit periods of 1, 2, 5 or 10 years, to age 65 and to age 67.
Health insurance license required to sell.
Good for self-employed.
Various riders available.
Elimination periods of 30, 60, 90, 180 & 365 days.
Ages 18-61.
Accident only & Accident & sickness.
On & off the job coverage.
Accident & sickness up to $20k/month (up to $6k/month is simplified issue).
Accident only up to $5k/month simplified issue.
Guaranteed renewable to age 67, conditionally renewable to age 75.
Elimination periods: 30, 60, 90, 180, 365 & 730.
Benefit periods: 6 months, 1, 2, 5, 10-years (accident & sickness to age 65, 67, 70).
Lots of optional riders.
Health insurance license required to sell.
E-app only.
Ages 19-60.
Disability for accidents only if actively at work (min 25/hour/week).
Guaranteed issue for $500, $1k, $1,500, $2k & $2,500.
14, 30, 60 or 90-day elimination periods.
Max coverage is based on Annual Gross Income1 or 2-year benefit periods.
Does coordinate benefits with other DI coverage.
Terminates at age 65.
Can do list bill.
E-app only.
Ages 19-60.
Sickness & Injury coverage if actively at work (min 25/hour/week).
Guaranteed issue for $500/month.
Simplified issue for $1k, $1,500, $2k & $2,500.
14, 30, 60 or 90-day elimination periods.
Max coverage is based on Annual Gross Income1 or 2-year benefit periods.
Does coordinate benefits with other DI coverage.
Terminates at age 65.
Can do list bill.
E-app only.
Pays a benefit amount for the care and treatment of cancer.
Ages 18-99.
12 month pre-existing conditions.
Optional riders: Lump Sum Cancer rider, Lump Sum Heart Attack & Stroke rider, Hospital & ICU Indemnity rider, Hospital Indemnity rider & Return of Premium.
Rates guaranteed for 1 year.
Simplified underwriting with Rx check & phone interview for amounts over $50k.
Pays a lump sum + other benefits including hospital confinement, diagnostic testing, nursing, radiation/chemo, surgery.
4 plans to choose from.
Ages 18-85 (75 with ROP).
Optional Return of Premium rider.
Individual, individual & spouse, single parent & family plans available.
E-app or paper app.
Ages 14 days to 17 years.
$5,000 - $50,000 face.
Only 2 health questions.
Guaranteed insurability provision.
Non-tobacco rates even for cigarette smokers.
Grandparents can purchase without parents signature (except in FL & PA).
One app for up to eight children.
E-app available.
Ages 0-75.
$25,000 - $250,000 face.
Simplified issue.
Guaranteed Insurability rider available.
E-app available.
20 pay option.
Member benefits.
3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness).
Ages 15 days to 17 years.
$5,000 to $75,000 face.
Only 2 health questions.
10-pay option, as well as pay to 100.
Guaranteed insurability & Accelerated Death Benefit for terminal illness included at no cost.
Charity benefit provision.
Grandparents can purchase without parents signature.
Non-tobacco rates even for tobacco users.
One app for up to 6 children.
Ages 18-64.
$5,000 to $50,000 in benefits.
Simplified issue.
ROP death benefit if insured dies of a cause other than a covered illness.
Health insurance license required to sell.
Coverage available for Cancer, Heart/Stroke & Critical Illness.
Lifetime coverage.
Ages 0-90.
Benefit amounts from $5,000 to $100,000 ($50k max ages 64+).
Guaranteed & Simplified issue.
Critical illness covers ALS, Alzheimer's, coma, end-stage kidney failure, major organ transplant & loss of 2/6 ADLs.
Won’t ever pay for cancer if ever had cancer.
Won’t ever pay for heart attack/stroke if ever had heart attack/stroke.
E-app only.
Ages 18-79.
Benefit amounts of $10k, $15k, $20k & $25k.
Simplified issue.
Credit & debit cards accepted.
E-app.
Ages 18-90.
Benefits amounts: ages 18-65 up to $75k; ages 66-90 up to $50k.
Lifetime coverage.
Coverage for individual & children.
Additional 25% benefit for experimental treatment.
Ages 18-99.
Benefit amounts from $5,000 to $75,000.
30 day waiting period.
12 month pre-existing conditions.
Simplified underwriting.
E-app.
Health insurance license required to sell.
Coverage available for cancer, heart/stroke & critical illnesses.
Ages 18-85 (18-75 with ROP).
Guaranteed renewable.
Benefit amounts of $5k, $10k, $20k, $30k, $40k, $50k, $60k, $70k, $100k.
Simplified issue.
Optional Return of Premium rider.
Radiation/chemo rider.
Individual, individual & spouse, single parent & family plans available.
E-app or paper app.
Pays a lump sum + other benefits including hospital confinement, diagnostic testing, nursing, radiation/chemo, surgery.
4 plans to choose from.
Ages 18-85 (75 with ROP).
Optional Return of Premium rider.
