FREQUENTLY USED

Mortgage Term+

Mutual of Omaha

– 10, 15, 20 and 30-Year level term
– Ages 18-65
– $50,000 to $300,000 face
– No mortgage or life event requirement
– No charge riders face amounts of $250,001 to $300,000 require a phone interview
– Return of premium available on 20 and 30-year plans
– No cost Unemployment Waiver of Premium Rider, Residential Damage Waiver of Premium, Terminal Illness & Common Carrier Accidental Death
– No E&O insurance required
– E-app available

CFG Safeshield

– 15, 20 and 30-Year level term
– Ages 18-65
– $25,000-$250,000 face
– Best Disability income rider
– No mortgage/life event requirement
– Return of premium available at 50% and 100% on 20 and 30-year plans
– ROP at 50% is available on 20-Year up to age 60
– No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death
– Convertible
– No E&O insurance required
– E-app available
– 3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness)

Forester Strong Foundation

– 15, 20, 25 and 30-Year level term
– Ages 18-70
– $20,000 – $250,000 face
– No mortgage/life event requirement
– Member benefits good for dependents
– Non-smoker rates for cigar, pipe, chewing tobacco, electronic cigarettes, patch, gum users (all except cigarettes)
– No Return of premium available
– Convertible
– No E&O insurance required
– E-app available
– 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

Phoenix Safe Harbor Term Life

– 10, 15, 20 & 30-Year level term
– Ages 18-80
– $25,000 to $400,000 face
– 4 Living Benefit riders available at no additional premium (terminal illness, critical illness, chronic illness & unemployment waiver of premium)
– No mortgage or life event requirement
– Point of sale underwriting available with telephone interview
– Convertible
Final Expense+

Transamerica Solutions

– 10, 15, 20 and 30-Year level term
– Ages 0-85
– $1,000 to $50,000 face
– Liberal underwriting
– good for insulin dependent diabetics (depending on age) & COPD/emphysema
– no height/weight requirements ages 45-85
– no phone interview
– 10-Pay available for full benefit plan
– No E&O insurance required
– Child/Grandchild rider available up to $5k with NO health questions

CFG Classic Choice

– Ages 25-85
– $2,500 – $25,000 face
– No E&O insurance required
– Phone interview on Classic I only
– Good product for cancer over 2 years ago
– E-app available

Foresters PlanRight

– Ages 50-85
– $2,000 – $35,000 face
– Phone interview must be done at point of sale, with an underwriting decision at point of sale
– Member benefits
– No E&O insurance required for one year

Mutual of Omaha Living Promise

– Ages 45-85
– $2,000 to $40,000 face
– no phone interview
– No E&O insurance required
– E-app available

Phoenix Remembrance

– Ages 30-80
– $10,000 to $100,000 face, depending on age
– Level benefit only (table 6)
– Terminal illness, critical illness & accidental death benefits at no additonal cost
– phone interview & underwriting can be completed at point of sale or entire paper app can be submitted with no phone interview

Kemper Guaranteed Issue Whole Life

– Ages 40-80
– face amounts available from $2,000 to $25,000
– graded benefit in first 2 years (ROP + 20% interest)
– no health questions

Great Western Guaranteed Assurance

– Guaranteed issue (no health questions)
– Ages 40-80
– face amounts available from $1,000 to $40,000
– Graded benefit in first 2 years is ROP + 10%
– no cost spousal benefit rider – pays extra $1,000 at death of first spouse (restrictions apply)
– face amounts available from $1,000 to $40,000
– child/grandchild rider available for $1 mo with no health questions on child

Great Western Assurance Plus

– Guaranteed issue (no health questions)
– Ages 40-80
– face amounts available from $1,000 to $40,000
– Graded benefit in first 2 years is ROP + 10%
– no cost spousal benefit rider – pays extra $1,000 at death of first spouse (restrictions apply)
– face amounts available from $1,000 to $40,000
– child/grandchild rider available for $1 mo with no health questions on child
Accidental Death+

Mutual of Omaha Guarantee ADvantage

– Ages 18-70
– $50,000 to $500,000 face
– guarantee issue accidental death
– no health questions
– spouse & children coverage available
– ROP available
– coverage to age 80
– non-cancel able
– Need a health insurance license to sell
– Common Carrier and Auto/Pedestrian Benefits
– E-app available

Foresters Prepared

– Ages 18-60
– $50,000 to $300,000 face
– simplified issue accidental death
– 3 questions to qualify
– ROP & DI riders available
– coverage to age 75
– non-cancellable
– Need a health insurance license to sell (except in FL & IN)
Guaranteed Issue+

Kemper Guaranteed Issue Whole Life

– Ages 40-80
– face amounts: $2k, $3k, $4k, $5k, $7,500, $10k, $15k, $20k & $25k
– graded benefit in first 2 years (ROP + 20% interest)
– no health questions

Great Western Guaranteed Assurance

– Guaranteed issue (no health questions)
– Ages 40-80
– face amounts available from $1,000 to $40,000
– Graded benefit in first 2 years is ROP + 10%
– no cost spousal benefit rider – pays extra $1,000 at death of first spouse (restrictions apply)
– face amounts available from $1,000 to $40,000
– child/grandchild rider available for $1 mo with no health questions on child

