New Vantage Whole Life Insurance
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1 New Vantage Whole Life Insurance Agent Training
2 For Producer Use Only This presentation is intended for producer use only and should not be disclosed to the public. The information contained in this presentation is general in nature and is subject to the applicable contract and rider language.
3 Sentinel Security Life Founded in 1948 and dedicated to the senior market Expanding product portfolio that includes: Final Expense Life Insurance Medicare Supplement/Select Hospital Advantage Annuities Competitive Commissions Strong financial background
4 Basics Whole Life Insurance Issue Ages 0-85 Face Amounts $1,000- $35,000 Simplified Issue (No exam, No APS) Personal History Interview at point of sale
5 New Vantage I Immediate Benefit Designed for individuals in good health Death Benefit is equal to the full face amount stated in the policy.
6 New Vantage I Immediate Benefit Issue Ages Full Pay Pay Pay 0-65 Paid-up Paid-up Policy Size Ages 0-75 $1,000 - $35,000 Ages $1,000 - $25,000 Ages $1,000 - $15,000 Single Prem. $2,000 - $35,000
7 New Vantage I - Riders Waiver of Premium (WOP) Available for clients ages 15 through 55, the WOP rider provides for the waiver of policy premiums if you become totally and permanently disabled through an injury or illness. Accidental Death Rider (ADR) Available for clients 0 through 60, the ADR can be added to your policy for only $1.25 per thousand dollars of coverage and will pay out an additional benefit if death results from accidental bodily injury. Children s Protection Rider (CPR) The CPR provides $1,000 per unit of term life insurance on your child or children. You can add up to five units ($5,000) for only $10 per unit or as little as a ½ unit for $5.
8 New Vantage I Common Health Conditions accepted High Blood Pressure Non-Insulin dependent diabetic with High Blood Pressure Insulin dependent Diabetic <50 units daily High Cholesterol
9 New Vantage II Graded Benefit Designed for individuals with minor health issues Death Benefit is graded over the first 3 policy years. Year 1 30% of face amount Year 2 70% of face amount Year % of face amount
10 New Vantage II Graded Benefit Issue Ages Policy Size Ages $1,000 - $20,000 Ages $1,000 - $15,000 AD Rider (no cost) - If death occurs during the first two years as a result of an accident, the death benefit is equal to the full face amount
11 New Vantage II Graded Benefit Common Health Conditions Accepted Insulin dependent Diabetic 50 units or more daily Certain Heart conditions treated within 5 years
12 New Vantage III Modified Benefit Designed for individuals with more serious health issues. Modified Death Benefit for the first 2 policy years Year 1 Return of premium + 10% annual interest Year 2 Return of premium + 10% annual interest Year % of face amount
13 New Vantage III Modified Benefit Issue Ages Policy Size Ages $1,000 - $15,000 AD Rider (no cost) - If death occurs during the first two years as a result of an accident, the death benefit is equal to the full face amount
14 New Vantage III Modified Benefit Common Health Conditions Accepted Conditions treated within 2 years Congestive Heart Failure Heart Surgery Stroke, TIA Treatment for internal cancer within 3 years
15 Final Expense Rate Increase: 1/1/14 New Vantage I Age: Average Increase: Client Type: % All % All % All New Vantage II % All New Vantage III % All Non-Tobacco % Male Tobacco % Male Tobacco % Female Tobacco % Female Tobacco
16 Underwriting Medical Questions broken down into 3 sections that determine product eligibility Part A Overall Eligibility Part B New Vantage III Part C New Vantage II
17 Personal History Interview Once application is completed please call Apptical Average call time around 12 minutes Ages do not require PHI Ages require a parent or guardian to complete PHI Ages require Proposed Insured to complete PHI
18 Personal History Interview Tips for a quick interview: Complete application before PHI Have prescription information ready Have Doctor s names and addresses
19 Electronic Application! igo e-app Highlights: Intuitive, Wizard Screens guide you through the application (think Turbo Tax!) Direct access via Sentinel s Agent Portal All SSLC State specific, underwriting rules & forms are built in Reflexive & Trigger Questions (igo finds everything for you) Address Validation & On Screen visual alerts Credit card payment option (with account # validation) e-signature Options (Face to Face, Click Wrap) Option to Print / Wet Sign and still e- Submit
20 Case Data is Saved for 120 Days
21 New Vantage Life SALES IDEAS
22 Juvenile Policy vs. Child Rider Female Child (Age 5) $5,000 Death Benefit Child Rider Individual Policy Premium = $4.30 monthly Premium = $6.10 monthly 20 pay premium = $8.19/mo Coverage Expires: Child s 25 th Birthday Parent s 65 th birthday End of premium payment period for insured Benefits: Face up to $35,000 No Expiration Triggers No conversion required Lifetime coverage
23 Short Pay Advantage Male Age 20 Non-Tobacco $10K Cumulative premiums, A76.40 Cumulative Annual Monthly Savings Full Pay 9, Pay 3, Pay 4, ,254 To A65 7, ,057 To A85 10, Single Pay 2,618 6,846 Client Savings 20 Pay 55% To A65 22%
24 Short Pay Advantage Male Age 50 Non-Tobacco $10K Cumulative premiums, A79 Cumulative Annual Monthly Savings Full Pay 9, Pay 7, , Pay 8, ,218 To A65 7, ,911 To A85 11, Single Pay 5,901 3,449 Client Savings 20 Pay (13%) To A65 (20%)
25 Review New Vantage I Immediate DB New Vantage II Graded DB New Vantage III Modified Benefit Issue Ages 0-85 Death Benefits from $1,000-$35,000 Simplified Issue (No Paramed/Exam) Short Personal History Interview Competitive Areas Short Pay Scenarios Juvenile Policies
26 Thank you for considering Sentinel Security Life For questions please contact us at
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