Individual, individual & spouse, single parent & family plans available.
E-app or paper app.
Ages 18-89.
Benefit amounts $5k to $75k in $5k increments.
Simplified issue.
Bank account required but can pay premiums by credit card, debit card or cash at CVS stores.
E-app & paper app.
Coverage for individuals, children & families.
Coverage Options: Lifetime or Term (10, 15, 20 or 30 years).
Individual, Single Parent or Family plans.
Face amounts from $10,000 to $100,000.
Simplified underwriting.
Issue Ages: 18-64 for Critical Illness (18-54 for Term), 18-89 for Cancer, Heart Attack & Stroke.
Critical Illness covers internal cancer, malignant melanoma, heart attack, stroke, Alzheimer's, major organ transplant, blindness, coronary artery bypass surgery (25%) & coronary angioplasty (25%), deafness, kidney failure.
Not available in MT.
Health insurance license required to sell.
Ages 0-80.
$50,000+ face amount.
Ages 0-45 up to $149,999 face does NOT require a medical exam.
Non-med policies have lower caps.
Fully Underwritten.
Accelerated underwriting available ages 18-50 for face amounts $150k - $1 million MAY not have to have blood, urine, Paramed, etc. if they meet certain criteria.
Living benefits for terminal, critical & chronic illness.
Tax-free retirement income.
Will accept clients without a Social Security # (see underwriting guide for details).
E-app required for ages 0-17 & all face amounts below $250k.
Ages 0-85.
Minimum $100,000 face amount.
Fully Underwritten.
Long-term no lapse premium provides coverage guaranteed to age 85.
Living benefits for terminal & chronic illnesses.
Return of premium options (Guaranteed Refund Option).
E&O required.
Ages 0-85.
Minimum $100,000 face amount.
Fully Underwritten.
Living benefits for Terminal & Chronic illnesses.
A Long Term Care Rider to reimburse for LTC services.
Return of premiums through the Guaranteed Refund Option.
E&O required.
Ages 0-85.
Minimum $50,000 face amount.
Fully underwritten.
EZ Underwriting: ages 18-50 up to $2 million, ages 51-60 up to $1 million, ages 61-65 up to $250k MAY not have to have blood, urine, Paramed, etc. if they meet certain criteria.
Tax-free retirement.
Living Benefits for terminal illness, chronic illness, critical illness & critical injury.
Lifetime Income Benefit Rider.
Charitable Matching Gift Death Benefit Rider.
E-app available.
Ages 0-80.
Minimum $150k ages 0-45; $100k ages 46-80.
Fully underwritten.
Accelerated underwriting ages 18-50 up to $1 million MAY not have to have blood, urine, Paramed, etc. if they meet certain criteria.
Death benefit protection with some cash accumulation.
Will accept clients without a Social Security # (see underwriting guide for details).
E-app required for ages 0-17 and all face amounts of $249,999 and below.
Living benefits for terminal, critical & chronic illness (chronic not available in CA).
Ages 0-80.
$100,000+ face amount.
Fully underwritten.
Accelerated Underwriting - no blood, urine or medical exam in certain instances for ages 25-60 up to $1.5 million.
Accelerated benefit rider for terminal & chronic illness.
Tax-free retirement income.
Interest bonuses on some index allocation options.
Rate lock feature can lock in a rate of return during the year.
E&O insurance required.
Second to die IUL.
Issue ages 20-79.
Minimum face: $100,000.
Living benefits for terminal, critical & chronic illnesses.
Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & up to $1 million.
Second to die IUL.
Issue ages 20-79.
Minimum face: $100,000.
Living benefits for terminal, critical & chronic illnesses.
Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & up to $1 million.
Good for concepts like tax-free retirement.
Issue ages 0-79.
Minimum face: $25,000.
Living benefits for terminal, critical & chronic illnesses.
Accelerated underwriting (may not have to complete an exam) for $100,000 to $1 million & ages 20-55.
Ages 15 days to age 75 (age last).
Minimum death benefit of $50,000.
Competitive Fidelity Multi-factor Index 5% ER index with bonuses.
Living Benefits for terminal, critical & chronic illnesses.
Accelerated Underwriting (may qualify for non-med underwriting) for ages 18-50 up to $2 million & 51-60 up to $1 million.
SimpleSubmit E-app.
Great for tax-free retirement.
Guaranteed Universal Life.
Death benefit can be guaranteed up to age 120.
Ages 15 days to age 85 (age nearest).
Minimum $50,000 to age 70, $100k ages 71-85.
Living Benefits for terminal, critical & chronic illnesses.
Accelerated Underwriting (may qualify for non-med underwriting) for ages 18-50 up to $2 million & 51-60 up to $1 million.
SimpleSubmit E-app.
Ages 15 days to age 80 (age last).
Minimum death benefit of $100,000.
Alternative to CDs.
Early cash values with no surrender charges.
Living Benefits for terminal, critical & chronic illnesses.