Great Western Assurance Plus

– Only 3 health questions for full death benefit
– Ages 40-80
– face amounts available from $1,000 to $40,000
– Full death benefit beginning year 1 pays 120% of the face amount
– no cost Spousal Benefit rider – pays extra $1,000 at death of first spouse (restrictions apply)
– no cost Accelerated Death Benefit rider for terminal illness & chronic illness
– Child/grandchild rider available for $1 mo with no health questions on child
Simplified Issue UL+

Mutual of Omaha Guarantee Universal Life Express

– Ages 18-65
– $50,000 – $300,000 face
– Only simple issue guarantee UL in market
– Term alternative for older ages
– not a cash accumulation product
– guaranteed insurability at no cost
– additional no cost riders
– Can guarantee coverage from a minimum of 20 years to a maximum of up to age 120

Foresters SmartUL

– Ages 0-75
– $25,000 – $250,000 face
– cash accumulation product UL with competitive interest rate
– member benefits good for dependents
– Can be used for tax-free retirement income
– E-app available
Annuities+

American Equity Advantage Gold

– Fixed Indexed Annuity
– Ages 18-80
– minimum $5,000 premium
– 5% immediate bonus
– 10 yr surrender charges
– no fee income rider & options with fee

American Equity Bonus Gold

– Fixed Indexed Annuity
– Ages 18-80
– minimum $5,000 premium
– 10% immediate bonus
– 16 yr surrender charges
– no fee income rider & options with fee

American Equity Foundation Gold

– Fixed Indexed Annuity
– Ages 18-80
– minimum $5,000 premium
– 7% bonus vested over 10 years
– 10 yr surrender charges
– 5% penalty-free withdrawals after 1st yr
– no fee income rider & options with fee

American Equity Retirement Gold

– Fixed Indexed Annuity
– Ages 18-78
– minimum $5,000 premium
– 8% bonus vested over 14 years
– 10 yr surrender charges
– no fee income rider & options with fee

American Equity Traditions Gold

– Fixed Indexed Annuity
– Ages 18-80
– minimum $5,000 premium
– no bonus
– higher caps
– 10 yr surrender charges
– no fee income rider & options with fee

American Equity Guarantee Series

– Ages 18-85
– minimum $10,000 premium
– 5, 6 & 7 yr fixed annuities
– great alternative to CDs
– 5, 6 & 7 yr surrender charges
– no income rider available

American Equity Premier Eagle 12

– Ages 18-78
– minimum $5,000 premium NQ, $2,000 Q
– fixed annuity (not indexed)
– 8% bonus vested over 14 years
– 10 yr surrender charges
– no fee income rider & options with fee

American Equity Premier Eagle 10

– Ages 18-80
– minimum $5,000 premium NQ, $2,000 Q
– fixed annuity (not indexed)
– 10% immediate bonus
– 10-15 year surrender charge
– no fee income rider & options with fee

American Equity Single Premium Immediate Annuity (SPIA)

– Ages 18-90
– minimum $10,000 premium
– immediate income stream
– no access to remaining lump sum deposit

F&G Accumulator Plus

– Ages 0-85
– minimum $10,000 premium
– no bonus
– high caps for accumulation
– both 10 & 14 year surrender periods available
– income rider at 6.75% for up to 20 years with fee

F&G Index Choice 10

– Ages 0-85
– minimum $10,000 premium
– 3% immediate bonus
– 10 year surrender charges
– Income rider at 6.5% for up to 20 years with fee

F&G Index Safety 7

– only available in NY
– Ages 0-85
– minimum $10,000 premium
– no bonus
– 7 year surrender charges
– 10% penalty free withdrawals after 1st year
– no income rider

F&G Prosperity Elite

– Ages 0-85
– minimum $10,000 premium
– various bonus
– 7, 10 or 14 yr surrender charges
– high caps
– Income rider at 6.5% for up to 20 years or 18% bonus, both with fee
– DB enhancement

F&G Safe Income Plus

– Ages 0-80
– minimum $10,000 premium
– 10 year surrender charge
– income rider at 6.5% for up to 10 years, with 0.95% fee
– impairment rider (doubles income)

F&G Retirement Pro

– Ages 0-80
– Fixed annuity (not indexed)
– minimum $10,000 premium
– 5% or 7% vested bonus (depending on state)
– 10 or 12 years surrender charges (depending on state)
– No charge lifetime income rider
– Benefit base for INCOME rider can be based on indexed interest crediting

F&G Retirement Pro

– Ages 0-80
– Fixed annuity (not indexed)
– minimum $10,000 premium
– 5% or 7% vested bonus (depending on state)
– 10 or 12 years surrender charges (depending on state)
– No charge lifetime income rider
– Benefit base for INCOME rider can be based on indexed interest crediting

F&G Guarantee 3, 5 & 7

– Ages 0-90
– minimum $10,000
– 3, 5, & 7 yr surrender charges
– great alternative to CDs
– 3, 5, & 7 yr fixed annuities
– No income rider

