Wednesday, May 16, 2012


With this week’s announcement from Genworth that they will be dropping their 30 year term and increasing the rates on their 10 and 20 year term, Protective Life is emerging as the new low-cost leader in the term market. We run literally dozens of term illustrations every day and in most cases Protective proves to be the choice of the agent.

In addition to the competitive price, there are other less-obvious reasons to choose Protective;

1) NO POLICY FEE. Every dime of the premium is commissionable!

2) NO MONTHLY BANK DRAFT FEE. If you write most of your cases on a monthly bank draft – THESE RATES are usually the best.

3) FULLY CONVERTIBLE PRODUCTS. Convertible to age 70 (or the guaranteed period of the policy – maximum 21 years - whichever comes first).

4) SIXTY-ONE DAY GRACE PERIOD. Remember – this product is actually on a UL chassis.

5) ONE PAGE APPLICATIONS PROCESS. The TeleLife system provides two different platforms for submitting your new business (either the on-line version or the famous ONE PAGE paper version).

6) VERY COMPETITIVE UNDERWRITING. Protective utilizes a unique system that allow the underwriter to pick the most liberal interpretation from two different reinsurance manuals. They are very competitive in the ‘slightly impaired’ market.

Click HERE for a quote on this great product OR email or call us. If you would like to run the quote yourself, click HERE.

Thanks for your business!

Don Boozer

Don Boozer & Associates





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