Accelerated Underwriting (may qualify for non-med underwriting) for ages 18-50 up to $2 million & 51-60 up to $500,000.
SimpleSubmit E-app.
10, 15, 20 and 30-Year level term.
Ages 18-80.
$100,000+ face.
Very competitive term for higher face amounts.
Great for ages 40-60.
Convertible up to age 70.
10, 15, 20, 25 and 30-Year level term.
Ages 18-80.
$100,000+ face.
Convertible up to age 65.
Member benefits good for dependents.
3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness).
10, 15, 20 & 30-Year level term.
Ages 18-80.
$25,000 + face.
No medical exam for $25,000 - $249,999 face up to age 60, lower ages on 30-year (APS, Paramed, blood/urine, etc. may be requested).
No return of premium available.
Convertible up to age 70.
3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness).
Advanced premium options.
TOP & TOP Plus program - no medical exam required on qualifying applicants for up to $999,999.
10, 15, 20, 25 & 30-year level term & an Annual Renewable Term.
Ages 18 - 80 (age nearest).
$25,000 + face.
Convertible up to age 70.
Return of premium available.
TOP & TOP Plus program - no medical exam required on qualifying applicants for up to $999,999
10, 15, 20 & 30-year term & Annual Renewable Term.
Ages 18-75 (age nearest).
$100,000+ face amount.
Convertible after 5 yrs & up to age 70.
Living benefits for terminal, chronic & critical illnesses & critical injury.
EZ Underwriting - MAY not require Paramed.
E&O required.
E-app available.
10, 15, 20 & 30-year level term.
Ages 18-75 (10 year); 18-70 (15 year); 18-65 (20 year); 18-55 NT, 50 T (30 year).
Minimum face $100,000.
Living Benefits for terminal, critical & chronic illnesses.
Convertible up to age 75 & at least 5 years.
Accelerated Underwriting (may qualify for non-med underwriting) for ages 18-50 up to $2 million & 51-60 up to $1 million.
SimpleSubmit E-app.
15, 20 & 30-year term.
Fully underwritten with Accelerated Underwriting for ages 18-50 up to $500k & up to age 60 & $250k MAY not require a medical exam.
15-year ages 18-65, 20-year ages 18-60, 30-year ages 18-50.
Minimum $50,000.
Maximum $5 million.
Convertible.
Living benefits for terminal, critical & chronic illness.
Issue ages 0-85.
$25,000+ face amount.
Cash accumulation UL.
Member benefits good for dependents.
Can be used for tax-free retirement income.
Living benefits for terminal, chronic & critical illnesses.
E&O required.
E-app available.
Ages 0-85 (age nearest).
$50,000+ face amount.
Cash accumulation UL.
Can be used for tax-free retirement income.
Living benefits for terminal, chronic & critical illnesses & critical injury.
E&O required.
E-app available.
Non-med up to age 65 & less than $100k face.
Ages 0-80.
Minimum $10,000 face.
Cash accumulation product, interest rate bonuses after 4th policy year.
Accelerated Death Benefit for nursing home confinement.
Does not accept debit/credit/prepaid cards.
DI rider.
Does not accept debit/credit/prepaid cards.
E-app available.
Guaranteed UL with death benefit guaranteed for life, to age 90 or to age 95.
Issue ages 0-79.
Minimum face: $50,000.
Living benefits for terminal, critical & chronic illnesses.
Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & $25,000 to $1 million.
Guaranteed UL with death benefit guaranteed for life, to age 90 or to age 95.
Issue ages 0-79.
Minimum face: $50,000.
Living benefits for terminal, critical & chronic illnesses.
Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & $25,000 to $1 million.
Fixed (not indexed) UL with guaranteed minimum interest rate of 3.
Issue ages 0-85.
Minimum face: $25,000.
Living benefits for terminal, critical & chronic illnesses.
Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & $25,000 to $1 million.
Ages 0-75.
$25,000 - $250,000 face.
20-Pay option.
10 and 20-Year Term riders available.
Member benefits good for dependents.
3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness).
Ages 0-85.
$50,000+ face amount.
Participating whole life (pays dividends).
Can choose a Paid up option, such as retirement.
EZ Underwriting - no blood, urine or medical exam in certain instances for ages 18-50 up to $1 million & ages 51-60 up to $250k.
4 Living Benefit (ABR) riders available at no additional premium for terminal, chronic & critical illness & critical injury.
E-app.
E&O insurance required.
Issue ages 0-75.
Minimum face: $15k ages 0-17, $25k ages 18-75.
Living benefit for Terminal Illness.
No medical exam for ages 0-70 up to $99,999.
Saliva test for ages 18-40 up to $250,000.
Does not accept debit or credit cards.
Whole life without dividends.
Fully underwritten with Accelerated Underwriting for ages 18-50 up to $500k & up to age 60 & $250k MAY not require a medical exam.
20-pay option & lifetime pay.
Ages 0-80.
