LIFE CARRIERS "AT-A-GLANCE"

AIG (American General) is an A++ company offering a lifetime, guaranteed UL which is second to none. Also, "Select-A-Term" is a brand new concept which allows your client to choose the number of years of coverage he/she is comfortable with. Very generous compensation.

ASSURITY LIFE has some of the strongest, non-medical life products in the industry. How does $50,000 to $250,000 for a 10,15,20 or 30 year guaranteed term sound? Most recently they’ve introduced a Final Expense plan issuable to age 80 and asks only 4 health questions.

BANNER LIFE Offers the Advantra, a UL product that guarantees a 20 year death benefit issuable to age 80 years. Also, check Banner’s term rates, you’ll be so glad you did.

FIDELITY LIFE leads the industry with the quickest issued term products anywhere, along with an online application and a graded, impaired risk product with limits of $500,000. This company is a must.

GENWORTH LIFE has absolute lowest term rates and most competitive "no-lapse" UL rates in the industry! Genworth is one of the few companies that will allow guaranteed term policies for ages 0-80! A recent addition to their portfolio is Vantage Point Term with cash value ROP and no blood requirement up to $500,000. Genworth is a leader in the life insurance industry today and will be for many, many years to come.

LIBERTY LIFE/RBC is our go to carrier with ultra competitive smoker term rates. Also, ask about the incredible "10 minute term turn around". Think you heard it all? You haven’t until you’ve heard about RBC.

LINCOLN FINANCIAL/JEFFERSON PILOT is an elite carrier specializing in large face, permanent plans to help your clients protect their estates. Did we mention they also have a "table shave" program for their permanent products bringing a tough to place table 3 to a very placeable standard offer? Also, ask about the "Money Guard" product. Is it life insurance, or is it long term care? Ask us and then decide.

NORTH AMERICAN CO. FOR LIFE AND HEALTH offers 6 extremely competitive UL products, a Mortgage term and traditional term issuable to age 85! Commissions are extremely generous and combined with liberal and consistent underwriting, North American is a core company you should quote as quickly as possible.

OLD MUTUAL/F&G has one of the strongest Equity Indexed UL’s on the market offering guarantees up to age 100 and beyond! In addition they have excellent tobacco rates for all products. Their commissions are extremely generous, products very competitive and underwriting very liberal. They are a must in the EIUL arena.

PRUDENTIAL INSURANCE CO. is a welcome addition to our family of carriers. They are an A+ company offering not only great impaired risk underwriting, but extremely competitive term and UL rates, as well, for your non-impaired cases. Prudential is the very best for your clients who are overweight, diabetic or diagnosed with cancer or cardiovascular disease. With the very best clinical underwriters, we will have a tentative offer to you within 24 hours. Don’t lose another tough case: give us a try.

UNITED HOME LIFE is our only virtually guaranteed issue carrier. Based on the health of your prospect, he/she can qualify for simplified issue or, if not, qualify for guaranteed issue (assuming he/she doesn’t have AIDS, isn’t in a Nursing Home, or doesn’t have a terminal illness). Your client can qualify $100,000 of simplified coverage or $50,000 of guaranteed. Never lose another case thanks to UHL. Commissions and renewals are great.

WEST COAST LIFE (EMPIRE GENERAL/CHASE) is very competitive, utilizing Empire General’s liberal underwriting and Chase’s unique products. Three companies operating under one great name.

WILLIAM PENN ASSOCIATION is a Fraternal Benefit Association that offers a unique Single Premium Whole Life product, great cash values with a single premium that can be divided into THREE EQUAL PAYMENTS PAID OVER THREE YEARS – "AT NO COST TO THE CLIENT". Great commissions and a must have product. Offered Thru: ALLIANCE FINANCIAL GROUP OF AMERICA

***NOTE*** ALSO…Now Fully Operational…Our Brand New Long Term Care, Disability Income and Critical Illness Dept. Check it out TODAY, and let us quote your next case. Some of our hot new carriers are Genworth, John Hancock, Metropolitan Life, Prudential and Assurity Life.