Product Portfolio Single Premium Whole Life	Print version
Product Portfolio
Life Insurance Product Portfolio Company Name Product Minimum Coverage Policy Fee Niches Agent Direct Term         North American Impact Plus $100,000.00 $65.00 $2,500 limit DI rider and excellent preferred rates. 30 year term available to age 60. Life Investors Ultima Term Series $25,000.00 $80.00 Non-medical available $25,000-$100,000. Best Return of Premium rates available! Brokerage Term         Genworth Sure Term $50,000.00 $50.00 Super rates, 5 year term available, great name recognition, A+ with A. M. Best. West Coast Life Golden G Series $100,000.00 $50.00 30 year term available to age 55. Most competitive rates available on the market. Policies issued at actual age. American General LTG Ultra $250,000.00 $60.00 AAA Rated, Big face term product, Great rates and payouts. 9 Month advancement avail. Universal Life         West Coast Life Life Time Gold 120 $25,000.00 N/A Maturity Guarantee to age 120. Issues to age 90. Life Investors Insurance Company Ultima Provider 100 $50,000 age 18-50 $35,000 age 65+ N/A Guaranteed death benefit and premiums to age 100. Issued non-medical <$100,001 Indianapolis Life Crown Solution $50,000 Age 0-85 N/A Extremely competitive UL with no lapse guarantee available - very high current rate. Equity Indexed Life         Indianapolis Life Vista Advantage Ages 0-85 $100,000 N/A Lowest cost indexed UL available w/age 100 guarantees. Great large case product. Mortgage Protection         Life Investors Insurance Company Ultima Home Protector $25,000-$180,000 non-medical $60.00 Non-medical to $180,000 DI and return of premium rider available. Fastest underwriting in the business North American Home Impact Plus $35,000-$150,000 non-medical $80.00 Super low rates and liberal underwriting. Excellent commissions. AD & D Products         Assurity Life Acci-FLEX $50,000-$250,000 $45.00 Revolutionary AD&D term product, non-med, DI and ROP available. Life Investors Ultima Acci- Protector $50,000-$250,000 $45.00 Built in return of premium, 48 hour jet issue. Simplified Issue Whole Life         Columbian Life Dignified Choice $2,500 - $25,000 $34.48 Issue ages 0-85, accepts diabetics/no height or weight Americo Ultra Protector $5,000 - $30,000 Ages 55-85 $40.00 Competitive Rates and Commissions Monumental Immediate Solution $1,000 - $25,000 Ages 0-85 $42.00 Jet issue, Nursing Home Rider, Policy Fee is commissionable Impaired Risk         Fidelity Life Rapid Decision Term $50,000.00 $85.00 Excellent smoker and tobacco rates. Presidential Life GBL – Graded Benefit Life $1,000 - $50,000 Ages 40-80 $10.00 2 year grade period over 65, high face amount limit. Disability         Assurity Life Balance DI $300-$7,000 monthly Benefit pd. 2,5 or age 65. Elimin. pd. 30, 60, 90, 180, 365 day Versatile and competitive DI. Great for larger cases.
Single Premium Whole Life
Assurity Legacy Aviva Aviva North American   Estate Maximizer Keepsake 201 Treasure 201 Legacy Optimizer           Product Type Single Premium Whole Life Single Premium Universal Life Single Premium Universal Life Single Premium Universal Life           Issue Ages 0-85 Age Last Birthday 40-85 Age Last Birthday 40-85 Age Last Birthday 45-85 Age Last Birthday           Commission Double Digit - Call for Quote 8% (All Ages) 4% (All Ages) 8% (All Ages)           Minimum Premium/Face $5,000 Minimum Face $15,000 Minimum Premium $15,000 Minimum Premium $10,000 Minimum Premium           Product Features * Guaranteed Cash Value * Return of Premium Guaranteed * 4% Premium Bonus * Guaranteed Return of Premium   * Guaranteed Death Benefit * 10% Penalty Free Withdrawals which does NOT void guarantees * Guaranteed Return of Premium * Guaranteed Death Benefit assuming no loans/withdrawals   * Telephone I/V @ Time of App * Guaranteed Death Benefit * Guaranteed Death Benefit assuming no loans/withdrawals * 10% Penalty Free Withdrawals after 1st policy year   * Endows @ Age 110 * Multiple Pay Options * 10% Penalty Free Withdrawals     * Jet Issue - 72 hours                 Accelerated DB * Confined Care Rider 2% of death benefit per month * Terminal Illness for 12 months or less - up to 50% of death benefit * Terminal Illness for 12 months or less - up to 50% of death benefit * Terminal Illness for 24 months or less - up to 75% ($250,000) of death benefit   * Community Care Rider 1% of death benefit per month * Nursing Home Waiver penalty free withdrawals up to $5,000 per month out of cash value * Nursing Home Waiver penalty free withdrawals up to $5,000 per month out of cash value     * Terminal Illness 12 months or less                 Underwriting * Standard up to Table 4 - not to exceed $150,000 net amount @ risk * Standard up to Table D * Standard up to Table D * Non-Tobacco & Tobacco: simplified underwriting for issue ages up to age 80, up to $150,000 net amount @ risk   * Sub-Standard up to Table P * Sub-Standard up to Table P * Full Traditional Underwriting issue ages 81-85 or net amount at risk above $150,000     * Simplified Issue up to $100,000 net amount @ risk * Simplified Issue up to $100,000 net amount @ risk       * Fully Underwritten for over $100,000 net amount @ risk * Fully Underwritten for over $100,000 net amount @ risk             Interest Rate N/A 3% Minimum Guarantee 3% Minimum Guarantee 3% Minimum Guarantee     Call for current rates Call for current rates Call for current rates           Rating A- by AM Best A by AM Best A by AM Best A by AM Best