Minimum $25,000 ($10,000 ages 0-17).
Living benefits for terminal, critical & chronic illness.
Term/perm combo available.
Flexible premium deferred annuity rider with $50/month min & $25k/year max.
Guaranteed issue (no health questions).
Ages 40-80.
Graded benefit in first 2 years is ROP + 10%.
Social security number NOT required.
Face amounts available from $1,000 to $25,000.
Child/grandchild rider available for $1/month with no health questions on child.
Accepts debit & credit cards, including the SS credit card.
Guaranteed issue (no health questions).
Ages 50-80.
Graded benefit in first 2 years is ROP + 10% interest.
Face amounts $3,000 to $10,000.
Grandchild rider available.
Does not accept debit/credit cards for initial premium (can use for subsequent premiums).
No E&O needed.
Guaranteed issue (no health questions).
Ages 50-80.
Graded benefit in first 2 years is ROP + 10%.
Unique Terminal illness & Chronic illness benefits included.
Face amounts from $5,000 to $25,000.
Easy to use online quoting & E-app.
Approved in all states except ME, NY & PA.
Accepts credit cards including the Social Security Direct Express Master Card.
NOT guaranteed issue but almost, only 2 health questions (1. currently confined to bed, hospital, clinic, rest or convalescent home and 2. diagnosed or tested positive for AIDS/HIV or any disease/disorder of the immune system).
No height/weight requirement.
Graded benefit for 2 years.
Year 1: Return of premium + 4.5% interest.
Year 2: 25% of face amount.
Year 3: 100% of face amount.
Full face amount paid for accidental death all policy years.
Issue ages: 45-85 (max 75 in NY).
Face amounts: $2,500 - $15,000 (max $25,000 in NY).
Paper & E-app done through DocuSign.
E&O is not required.
Credit cards accepted for monthly premiums only.
Ages 18-70.
$50,000 to $500,000 face.
Guarantee issue accidental death.
No health questions.
Spouse & children coverage available.
ROP available.
Coverage to age 80.
Non-cancel able.
Need a health insurance license to sell.
Common Carrier and Auto/Pedestrian Benefits.
E-app available.
Ages 18-85.
Guaranteed issue for ages 60-79, others simplified issue.
Benefits amounts from $100-$600 ($25 increments).
Benefit periods of 3, 6, 7, 8, 9, 10, 21 & 31 days.
No waiting period.
Rates M/F, unismoke.
7% household discount.
E-app.
Ages 18-89.
Guaranteed issue ages 64.5 to 68, otherwise Simplified issue.
Daily benefit amounts in $10 increments with a max of $1,000/day.
Benefits periods from 3-10 or 20 days with a lifetime max of 365 days.
Unisex/unismoke rates.
E-app.
Ages 0-90.
Benefits amounts from $50-$1,000 ($50 increments).
Benefit periods of 3, 6, 10, 21, 180 & 365 days.
No waiting period.
Unisex, unismoke.
Simplified issue.
E-app only.
Ages 40-85.
Benefits amounts from $100-$750 (1 day up to $2,500).
Benefit periods of 1, 3, 4, 5, 6, 7, 8, 9, 10 & 15 days (may vary by state).
Guaranteed issue ages 64 1/2 to 68, all others simplified issue.
No waiting period.
Unisex, unismoke.
5% household discount.
E-app.
Ages 50-85.
Benefit amounts from $100 - $450 ($25 increments).
Benefit periods of 6 & 10 days.
No waiting period.
12 month pre-existing conditions.
Rates unisex/unismoke.
Simplified underwriting.
E-app.
Ages 18-69.
Benefit amounts from $1k-$5k ($1k increments) for lump sum + $100/day.
Benefit period is 1 year.
Covers pregnancy after 10-month waiting period.
Simplified issue with height/weight requirement.
Optional Return of Premium rider.
Individual, individual & spouse, single parent & family plans available.
E-app or paper app.
Helps to pay for some things Medicare doesn't pay for.
Client must be enrolled in Medicare Parts A & B.
Plans vary by client’s county and state of residency.
Carriers may not have plans available in every county/state.
AHIP is required to sell Medicare Advantage plans.
Product certification by carrier is required.
Carriers are:
Aetna
Anthem/Elevance
BrightHealth
Cigna HealthSpring
Devoted
FL Blue
Humana
Kaiser Permanente
Mutual of Omaha (PDP only)
Molina
United HealthCare
Wellcare
Helps to pay for some things Medicare doesn't pay for.
Available to those age 65 years of age and older and enrolled in Medicare A & B.
Under age 65 with Medicare Disability and enrolled in Medicare A & B (not available in every state).
Carriers may not have plans available in every state.
Plans are standardized; premiums may vary by carrier (only difference in plans can be price).
Carriers are:
ACE/Chubb
Aetna/CVS
Aflac
Anthem
Cigna
GTL
Humana
Liberty Bankers/Capitol Life
Elips/Lumico
Manhattan
Medico
Mutual of Omaha
Nassau Re
United Healthcare
Ages 18-85.