Phoenix Personal Income Annuity

– Ages 0-85
– minimum $15,000 premium
– no bonus
– 10 yr surrender charge
– good only for clients wanting income
– income rider with up to 45% bonus or 14% simple interest accumulating for 10 yrs
– can get income 1st yr, if age 50+

Phoenix Personal Protection Choice

– Ages 0-85
– minimum $15,000 premium
– 10 year surrender charges
– enhanced death benefit & chronic care riders available with fee
– income rider

Phoenix Personal Retirement Annuity

– Ages 0-80
– minimum $15,000 premium
– bonus of 8-15% vested for 10-13 yrs depending on state
– 10-12 years surrender charges
– income rider at 8% for up to 24 years with fee
Single Premium Whole Life+

Foresters Your Legacy SPWL

– Ages 0 – 85
– minimum single premium $1,500 to $10,000, depending on age
– death benefit can increase with dividends
– POS underwriting
– excellent way to increase money set aside to pass on to heirs tax-free
– no medical exam
– 3 living benefit riders at no additional premium (terminal illness, critical illness & chronic illness)
– Member benefits
Simplified Issue IUL+

Phoenix Simplicity

– Ages 18-70
– $50,000 – $300,000 face
– Only non-med IUL for tax-free retirement
– Risks to Table 4 are acceptable
– tax-free retirement income
Children's Whole Life+

Mutual of Omaha Children’s Whole Life

– Ages 14 days to 17 years
– $5,000 – $30,000 face
– Only 2 health questions
– Guaranteed insurability provision
– Nontobacco rates even for cigarette smokers
– Grandparents can purchase without parents signature (except in FL & PA)
– One app for up to eight children

Foresters Advantage Plus Whole Life

– Ages 0-75
– $25,000 – $250,000 face
– simplified issue
– Guaranteed Insurability rider available
– E-app available
– 20 pay option
– member benefits
– 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

Transamerica Solutions Whole Life

– Ages 0-85
– $1,000 to $50,000 face
– Liberal underwriting
– no phone interview
– 10-Pay available for full benefit plan
– No E&O insurance required
Fully underwritten IUL+

F&G Life Choice

– Ages 0-75
– $150,000+ face
– fully underwritten
– death benefit protection with some cash accumulation

F&G Life Elite

– Ages 0-75
– $50,000+ face
– Ages 0-45 up to $149,999 face does NOT require a medical exam
– Non-med policies have lower caps
– fully underwritten
– tax-free retirement income
– good for 5 to 7-pay

INFREQUENTLY USED

Simplified Issue Whole Life+

Foresters Advantage Plus Whole Life

– Ages 0-75
– $25,000 – $250,000 face
– 20-Pay option
– 10 and 20-Year Term riders available
– member benefits good for dependents
– 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)
Fully Underwritten Term+

Mutual of Omaha Term Life Answers

– 10, 15, 20 and 30-Year level term
– Ages 18-80
– $100,000+ face
– very competitive term for higher face amounts
– great for ages 40-60
– Convertible

Foresters Strong Foundation

– 10, 15, 20, 25 and 30-Year level term
– Ages 18-80
– $100,000+ face
– Convertible
– Member benefits good for dependents
– 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

Phoenix Safe Harbor Term Life

– 10, 15, 20 & 30-Year level term
– Ages 18-80
– $50,000 to $1,000,000 face
– 4 Living Benefit riders available at no additional premium (terminal illness, critical illness, chronic illness & unemployment waiver of premium)
– Convertible

Transamerica Trendsetter LB Term

– 10, 15, 20 & 30-Year level term
– Ages 18-80
– $25,000 + face
– No medical exam for $25,000 – $249,999 face up to age 60, lower ages on 30-year (APS, paramed, blood/urine, etc may be requested)
– No return of premium available
– Convertible
– 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)
– Advanced premium options
– TOP & TOP Plus program – no medical exam required on qualifying applicants for up to $999,999

Transamerica Trendsetter Super

– 10, 15, 20, 25 & 30-year level term & an Annual Renewable Term
– Ages 18 – 80 (age nearest)
– $25,000 + face
– Convertible
– Return of premium available
– TOP & TOP Plus program – no medical exam required on qualifying applicants for up to $999,999
Fully Underwritten Universal Life+

Mutual of Omaha AccumUL Plus

– Ages 0-85
– $25,000 + face
– cash accumulation for middle to upper income

Mutual of Omaha Guarantee Universal Life

– Ages 18-85
– $50,000 + face
– guaranteed coverage from a minimum of up to age 80 to a maximum of up to age 120
– cash accumulation

Foresters SmartUL

– Issue ages 0-85
– $100,000 + face
– living benefits for terminal illness, critical illness & chronic illness at no additional premium
– cash accumulation product UL with competitive interest rate
– member benefits good for dependents
– can be used for tax-free retirement income
Fully Underwritten Whole Life+

Foresters Advantage Plus Whole Life

– Ages 0-75
– $25,000 – $250,000 face
– 20-Pay option
– 10 and 20-Year Term riders available
– member benefits good for dependents
– 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)
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