Welcome URL Life Insurance Producers
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1 Welcome URL Life Insurance Producers
2 At Foresters we go beyond life insurance. We are a community-minded organization that is aligned with the interests of your clients, not investors. Foresters purpose is to enhance the wellbeing of our members, their families and their communities.
3 Financial Strength Foresters financial strength, as measured by A. M. Best Company, is rated A (Excellent) and has been for the past 14 years. Foresters continues to maintain its strong financial position. Assets of $10.5 billion and liabilities of $8.8 billion. Foresters conservative investment strategy has resulted in a strong surplus of $1.7 billion and the ability to withstand adverse business and market conditions. Not subject to tax but Foresters is expected to spend the equivalent for the benefit of members and their communities Ratings and figures current as of Dec. 31, 2013 Producer Use Only. 3
4 Community Involvement In 2013, Foresters members, employees and partners volunteered almost a million community-service hours in assisting over 250 local charities. Almost $37-million was invested in programs to support our members, benefits and their communities. Now the Member Granting Program! Ronald McDonald House Brand New Association Partner Prevention of Child Abuse Active for more then 30 years Over $1 million donated annually Programs, prevention initiatives, advocacy and research Producer Use Only. Children s Miracle Network 20+ year Partnership 170 Children s Hospitals 17 million children Foresters has raised more then $500 million since 1990 KaBOOM! Partner since 2006 Foresters committed $10-million to build 125 playgrounds by In a 15-year span 3.3-million children will use these facilities 4
5 Benefits of Membership Benefits extended to all eligible insured s, as Foresters members at NO ADDITIONAL COST! Legal Link Everyday Money Terminal Illness Loan (Not Available in NY & IL or on the Prepared product) Orphan Benefit Orphan Scholarships Competitive Scholarships Foresters members include insureds and annuitants under Foresters life insurance and annuity certificates. Members immediate family members may also be eligible for member benefits. These non-contractual benefits are provided at no extra cost. This presentation is a brief description of the benefits, however, each is subject to benefit specific eligibility requirements and limitations and may be changed or canceled at any time. Producer Use Only. 5
6 Finding our niche... Simplified Issue (Non-Medical) Life Products Your Legacy Single Premium Participating Whole Life; Advantage Plus Participating Whole Life; SMART UL Cash Accumulation Universal Life; LifeFirst 20, 25 and 30-year Level Term; and Prepared Accidental Death Term Life Simplified Issue means just that! NO Blood, NO Urine, NO APS! Senior Life / Final Expense / Burial Insurance Easy Application, 3 Plans, Telephone Interview at Point of Sale, Eligibility Determined, Fast Issue.means Quick Pay to YOU!
7 PlanRight At a Glance 3 Plans Level (100%), Graded (Greater of ROP+ 4.5% or 30/70), Modified (ROP+ 10% 2-years) An Accidental Death Provision is included for the Graded and the Modified Plans at no additional cost. Therefore, if the client dies within the 1st 2 years of an accidental death, caused by an accidental bodily injury and death occurs within 90-days of that injury. Death Benefit is 100% of face amount on G & M Plans Riders: Common Carrier ADR All plans, No cost Accidental Death Rider Level Only Issue Ages: 50-85, except Modified max. age 80 (Age Last Birthday) Face Amounts: Level: $2,000 - $35, $2,000 - $15,000 Graded: $2,000 - $20, $2,000 - $10,000 Modified: $2,000 - $15,000 Producer Use Only. 7
8 PlanRight At a Glance Rating Classes Male & Female Non-Tobacco and Tobacco Underwriting: Level Standard through Table 6 Graded Through Table 12 Modified Through Table 20 Certificate Fee $36/year (Commissionable, except on VSOP) A "YES" answer to any question in Part A of the application is an automatic decline. Shred the application! - A YES in Section B May be eligible for Modified - NO to Sec. B & a YES in Sec. C May be eligible for Graded - NO to all questions May be eligible for Level Telephone Interview: Apptical Mon. Fri. 8:30 am 2 am ET Sat. & Sun. 10 am 10 pm ET Preferred Draft Dates (1-28) or Social Security (2 nd, 3 rd or 4 th Wed.) Producer Use Only. 8
