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Product & Carrier Resources
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Carrier Overview
Key Products:
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Term (Term Life Express)
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18-70 up to 300k​
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Universal Life (Universal Life Express)
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18-70 up to 300k​
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Final Expense (Living Promise Series)
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45-85 up to 40k​
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G.I Accidental Death (Guaranteed Advantage)
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18-70 up to 500k
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Children Whole Life (Child Whole Life)
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0-17 up to 50k​
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Great For:
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Universal Life- Generally Healthy. Wants Permanent Coverage but doesn't want to pay for or wants more benefit than a Whole Life / Final Expense Plan.
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"Traditional Mortgage Protection"- The G.I AD&D benefit allows people who don't qualify for other coverage to have up to 500k if they die due to an accident.
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Child Policies- Best child WL coverage option.
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Ease of Use- Best company for issuing policies, application process etc.
Product/Brochure Links
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Carrier Overview
Key Products:
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Term (Vitality Term)
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18-70 up to 500k
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10-15-20-30 year options
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75% ROP option
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ROP can be accessed after year 4
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Great For:
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Amounts over 400k- The SI goes up to 500k
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Low-Cost S.I Term- Best rates for S.I.
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Young & don't care about critical illness living benefits
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Extra Perks- Free Fit bit, discounts to apps like headspace etc. See brochure
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*INSTANT DECISION*- Only instant decision & Issue Term.
Product/Brochure Links
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Carrier Overview
Key Products:
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Final Expense Whole Life (Accendo)
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40-89 up to 50k
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Graded Options Available
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Great For:
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Younger (40) people who may have health issues and can't get an IUL or Term.
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Individuals who have a large BMI (height/weight issues)
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Allows for diabetic depending on when and what type
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Potential for instant decision
Product/Brochure Links
![Screen Shot 2021-09-07 at 8.09.45 PM.png](https://static.wixstatic.com/media/30e6b1_78b7b2dcf54d4e8ba3731a97be68f0d7~mv2.png/v1/fill/w_391,h_110,al_c,lg_1,q_85,enc_auto/Screen%20Shot%202021-09-07%20at%208_09_45%20PM.png)
Carrier Overview
Key Products:
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Term (Term 100 or 125)
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20-75 age, 15,20,25,30 options, up to 400k​
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Term ROP (CBO 50 or CBO 100)
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20-55 age, 15,20,25,30 options, up to 400k​​
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Final Expense (Eagle Premier Series)
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Regular- 50-80 up to 30k​
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G.I- 50-85 up to 10k (3 year graded, 4th year 100%)
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HMS (Home Mortgage Series, Plans for MPI)
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Payment Protector (Term that pays monthly vs one lump sum benefit)
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20-75 age, 15,20,25,30 options, up to 400k​​
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HMS Continuation (Term insurance with whole life after term ends)
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20-65 age, 15,20,25,30 options, up to 400k​​
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Great For:
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ROP Term Product- Generally Healthy Young to middle aged. Wants living benefits
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Final Expense- Generally Healthy. Wants living benefits.
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Selling on Value- Critical Illness Rider, Whole Life after Term ends, Disability Income Rider.
Product/Brochure Links
![Screen Shot 2021-09-07 at 8.10.19 PM.png](https://static.wixstatic.com/media/30e6b1_e53b75d4b9d8419d867a3fc30503a8a0~mv2.png/v1/fill/w_220,h_130,al_c,q_85,usm_0.66_1.00_0.01,enc_auto/Screen%20Shot%202021-09-07%20at%208_10_19%20PM.png)
Carrier Overview
Key Products:
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Guaranteed Issue Final Expense Whole Life
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50-80k up to 25k
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Great For:
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People who don't qualify for other coverage.
Product/Brochure Links
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AIG GI Whole Life Flatsheet​​​
Carrier Phone Numbers
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Americo: 800-231-0801
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Mutual of Omaha: 800-867-6873
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AIG/ American General: 800-677-3311
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John Hancock: 877-606-7779
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Aetna: 866-272-6630
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Prosperity: 855-321-2755
How to determine what to write?
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Let them know you need to get info about them prior to showing product to see what they qualify for. (Customer quote worksheet)
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Check the underwriting guides/cheat-sheets
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Based upon health status, determine what they cannot qualify for. Then find out if they want term or permanent coverage.
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Present what options are available.
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Still have questions? Reach out to your manager or use the WhatsApp Hotline below.