$2,500-$35,000 face.
No E&O insurance required.
Good product for cancer over 2 years ago.
E-app available.
Will accept clients without a Social Security # as long as they have a Tax ID #(TIN).
Will accept MetaBank with routing & account number.
Will NOT accept debit or credit cards, will accept a money order.
Can write E-app/paper app before receiving agent #.
Accepts NAAU course #105 AML.
Ages 45-85.
$2,000 minimum face.
$50k max face on Level plan, $20k max face on Graded plan.
Optional phone interview for point of sale underwriting decision.
No E&O insurance required.
E-app available.
Accepts Meta bank debit card/checking account as long as it's not 16 digits & does not start with a 4 or 5. Also accepts Green Dot. You must call the 800# on the back of the card to get the correct account & routing #, cannot use the card #.
Can write E-app/paper app before receiving agent #.
Accepts LIMRA AML.
Issue Ages 40-89.
$2,000 - $50,0000 face.
NO height/weight requirement.
Does NOT accept debit or credit cards.
Accelerated Death Benefit for terminal illness, Accidental Death & Child/Grandchild riders.
Do not need E&O.
Cannot write before receiving agent #.
Ages 50-85.
$2,500 - $35,000 face.
UNIQUE Everest funeral concierge program.
Does not accept debit/credit/prepaid cards.
E-app with point-of-sale underwriting decision.
Accelerated death benefit for terminal illness & nursing home confinement.
Accepts ITIN.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
Ages 0-49.
$10,000 - $35,000 face.
UNIQUE Everest funeral concierge program.
Telephone interview required for ages 40-49.
Does not accept debit/credit/prepaid cards.
Paper or E-app.
Accelerated death benefit for terminal illness & nursing home confinement.
Accepts ITIN.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
Guaranteed issue (no health questions).
Ages 40-80.
Social security number not required.
Graded benefit in first 2 years is ROP + 10%.
Face amounts available from $1,000 to $25,000.
child/grandchild rider available for $1/month with no health questions on child.
Accepts debit & credit cards, including the SS credit card.
Do not need E&O.
Cannot write before receiving agent #.
Accepts NAAU course #105 AML.
Guaranteed issue (no health questions).
Ages 50-80 (max age 85 in CA).
Graded benefit in first 2 years is ROP + 10%.
Unique Terminal illness & Chronic illness benefits included.
Face amounts from $5,000 to $25,000.
Easy to use online quoting & E-app.
Approved in all states except ME & NY.
Accepts credit cards including the Social Security Direct Express Master Card.
Do not need E&O.
Cannot write before receiving agent #.
Accepts LIMRA AML.
Ages 0-85.
$1,000 to $50,000 face.
Liberal underwriting.
Good for insulin dependent diabetics (depending on age) & COPD/emphysema.
No phone interview.
10-Pay available for full benefit plan.
No E&O insurance required.
Accepts credit cards.
Cannot write before receiving agent #.
Accepts NAAU course #105 AML.
Ages 50-85 (max age for E-app is 75).
$5,000 - $35,000 face.
Phone interview must be done at point of sale, with an underwriting decision at point of sale. Call Apptical at 866-844-9276, Mon-Fri 8:30 am to 2:00 am EST, Sat & Sun 10 am to 10 pm EST.
Member benefits.
No E&O insurance required for one year.
Does not accept debit or credit cards.
Common Carrier Accidental Death & Family Health Benefit at no cost.
Accelerated Death Benefit for terminal illness at no cost.
Can write E-app/paper app before receiving agent #.
Accepts NAAU course #105 AML.
Ages 50-90.
Only 5 health questions to qualify.
$2,500 to $20,000 (ages 40-85), $2,500 to $10,000 (ages 86-90).
Graded benefit in first 2 years: year 1 is ROP + 5% interest, year 2 is 50% of face amount.
NO height/weight requirement.
Bank draft only. Does not accept debit or credit cards.
E-app only.
E&O is not required.
Eagle Premier is simplified issue.
Eagle Guaranteed is guaranteed issue.
Ages 40-85 (80 for smoker) Premier, 50-80 Guaranteed.
$2,000 to $40,000 Premier ($10,000 Guaranteed).
Smokers receive non-smoker rates for 3 years.
E-app & Teleapp.
Does not accept debit/credit cards.
Accepts any account with a routing & account number.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
E-app has email, touch screen & text signature options.
Ages 18-80 (Preferred & Standard), 40-80 (Modified).
$3,000 to $40,000 (Preferred & Standard), $1,000 to $20,000 (Modified).
Does not accept credit or debit cards.
Can coordinate with Social Security deposits.
E-app with instant decision underwriting & NO phone interview.
Tele-app with instant decision underwriting.
Terminal & Chronic illness for Preferred & Standard only.
Ages 50-80.
$5,000 - $35,000 face (max $25k on graded).
