Prospect for New Sales, Without
|
|
- Henry Barton
- 8 years ago
- Views:
Transcription
1 Prospect for New Sales, Without Requiring Medical Exams! Product TransTerm SM Transamerica Opportunity Program (TOP) is now available on TransTerm SM 10, 15, 20, 25 or 30-year policies. Present clients with a fast way to obtain up to $1 million in coverage without a medical exam!* Transamerica s Opportunity Program (TOP) is now available with TransTerm policies for all initial level premium durations. Benefits of the TOP Program Up to $1 million of TransTerm 10, 15, 20, 25 or 30-year policy coverage Faster policy issue with accelerated underwriting and no medical exams* Especially valuable for those recovering from the economy, who may have had to terminate coverage in the past couple years due to budget constraints TOP Qualifying Applicants Ages Previously underwritten with blood work for a term policy in the past five years. (Previous policy need not currently be in force.) Issued a risk class equivalent to or better than Standard. ( risk classes are also acceptable.) Issued a minimum face amount of $100,000 by one of 60+ qualifying carriers The available face amount is dependent on the policy date of the previously issued policy: Issue Date of Previous Policy Eligible Maximum Face Amount 1 year or less $1,000,000 Older than 1 year but less than 3 years $ 750,000 Older than 3 years but less than 5 years $ 500,000 For more information, contact us today. * This is not a Guaranteed Issue program. Qualification for coverage depends on the answers to health questions set forth in the TransTerm application. Subject to underwriting approval. Underwriting includes Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements which may be imposed based on information from MIB. Program is subject to withdrawal at any time without notice from the Company. TransTerm SM is non-participating, flexible premium universal life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form Nos. ICC10-410, ICC10-415, ICC10-420, ICC and ICC10-430, respectively. Policy forms and numbers may vary and these policies may not be available in all jurisdictions. For producer use only. Not for distribution to the public. OL
2 <Insert Client Name/Company> <Insert Client Address> <Insert Client City, State, Zip> Dear <Insert Client Name> Consider Providing Them More...Without a Medical Exam I m pleased to announce the Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company that can provide a quick and easy way to increase your life insurance coverage. Because you have recently purchased an individual term life policy, you may qualify for up to $1,000,000 of TransTerm SM universal life insurance coverage with a choice of economical initial level premium periods of 10, 15, 20, 25 or 30 years, without the usual required medical exam. 1 This program, along with Transamerica Life s competitive premiums, makes it easier to provide your family with more coverage. Take a look at these sample monthly premiums: Sample:, $500,000 death benefit 2 Age 40 Age 45 Age 50 Age 55 Age 60 Male $26.62 $40.99 $61.27 $97.62 $ Female $23.24 $34.65 $49.02 $68.46 $ For more information on how to take advantage of this program, contact us today. Sincerely, <Insert Field Agent Name> <Insert Field Agent Phone Number> 1 TOP is not a Guaranteed Issue program. Qualification for coverage depends on the answers to health questions set forth in the new application. Subject to underwriting approval. Underwriting includes Medical Information Bureau (MIB) screening, nonmedical, face page of previously issued term policy, and additional requirements that may be imposed based on information from MIB. Program is subject to withdrawal at any time without notice from the Company. Maximum amount of new coverage is dependent on previous or current policy issue date. 2 Sample monthly premiums based on male and female, $500,000 death benefit coverage for TransTerm SM 10. Premiums quoted are subject to change without notice. Premiums are lower if paid annually. TransTerm SM is non-participating, flexible premium universal life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form Nos. ICC10-410, ICC10-415, ICC10-420, ICC and ICC10-430, respectively. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid. OL
3 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 with a TransTerm SM 10, 15, 20, 25 or 30-year universal life insurance policy with accelerated underwriting and no medical exams. Under TOP, we will modify the initial underwriting requirements for qualifying individual TransTerm 10, 15, 20, 25 or 30-year cases. The program is not guaranteed issue. Additional evidence of insurability will be requested if the Underwriter determines it s necessary. TOP Program Rules and Guidelines 1. TOP is available on TransTerm 10, 15, 20, 25 or 30-year durations. 