Wednesday, August 31, 2011

NO Blood! NO Urine! NO Exam!

15/20/30 Year Level Term Plans
$50,000 Minimum Face Amount
Up to $400,000 NO Exam
Liberal Build Chart
Age LAST Birthday
5 Day Issue on Clean Apps

NO Blood!  NO Urine!  NO Exam!


Tuesday, August 30, 2011

4.25% First Year Fixed Rate

One of the highest multi-year rate guarantees currently available

Interest rate effective 9/1/2011 and subject to change without notice. 

Issue ages 0 - 80 for qualified and non-qualified plans.
True 7-year "walkaway“

Consumer friendly liquidity features available in most states
10% free withdrawals of the accumulated value after first year
5-year annuitization without penalty available after 2nd year
100% Accumulation value paid at death of annuity owner
Charges waived for withdrawals due to confinement and terminal illness
Call for more information

Thursday, August 25, 2011

Take Advantage of these high fixed annuity rates while you can!

3.75 % for 5 years
3.85% for 7 years
4.15% for 10 years

Single Premium Deferred Annuity
Qualified or Non-Qualified
Issue Ages 0 - 90

  • Choice of 5, 7 or 10 year surrender
  • An A LA Carte Solution for a custom annuity!
  • This annuity was created with the flexibility to meet the need of your clients
  • Optional riders: (see rate sheet for rider cost)
    • RMD
    • Preferred 10.00% withdrawal
    • Terminal Illness/Nursing Home Care
    • 72 9(t) free withdrawal
    • Death benefit Feature
    • Accumulated interest withdrawal 

Call now for more information!

Wednesday, August 24, 2011

What are you smiling at?

Life Insurance doesn't get any easier than this!

10, 20, 30 Year Level Term Plans
Return of Premium Option
Simplified Issue / Non-Med Product
No Medical Exam or Blood Required
Issue Ages 18 - 70
Up to $200,000 Death Benefit
Simple One Page Application
Exciting Optional Benefits and Riders

(including Critical Illness and Disability Income Riders)
Additional No-Cost Riders
(Terminal Illness and Confined Care)
(Product not available in all States)
(Some riders not available in all States)

Contact Us Today at 
for more information!

Monday, August 22, 2011

320 Cholesterol - PREFERRED PLUS

When it comes to underwriting, we follow a responsibly aggressive
approach and look closely at controlled impairments. 
Here's an example for the record:
63-Year Old Male
Non Tobacco User
Applying for $1 Million of Universal Life
Cholesterol 320; Ratio of 4.5
Height 6' 0" Weight 210 Pounds
Our Offer:  Preferred Plus

Up to 3 Tables - Standard. Term or Universal Life
Call today to learn more!


You have a list of needs, we have a list of solutions!

  • Easy 10-minute life app, in person or over the phone
  • 170% commission products
  • Table 4 to Standard, no exam
  • NON SMOKER RATES for Chewers, Dippers, Cigars, Pipes - even if insured tests positive for nicotine
  • Coverage that requires no medical exam, NO blood NO Urine
  • Lowest Cigarette Smoker Rates
  • Final Expense Plans
  • Group Benefits
  • Guarantee Issue Plans
  • Coverage for Diabetics
  • Preferred rates for sleep apnea
  • Coronary Artery Disease
  • Height and Weight: generous build charts
  • Senior Underwriting: liberal guidelines for blood pressure, cholesterol and build
  • Non-med 66 and older, any face amount
  • Competitive Juvenile Plans
  • Preferred rates for Foreign Travel
  • Mild Asthma clients may be eligible for Preferred
  • Preferred rates for cholesterol or hypertension
  • Blood Pressure control credit treated or untreated of 130/80 or better
  • Preferred rates for occasional scuba divers
 Call today and learn how we can help you help your customers!