Life Insurance Product Recommendation Guide
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- Antonia Kennedy
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1 Life Insurance Product Recommendation Guide A Guideline For Agents To Assist In Finding The Right Life Insurance Fit For Their Clients and Prospects This short guide offers recommendations on the preferred carriers Financial Independence Group recommends in the primary lines of life insurance. These primary lines include: Fully Underwritten: Term Life Return of Premium Term Life Guaranteed Assumption Universal Life Current Assumption Universal Life Indexed Universal Life Survivorship Life (2 nd To Die) Single Premium Life Insurance Whole Life Impaired Risk Life Simplified/Guaranteed Issue: Final Expense/Burial Expense Life Mortgage Term Life Simplified Issue Single Premium Life Guaranteed Issue Life The last section of this guide includes carriers that offer life insurance fitting situations that may be considered out of the ordinary, or would be advantageous for agents to know about. These include life insurance products that offer: Life Insurance For Ages 85+ Life Insurance That Is Favorable For Tobacco Users Life Insurance Products That Build High Cash Values Life Insurance With LTC/Chronic Illness Benefits Single Premium Life With Minimal Initial Surrender Charges Carriers For Premium Financing Life Insurance With Disability Benefits Life Insurance With Table Shaving/Credit Benefits and more!!
2 Fully Underwritten Life Insurance Revised May 2011 This section offers guidance on the top carriers to focus on in each line of insurance for fully underwritten products. The carriers recommended are prioritized based on a combination of advantageous premium rates, product ranking with competitors, underwriting, efficient processing of new business, carrier rating/financials, and commissions to the agent. The lists are not all encompassing. They are designed to show the top carriers we d recommend only. Other carriers are available. Term Life Insurance Return Of Premium Term Transamerica Life American General Life Pacific Life Life American General Life Prudential Genworth Life Transamerica Life Assurity Life Americo Life North American Life Assurity Life American National Banner Guaranteed Assumption UL (Death Benefit/Premiums Guaranteed To Age 100+) Face Amount Below $50,000: Face Amount $50,000-$100,000 Face Amount $100,000+ Transamerica Life Hartford Life Aviva Genworth American General North American North American Nationwide Americo Genworth Aviva (ages 0-18 only) Lincoln Benefit Life United of Omaha Hartford Life Transamerica Transamerica Current Assumption UL (Death Benefit Not Guaranteed For Life) John Hancock SunLife AXA Equitable Hartford North American American General Indexed Universal Life Allianz Life Hartford Penn Mutual American General American National Pacific Life LSW Americo Life AXA Equitable Sagicor Life Aviva Lincoln Benefit Life Old Mutual North American
3 Survivorship Life (2 nd To Die) Penn Mutual Hartford New York Life American General American National Pacific Life Mass Mutual Nationwide John Hancock AXA Equitable Transamerica Aviva Lincoln Benefit Life SunLife North American United of Omaha Allianz LSW Genworth MetLife Prudential Single Premium Life Insurance (full underwriting) Hartford Genworth MetLife Penn Mutual Hartford New York Life American General American National Pacific Life Mass Mutual Nationwide John Hancock AXA Equitable Transamerica Aviva Lincoln Benefit Life SunLife North American United of Omaha Allianz LSW Prudential Lafayette Life Mutual Trust Life Whole Life Insurance New York Life Mass Mutual Mutual Trust Life MetLife Penn Mutual Lafayette Life Americo Life Assurity Life United of Omaha American National Sagicor Life Impaired Risk Life Insurance (Clients with Significant Health Issues) Hartford Transamerica SunLife John Hancock Lincoln Benefit Life MetLife Prudential United of Omaha AXA
4 Simplified Issue/Guaranteed Issue Life Insurance This section offers guidance on the top carriers to focus on in each line of insurance for simplified issue (non medical/ limited underwriting) products. The carriers recommended are prioritized based on a combination of advantageous premium rates, minimal underwriting, efficient processing of new business, carrier rating/financials, and commissions to the agent. The lists are not all encompassing. They are designed to show the top carriers we d recommend only. Other carriers are available. Final Expense/Burial Expense Life (Simplified Issue) United of Omaha Oxford Life Assurity Life Sagicor Americo Forethought Royal Neighbors Presidential Mortgage Term Life (Simplified Issue Term Life) Americo Life Assurity Life United of Omaha Sagicor Life Simplified Issue Single Premium Life Sagicor Americo Life Oxford Life EquiTrust Life Mutual Trust Sagicor Aviva Legacy/Assurity Lafayette Life Guaranteed Issue Life Insurance Presidential Life Americo Life These products are designed for clients with significant health issues, or that are adverse to going through full underwriting (usually due to fear of the needle used in the typical blood test associated with a paramedical exam). The premium rates are typically higher than most fully underwritten products of a similar nature, but with clients that may not qualify standard or better with full underwriting, these simplified issue plans are a great option to consider. There is little to no underwriting, which generally means your client s coverage will go into effect quickly and you will get paid your commission more quickly as well. Average turnaround time on simplified issue life insurance is 5-7 business days. Average turnaround on fully underwritten life insurance applications is 4-6 weeks. Simplified issue and guaranteed issue life insurance is a great way to avoid the hassles of dealing with fully underwritten life insurance, and to maximize your life insurance selling. Call your FIG life insurance marketer if you are interested in learning more details.
5 Important Recommendations On Situations Involving Life Insurance That Are Outside The Box Life Insurance For Ages 85+ John Hancock Lincoln Benefit Prudential Genworth Sagicor American General Transamerica AXA MetLife Life Insurance That Is Favorable For Tobacco Users Prudential John Hancock Life Insurance Products That Build High Cash Values Fixed Life: Mutual Trust, West Coast, Transamerica, Lafayette, John Hancock Indexed Life: Penn Mutual, Allianz, North American, Aviva Life Insurance With LTC/Chronic Illness Benefits Hartford Life Nationwide John Hancock Penn Mutual Sagicor Legacy Estate Maximizer Single Premium Life With Minimal Initial Surrender Charges Sagicor Mutual Trust Life Americo Life Lafayette Life Equitrust Term Life With Easy Submission Requirements Symetra Genworth Aviva Life Life Insurance With Disability Benefits Americo American General Allianz Assurity Life Insurance With Table Shaving/Credit Benefits Hartford Aviva Life AXA Lincoln Benefit Age Last Insurance Age-fully underwritten (actual age) Prudential Lincoln Benefit Transamerica Allianz Symetra Carriers That Work Well With Premium Financing Transamerica AXA SunLife Carriers With Superior Business Planning Products & Marketing (Split Dollar, Buy Sell, Key Man, Executive Bonus, etc.) SunLife Allianz Nationwide
Approved Annuity and Insurance Carriers
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Life Approved Carrier List (11.17.11) Carrier Company Rating Product
Allianz Life Insurance Company AM Best A Indexed S&P AA Indexed Moody's A2 Comdex 87 American General AM Best A 10 year term S&P A+ 15 Moody's A2 Comdex 82 Indexed Survivorship Indexed American National
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S E R I E S Top & Top Plus program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants
Must have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible.
UL TOP Program Details The Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company offers qualifying clients an easier way to increase or extend their existing term life coverage
Standard or Better TOP. Available Maximum Face Amount per Lifetime
Top & Top Plus program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants to receive up
Preferred or Similar Standard or Similar
TOP & TOP PLUS program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants to receive up
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