9 Prepared SI Accidental Death Term Life You can t predict when an accident will happen but you can be PREPARED!!! Can be sold as a stand-alone or a Term decline Premium is level and guaranteed to expiry date (Base, ROP, WofP. The DI Rider may increase) Non-Cancelable Few Health and Lifestyle questions ( 3 or 4 depending on the state) No Exams, No Blood, No Urine, No APS s, No Height / Weight Chart, No Routine PHI s Approved: 41 + DC. Not approved in CO, MA, MN, NH, NJ, NY, PA, SD and VT US (01/12) Producer Use Only. 9
10 Your Legacy SPWL At a Glance Single Pay Non-Medical Participating Whole Life Issue Ages: 0-85, except Substandard (Age Nearest Birthday) Underwriting Classes: Juvenile (0-15) Tobacco / Non-Tobacco (16-85) Substandard (16-80) (Tables 5-8)* * May require an Attending Physician s Statement (APS) Minimum Premium: Issue Ages 0-15 $1,500. Issue Ages $5,000. Issue Ages $10,000. Max. Net Amount at Risk: Issue Ages 0-15 $150,000. Issue Ages $250,000. Issue Ages $175,000. Issue Ages $150,000. Maximum Premium: Illustration: US (01/12) Producer Use Only. $500,000. (subject to net amount at risk) Required for Certificate issue (Provide at Point of Sale or Illustration Certification form) 10
11 Foresters Your Legacy SPWL Sales Ideas Utilizing a Single Premium to purchase lifetime protection; Funds from a buy-out or settlement, RMD, Inheritance, Maturing financial products, Sale of property, etc. Alternative to a CD, Financial product, etc. Create a Legacy for a child/grandchild s future Plan for Retirement or Future Events US (01/12) Producer Use Only. 11
12 Target Market: Advantage Plus Par. WL / SMART UL Middle to Upper Middle Income Market AdvantagePlus is for clients whom want: Guaranteed lifetime life insurance protection Guaranteed level premiums for their life insurance Cash value accumulation potential SMART UL is geared for clients looking for lifetime life insurance protection with cash value accumulation potential Clients who don t want to go through the hassles of full underwriting... But have the option of Medically underwritten at higher face amounts US (01/12) Producer Use Only US (10/11)
13 Advantage Plus Par. Whole Life / SMART Universal Life Issue Ages: (Age Nearest Birthday) Non-Medical: 0-75 on 20-pay or Paid-up at 100 & SMART UL Medical UW: 0-75 on 20-pay, 0-85 on Paid-up at 100/ SMART 0-85 Face Amounts: Non-Medical Medically Underwritten 0-15 $25,000 - $150,000 $150, $25,000 - $250,000 $100, $25,000 - $150,000 $100, $25,000 - $150,000 $ 50, Not Available $ 25,000 + SMART UL Minimum Guaranteed Interest: 3% (Current 5.85%) US (01/12) Producer Use Only. 13
14 Advantage Plus Par. Whole Life Sales Ideas Combination Opportunity Permanent + Temporary Coverage (Mortgage Protection, Income Replacement, Child Protection) Maximize the amount of protection! College Funding, Retirement Planning, Setting up a fund for a Grandchild, etc. You are in the Final Expense / Senior market, but you have a client that has a spouse under 50; or someone in good health; or someone that wants more than $35,000 in coverage US (01/12) Producer Use Only US (10/11)
15 SMART Universal Life Sales Ideas Wanting a flexible life insurance offering, with permanent coverage Retirement Planning, College Funding, Building a Nest Egg, etc. Double dipping with the focus on Cash Accumulation US (01/12) Producer Use Only US (10/11)
16 Lifefirst Term Choice of initial term periods Non-Med: 20, 25 or 30 year Fully Underwritten: 10, 20, 25 or 30 year Convertible - Up to earlier of age 65 or 5 years prior to end of initial term Issued Standard to table 4 Issue ages (age nearest birthday) - 10 year: 18 to 80 (Fully Underwritten Only) - 20 year: 18 to 65 (max age 60 for all Tobacco Classes) - 25 year: 18 to 60 (max age 55 for all Tobacco Classes) - 30 year: 18 to 55 (max age 50 for all Tobacco Classes) Face Amount (for all initial term periods) - Issue ages: Non-Medical Fully Underwritten 18 to 55: $50,000 to $250,000 $250, : $50,000 to $150,000 $150, US (01/12) Producer Use Only. 16