Instant underwriting decision on all apps.
Accelerated Death Benefit for terminal illness & nursing home confinement at no cost.
E-app only.
Will accept credit cards.
Do not need E&O.
Cannot write before receiving agent #.
Ages 50-85.
Face amounts available from $2,500 to $40,000 (max $25k ages 8185).
Immediate death benefit day 1.
Social security number NOT required.
No cost Accelerated Death Benefit rider for terminal & chronic illness.
Child/grandchild rider available for $1/month with no health questions for child.
Accepts debit & credit cards including the SS credit card.
Do not need E&O.
Cannot write before receiving agent #.
Accepts NAAU course #105 AML.
Click here to quote should go to www.gwicquote.myenroller.com
Ages 55-80.
$5,000 - $35,000.
For paper apps, phone interview at point-of-sale with Apptical, call 800-737-6972, Mon-Fri 8:30 am to 2:00 am EST, Sat & Sun 10 am to 10 pm EST.
Smoker rates are for cigarette use only.
Accelerated Death Benefit for terminal illness at no cost.
Accepts Direct Express & Debit cards (no prepaid cards).
E&O is required.
E-app through Apptical LiveApp for face-to-face sales & voice signature for telesales.
Agent can write before contracted (except in AL, GA, FL, PA).
Must do their AML training.
Ages 50-85.
Face amounts available from $2,500 to $40,000 (max $25k ages 8185).
Graded benefit: 30% year 1, 70% year 2, 100% year 3.
Social security number NOT required.
Child/grandchild rider available for $1/month with no health questions for child.
Accepts debit & credit cards including the SS credit card.
Do not need E&O.
Cannot write before receiving agent #.
Accepts NAAU course #105 AML.
Click here to quote should go to www.gwicquote.myenroller.com
Almost guaranteed issue (2 health questions).
No height/weight requirement.
Graded benefit for 2 years.
Year 1: Return of premium + 4.5% interest.
Year 2: 25% of face amount.
Year 3: 100% of face amount.
Issue ages: 45-85 (50-75 in NY).
Face amounts: $2,500 - $15,000 (max $25,000 in NY).
Paper & E-app done through DocuSign.
E&O is not required.
Direct Express/Credit/Debit cards accepted for monthly premiums only (initial & ongoing).
Level, Graded & Guaranteed issue plans.
Issue ages 50-75 Preferred, 50-85 Standard & Graded, 50-80 Guaranteed issue.
Face amounts: $25k-45k Preferred, $5k-40k Standard, $5k-20k Graded, $3k-10k Guaranteed issue.
Height/weight requirement for Preferred only.
Accelerated Living Benefit for terminal illness & nursing home confinement.
Credit & debit cards are for subsequent payments only (not 1st premium).
E-app or phone app with instant underwriting.
Can write E-app/paper app before receiving agent #.
Do not need E&O.
Issue ages 45-80 Preferred & Standard, 45-75 Modified.
$5,000 - $50,000 face (depending on age) Preferred & Standard, $5,000-$25,000 (depending on age) Modified.
NO height/weight requirement.
Accelerated Living Benefit for terminal illness.
No Credit or debit cards are accepted.
Cannot write E-app before receiving agent #.
E-app only.
Do not need E&O.
Ages 18-75.
$25,000 - $300,000 face amount.
Simplified underwriting - no medical exams, blood, urine, etc.
Tax-free retirement income.
E-app available.
Living benefits for terminal, critical & chronic illness.
No E&O required.
Simplified issue, Non-medical for ages 18-50 up to $1 million & ages 51-60 up to $250,000.
Issue ages: 18-60 (age last birthday).
Minimum face amount: $25,000.
Accelerated Death Benefit Riders for Terminal, Critical & Chronic illnesses (Living Benefits).
Standard & Indexed Loans.
Persistency bonus beginning year 11.
Surrender charges for 10 years.
ALL apps must be taken face to face (no tele-sales).
E-app only.
10, 15, 20 and 30-year level term.
10 & 15 year: ages 18-75, 20 year: ages 18-60.
30 year: ages 18-50 (ROP 18-50).
$25,000 to $300,000 face.
No mortgage or life event requirement.
No cost Unemployment Waiver of Premium Rider, Residential Damage Waiver of Premium, Terminal Illness & Common Carrier Accidental Death.
No E&O insurance required.
Before Contracted, E-app available.
3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness).
Accepts Metabank checking accounts but not debit/prepaid cards.
Ask the client whether or not they signed up for a checking account..
Can write E-app/paper app before receiving agent #.
Accepts LIMRA AML.
10, 15, 20 & 30-Year Level Term.
Return of Premium available on 20 & 30-year plans.
Issue ages: 10 year ages 18-75; 15 year ages 18-70; 20 year ages 18-65, ROP ages 18-60; 30 year ages 18-55, ROP ages 18-50.
$25,000 - $500,000 face.
Convertible to age 75.
DI riders.
