If your prospect can honestly answer ‘No’ to 3 simple health questions, they can qualify for a plan that could pay 50% of the death benefit in Year 2!
- Issue ages 18 to 90…..we have seen other carriers with graded benefit or guaranteed issue, limit their issue ages from 40 to 80!
- Natural Death in Year 1 pays return of premium plus 4.50% interest, Year 2 pays 50% of the ultimate death benefit and Year 3 pays 100% of the ultimate death benefit. Accidental death pays 100% of the ultimate death benefit starting with the policy effective date.
- Face amounts from $5,000 to $50,000
- Rates based on age and gender and not based on tobacco use
- Only 3 “yes/no” medical questions….no prescription check nor telephone interview!
- Premiums will never increase, and benefits will never decrease
- Competitive rates
- Agents must have Errors & Omissions insurance
- Commissions are paid as earned only
- E-App is available with online quoting program
- A must-have product for all Final Expense agents!
- Agents can submit new business along with completed contracting!