17 Lifefirst Level Term Sales Ideas Buying the most coverage at the lowest rates Temporary Coverage: Mortgage Protection; Income Replacement; Child Protection; etc. Coverage today with an eye to CONVERTING in the Future US (01/12) Producer Use Only. 17
18 The primary purpose of life insurance is to provide a benefit to a beneficiary at death. However, health conditions of a life-changing illness and the associated financial burden need to be taken into consideration... - Every 4 minutes, someone dies of a stroke and One in every 3 deaths is from heart disease or stroke, which is equal to 2,200 deaths per day - The fact remains that 75% of healthy individuals over the age of 40 will become critically ill at sometime in the future - Thus the need for Living Benefits. Foresters Accelerated Benefit Rider (ABR)
19 Solving Middle America s Financial Concerns Helping families avoid devastating life changes Critical Illness, Chronic Illness, Terminal Illness. Accelerated Benefit Riders...LIVING BENEFITS
20 Accelerated Benefit Rider (ABR) Definitions of the 3 triggers: - Chronic Illness: - Diagnosed by a physician as permanent, unable to perform at least 2 of the 6 Activities of Daily Living (ADL s Bathing, Continence, Dressing, Eating, Toileting, Transferring) for at least 90-days ; or a severe cognitive impairment - Critical Illness: - Myocardial Infarction (Heart Attack); Stroke; Major Organ Failure; End Stage Renal Failure; ALS; Life Threatening (Invasive) Cancer; Advanced Alzheimer s Disease (before the insured s 75 th Birthday) - Terminal Illness: - A non-correctable illness or physical condition which is reasonably expected to result in death within 12 months of diagnosis 20
21 What can the ABR benefits be used for... Cover the cost of medications and other medical expenses Pay off the family s mortgage Offset the children s tuition payments Pay for their nursing home stay To get their financial affairs in order Access to the Death Benefit, to enjoy life to the fullest The ABR benefits can be used for whatever they need them for! Producer Use Only. 21
22 Foresters Accelerated Benefit Rider (ABR) Does your client think they are more susceptible to have a Chronic, Critical, or Terminal illness before they die? It is not about DEATH! The ABR s are a great way to get your foot in the door...living Benefits! Be further prepared for the financial obstacles of life s health changes. Plus, they are a fantastic value-added tool, to further illustrate the need for Life Insurance...then highlight the Foresters Benefits of Membership!
23 Foresters Benefits of Membership - Legal Link & Everyday Money Member Benefit - Terminal Illness Loan Member Benefit - Orphan Benefits Member Benefit - Orphan & Competitive Scholarships Member Benefits - Community Grants - Emergency Assistance Program - Family Fun Events - Inspiring Community Activities & Volunteer Leadership
24 Positive Producer Experience Government Allotment (Fed Employee Market) & List Bill Submit Apps: Mail, Courier, Fax or Secure Docs ( platform) Electronic Application (Non-Medical Traditional Products) Express Decision (POS tele-interview on Non-Med Traditional Products) Great Support 24 / 7 All-Access Website Mobile Quotes and Calculator Sales Desk ; ext. 1 (Mon.-Fri. 7:30 am 6 pm CT) Foresters BIZ Mobile app Marketing Material in English, Spanish and now Chinese Advanced Marketing Support and Specific Training Webinars Low cost E. & O. coverage Producer Use Only. 24
25 Foresters 2016 Destination Convention Ritz Carlton Kapalua - Maui, Hawaii April 5 9, 2016 Producer: 80,000 Destination Credits and 12 new life cases MGA: 300,000 Destination Credits and must have a minimum of 1 downline qualifier IMO: 400,000 Destination Credits Bonus Incentive Additional Stay: April 9, 10, 11 (max. 3 nights) Producer: 20,000 Destination points/ add. night MGA: 75,000 Destination points/additional night IMO: 100,000 Destination points/additional night * Business Quality (Placement & Persistency) values required 25
26 At Foresters... We are Driven to SHARE, not shareholder driven! Thank you!
27 Stop by the Table and grab an Agent kit Thank you URL for a FANTASTIC However, let s make 2015 even BETTER!
28
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