2. The previously issued term life policy being topped :* Must have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible. Must have been issued Preferred (including Preferred Plus or similar) or Standard (including Standard Plus or similar). classes are acceptable; however, Substandard rated policies are not eligible for the program. Must have had a face amount of $100,000 or more. Must be from a specifically identified qualifying carrier, which includes Transamerica Life and Transamerica Financial Life. Must have been issued within a five-year rolling period, which is defined as the duration of time between the policy date of the previously issued policy (as shown on the face page) and the date of the new TransTerm application. 3. Qualifying issue ages (age nearest birthday): 18 to Face Amounts Maximum amount of new coverage is dependent on the rolling period: Period from Previous Policy Issue Date Maximum Face Amount One Year (Rolling Date) $1,000,000 Three Years (Rolling Date) $750,000 Five Years (Rolling Date) $500,000 Multiple policies adding up to the designated maximum face amount may be issued under the program; however, new coverage under the TOP program may never amount to more than $1,000,000 in total per individual life per lifetime. Coverage maximums are limited to normal Company maximum retention. 5. Qualifying Risk Classes Applicants may qualify for one of the following risk classes, based on the classification of their previously issued policy and Underwriter s approval:,,, and. Preferred Plus and Standard Plus classes are not available on new coverage under the program. 6. The program is not guaranteed issue. Additional evidence may be requested if the Underwriter determines it is necessary. *Products such as Genworth Life s Colony Term UL and West Coast Life s and Protective Life s Secure-T are also eligible for TOP. For producer use only. Not for distribution to the public.
4 TOP Program Details 7. Maximum Company retention on one life is not to exceed $5,000,000. Applications that would require us to exceed our maximum retention will require full new business evidence. 8. The program is designed as additive coverage, not as replacement. It does not require any assignment or termination, nor does it alter the face amount and conversion option of the previously issued policy. Modified New Business Requirements 1. Application for TransTerm policy form 2. Authorization to Obtain Information (MIB) 3. Nonmedical 4. Copy of the previously issued term policy face page, and any additional policy data pages required to show name of insured, date of issue, face amount, and risk class. If using a Transamerica policy, the policy number (noted in the remarks or cover letter) can be used instead of copied policy pages. 5. Any additional signed state-specific authorizations and disclosures required to transact new business. Applications The basic application is APA 40. The non-medical report is MPN 1. The program does not require, nor does it have, a unique application. All of the new business supplemental forms and disclosures are still required. Note: A note in the Remarks section of the application should indicate that the policy is being applied for under the TOP program. For Transamerica policies being topped, the policy number should be included in the Remarks section. TransTerm SM is non-participating, flexible premium universal life insurance issued by Transamerica Life Insurance Company, Cedar Rapids, IA Policy Form Nos. ICC10-410, ICC10-415, ICC10-420, ICC10-425, and ICC respectively. Policy forms and numbers may vary and these policies may not be available in all jurisdictions. Transamerica Opportunity Program (TOP) is subject to withdrawal at any time without notice from the company. OL For producer use only. Not for distribution to the public.
5 The following is a comprehensive list of qualifying Term carriers for the Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company. If you cannot find a specific company below, please contact Richard Mar in Life Products at All American Life Select (Class I, II) Select (Class V) Select (Class III) (Class IV) (Class VI) Allianz Elite Select Super Select Select Plus Ultra Super Preferred Plus Select Preferred Plus Allstate Preferred Elite Preferred No- Standard Select No- Standard No- American General Select (Class I) Select (Class II) Preferred Plus Select (Class III) (Class IV) Standard Plus 1
6 American United Life Elite Standard Plus AmerUs Preferred Plus Aviva 1 Premier Standard Plus AXA Preferred Elite Referred Standard Plus Bankers Life of NY Preferred Plus Preferred Non Standard Non Banner Life (William Penn Life in NY) Preferred Plus Standard Plus Plus 1 Acceptance within the program will be based on providing evidence to Underwriting that the policy being topped was fully medically underwritten. 2
7 Cincinnati Life Super Select Select Plus Select Ultra Preferred Standard Standard Columbus Life Super Preferred Non Preferred Plus Non Preferred Non Standard Non Empire General Select Preferred Equitable Life Preferred Plus Federated Insurance Company Preferred Plus Fidelity and Guaranty Life Super Preferred Plus First Penn-Pacific Preferred Best 3
8 General American Elite GeneraLife Elite Genworth / First Colony* