Questions) National)Life)Group) Fidelity)Life) Sagicor)

Transcription

1 Featured Carriers Questions) National)Life)Group) Fidelity)Life) Sagicor) Is)a)Medical) Exam)Required?) NoMedicalExamis required. NoMedicalExamisrequired. NoMedicalExamis required. How)long)will) the)application) approval) process)take?) Samedayapprovalprocess. Usually,FidelityLifewill provideadecisiononyour applicationwithin24hours. Policescanbeissued inoneday. Will)my)Doctor) have)to)send)in) a)copy)of)my) Medical)History) records?) No.Nomedicalfilesor informationisrequiredfrom yourdoctor. No.Nomedicalfilesor informationisrequiredfrom yourdoctor. No.Nomedicalfiles orinformationis requiredfromyour Doctor. Will)an)agent) need)to)meet) with)me)faceg togface?) No.Convenientinternetand telephonecontactisallthat isinvolved.thereareno highhpressuresalespeople tomeetwith. No.Convenientinternetand telephonecontactisallthat isinvolved.thereareno highhpressuresalespeopleto meetwith. No.Convenient internetand telephonecontactis allthatisinvolved. TherearenohighH pressuresalespeople tomeetwith. How)much) paperwork)is) required)from) me)in)order)to) apply?) None. None.Alloftheinformation foryourapplicationis gatheredfromyouonthis websiteandduringa pleasantfollowhupphone conversationwithalicensed FidelityLiferepresentative. None. Coverage) Amounts) $25,000H$350,000 Upto$300,000 Upto$399,999 Product Features

2 Features of "Rapid Decision" Term Life Rapid Decision Term Life Insurance from Fidelity Life provides qualified applicants with coverage, generally within 24 hours; AND with No Medical Exam required. Level death benefit participating term life to age 95 in amounts up to $300,000. Guaranteed level premium periods of 10, 20, and 30 years. After the level premium period, policies renew on a yearly renewable term increasing premium schedule through age 94. Policies may be converted to a permanent plan of insurance designated for conversions any time during the first 10 policy years or prior to age 65, whichever comes first. Accelerated Death Benefit (Included) Beginning in policy year 3, the rider provides for an advance payment of up to 50% of the death benefit if the insured is diagnosed by a physician to have a life expectancy of 12 months or less. Death benefits are reduced by the advance plus interest. This benefit is included at no additional cost. Dependent Child Rider (Optional) Children of primary insured's ages 19 to 60 who are 15 days to 18 years old are eligible for coverage from $5,000 to $25,000. Coverage ceases when the child reaches age 23 or when the primary insured reaches age 65 or the policy terminates, whichever comes first. Accidental Death Benefit (Optional) This rider pays a benefit in the event of accidental death. The rider is available at issue, ages 20 through 60. The benefit amount is equal to the face amount of the policy. Issue Limits

3 The following chart outlines the Maximum amounts of coverage at various age brackets. Your Current Age at Issue Maximum Coverage Amount Available* 16 to 45 $300, to 55 $200, to 65 $100, to 75 $25,000 *After your policy is issued, the coverage amount remains level for the guarantee period selected even as you get older. The chart above pertains only to your age on the date the policy is issued to you. Sagicor Simplified Issue Term Life Insurance Issue Age Years Face Amounts $50,000 to $399,999 Five Risk Classifications Only 7 Yes-or-No Questions Brief Telephone Underwriting Interview No medical exams, body fluids or APS (Attending Physician Statements) A decision in as little as 15 minutes ACCELERATED BENEFIT INSURANCE RIDER Included at no additional cost, the Accelerated Benefit Insurance Rider 3 helps cover medical costs or nursing home care by allowing you to use a portion of the Death Benefit in the event of a Terminal Condition diagnosis or Nursing Home Facility Confinement. The benefit received is the lesser of 50% of the policy face amount or $300,000. What are the Optional Benefits?

4 Optional benefits are designed to allow you to customize your policy to fit your lifestyle and family needs. Read below to find the best benefits for you and your loved ones. CHILDREN S TERM RIDER Provides term life insurance protection for your children, age 15 days to 19 years, and remains in force for each child until age 25 or marriage. At the end of the term period, the benefit may be converted for up to five times the original amount, regardless of their current health. (Available on fully underwritten applications only). ACCIDENTAL DEATH BENEFIT RIDER If you should die due to an accident, as defined in the rider, your beneficiaries will receive an additional Death Benefit. WAIVER OF PREMIUM RIDER Waives your premium payments if you, the primary insured, become totally disabled for at least six months. If the total disability ceases, simply resume premium payments. National Life Group Insurance and Life Insurance of the Southwest Available for ages 18 through 60 Term lengths: 10, 15, 20, and 30 years Coverage Amounts: $25,000 up to $350,000 Tobacco users can qualify Available in all states except New York Completely online application process Average approval times of 3 minutes

5 Policy delivered electronically via (all States except CA) The product is renewable at the end of the term period Make sure to have your credit / debit card or EFT information. These will be necessary to complete the application process. National Life Group, a Fortune 1000 company, serves 840,000 customers. With 2011 revenue of $1.5 billion and net income of $124 million, members of National Life Group employ roughly 900 employees, with most located at its home office in Montpelier, Vermont. Group companies also maintain offices in Addison, New York, and San Francisco.. Life Insurance Company of the Southwest (LSW) is a member of the National Life Group. Life of the Southwest has an AM Best rating of A, which means Excellent.