Accelerated Death Benefit for Terminal, nursing home & chronic illness.
Separate critical illness rider.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
Do not need E&O.
Can write paper app, not eapp, before receiving agent #.
Accepts NAAU course #105 AML.
E-app available.
Higher comp than their other term products.
10, 15, 20 and 30-year level term.
10 & 15-year ages 18-70, 20-year ages 18-65, 30-year ages 18-55.
$20,000 to $350,000 face.
No mortgage/life event requirement.
No Return of premium plans.
No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death.
Convertible.
No E&O insurance required.
E-app available.
3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness).
Will accept clients without a Social Security # as long as they have a Tax ID #(TIN).
Will accept MetaBank with routing & account number.
Will NOT accept debit or credit cards.
Can write E-app/paper app before receiving agent #.
Accepts NAAU course #105 AML.
10, 15, 20 & 30-Year level term.
10 year: ages 18-75; 15 year: ages 18-70; 20 year: ages 18-65; 30 year: ages 18-55.
$50,000 - $500,000 face.
Convertible.
DI rider & Accident only DI rider.
Accelerated Death Benefit for terminal, nursing home & chronic illness.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
E-app available.
Level term for 10, 15, 20, 25 & 30-years.
10 year ages 18-75, 15 year ages 18-70, 20 year ages 18-65, 25 year ages 18-60, 30 year ages 18-55.
$50,000 to $500,000 depending on age.
Face-to-face sales only.
Convertible.
Living benefits for terminal, critical & chronic illness.
E-app only with instant decision underwriting through Apptical LiveApp.
Accepts Direct Express & Debit cards (no prepaid cards).
Combo of 10-Year term & an annuity for accumulation.
Can be done through payroll deduction or bank draft.
Ages 0-70.
$25,000 - $300,000 face.
Accelerated Death Benefit for terminal, nursing home, chronic & critical illness.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
E-app available.
10, 15, 20, 25 and 30-Year level term.
10 year: ages 18-80, 15 year: ages 18-70, 20 year: ages 18-65 (18-60 Tobacco). 25 year: ages 18-55 (50 for Male), 30 year: ages 18-50 (45 for Male).
$50,000 - $400,000 face.
No mortgage/life event requirement.
Member benefits good for dependents.
Non-smoker rates for cigar, pipe, chewing tobacco, electronic cigarettes, patch, gum users (all except cigarettes).
No Return of premium available.
Convertible.
No E&O insurance required.
E-app available.
3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness).
Unique Charity Benefit Provision added at no additional cost. Foresters will pay an additional 1% of the face amount (up to a max of $100k payout) to a designated charity.
No cost Family Heath Benefit Rider & Common Carrier Accidental Death Rider.
Does not accept debit or credit cards.
Can write E-app/paper app before receiving agent #.
Accepts NAAU course #105 AML.
15, 20, 25 & 30-year & to age 70 decreasing term with monthly income at death.
15 year: ages 20-75; 20 year: ages 20-70; 25 year: ages 20-65; 30 year: ages 20-60; To age 70: ages 20-55.
$5,000 - $25,000 face.
Face amount varies based on monthly income chosen.
Convertible.
Accepts ITIN.
DI rider & Accident only DI rider.
Accelerated Death Benefit for terminal illness.
Does not accept debit/credit/prepaid cards.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
E-app available.
Current mortgage is required.
15, 20, 25 & 30-year term.
20, 25 & 30-year with Return of Premium.
15 year: ages 20-65; 20 year: ages 20-60; 25 year: ages 20-55; 30 year: ages 20-50.
$25,000 - $300,000 face.
Convertible.
DI rider & Accident only DI rider.
Accelerated Death Benefit for terminal illness, nursing home & chronic illness.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
E-app available with point-of-sale underwriting decision.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
10, 20 & 30-year term.
20 & 30-year with Return of Premium.
10 year: ages 18-70; 20 year: ages 18-65 (18-60 ROP); 30 year: ages 18-55 (18-50 ROP).
$25,000 - $300,000 face.
Convertible.
DI rider & Accident only DI rider.
Accelerated Death Benefit for terminal illness, nursing home & chronic illness.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
E-app available with point-of-sale underwriting decision.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
10-Year Term to age 70 (renewable in 10 year increments).
Must have affiliation with eligible groups (ex: first responder, educator, government, railroad, medical, travel, unions & spouses of these).
Ages 18-65.
Face amounts of $50k, $100, $150k & $200k.
Convertible.
DI rider & Accident only DI rider.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
E-app available.
Do not need E&O.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
10, 15, 20, 25, 30, 35 & 40-year level term.
10 year ages 18-75; 15 year ages 18-70; 20 year ages 18-65; 25 year ages 18-60; 30 year ages 18-55; 35 year ages 18-50; 40 year ages 18-45.
$25,000 to $250,000 face.
Convertible.
DI rider.
Accelerated Death benefit for terminal illness & nursing home.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
E-app available with point-of-sale underwriting.
20-Year level term then decreasing term after that (premium stays same).
Graded death benefit for 3 years.
No medical exam or height/weight requirements, only 3 health questions.
Ages 40-80.
$5,000 - $30,000.
Smokers pay same rate as non smokers.
Living Benefits for terminal illness.
Paper & E-app with Apptical phone interview for instant decision underwriting.
Accepts Direct Express & Debit cards (no prepaid cards).
E&O is required.
Agent can write before contracted (except in AL, GA, FL, PA).
Must do their AML training.
Decreasing term with death benefit paid in monthly income payments.
15, 20, 25 & 30 years and to Age 70.
$25,000 - $450,000.
Ages 20 to 75 (15 year), 70 (20 year), 65 (25 year), 60 (30 year) & 50 (to age 70).
E-app available.
Does not accept debit or credit cards.
Accepts any form of payment with an account & routing number.
E&O is required.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
Decreasing term with death benefit paid in monthly income payments.
At end of Monthly Income Death Benefit Period, death benefit will decrease to 10% & will remain level.
15, 20, 25 & 30 years and to Age 70.
$25,000 - $450,000.
Ages 20 to 60 (15 year), 55 (20 year), 50 (25 year), 45 (30 year) & 50 (to age 70).
E-app available.
Does not accept debit or credit cards.
Accepts any form of payment with an account & routing number.
E&O is required.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
15, 20, 25 & 30 years (5 year premium guarantee available).
$25,000 - $450,000.
Term 125 has 25% of base face amount for accidental death, no additional cost.
Ages 20 to 75 (15 year), 70 (20 year), 65 (25 year), 60 (30 year).
E-app available.
Does not accept debit or credit cards.
Accepts any form of payment with an account & routing number.
Living Benefits for Critical, Chronic & Terminal Illness.
E&O is required.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
Universal life that offers term with Cash Back Option (return of premium).
15, 20, 25 & 30-year Cash Back Option periods.
$25,000 - $450,000.
Ages 20 to 55 NT/47 T (15 year), 60 NT/52 T (20 year), 55 NT/50 T (25 & 30 year).
E-app available.
Does not accept debit or credit cards.
Living Benefits for Critical, Chronic & Terminal Illness.
Accepts any form of payment with an account & routing number.
E&O is required.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
Decreasing whole life for the cost of a term policy.
15, 20, 25, or 30 year level death benefit then death benefit will decrease to 10% of Level Death Benefit & will remain level.
$25,000 - $450,000.
Ages 20 to 65 (15 year), 60 (20 year), 55 (25 & 30 year).
E-app available.
Does not accept debit or credit cards.
Accepts any form of payment with an account & routing number.
Living Benefits for Critical, Chronic & Terminal Illness.
E&O is required.
Can write paper app, not E-app, before receiving agent #.
Accepts NAAU course #105 AML.
Ages 0-75.
$25,000 - $400,000 face ($10k ages 0-15).
Cash accumulation product UL with competitive interest rate.
Member benefits good for dependents.
Can be used for tax-free retirement income.
E-app available.
Ages 15-75 (age nearest, 18-75 for tobacco).
$25,000 - $500,000 face.
Cash accumulation product.
Accelerated Death Benefit for terminal illness & nursing home.
Accepts ITIN.
DI rider & Accident only DI rider.
Does not accept debit/credit/prepaid cards.
Ages 50-85.
Minimum single premium of $5,000.
POS underwriting.
Excellent way to increase money set aside to pass on to heirs tax-free.
No medical exam.
Accelerated benefit for terminal illness, nursing home & extended care (adult day care, home health).
Ages 60-80.
Minimum single premium of $5,000.
POS underwriting.
No medical exam.
Used to transfer non qualified annuities or qualified funds into life insurance to pass to heirs tax-free.
Combination of a SPIA & WL contracts.
Accelerated benefit for terminal illness, nursing home & extended care (adult day care, home health).
Ages 0-85.
Participating whole life (pays dividends).
Minimum single premium of $10k ages 0-54 and $5k ages 55-85.
No medical exam up to $700k ages 0-60 and $450k ages 61-85.
Excellent way to increase money set aside to pass on to heirs tax-free.
Accelerated benefit rider for terminal & chronic illness.
E&O insurance required.
Simplified issue with phone interview, no medical exam.
Ages 45-80.
$10,000 - $300,000 face.
Accelerated Death Benefit for terminal illness & nursing home confinement.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.
E-app available.
Combination of a whole life & annuity.
Death benefit reduces by 50% at the later of age 65 or after 5 years.
After 1st year, base premium reduces by 50% & balance goes to the annuity.
Ages 0-65.
Minimum premium $25/month.
Maximum face: $150,000.
Can do through payroll deduction or bank draft.
Disability Income & accident only DI rider.
Accelerated Death Benefit for terminal illness & nursing home confinement.
Accepts ITIN.
Does not accept debit/credit/prepaid cards.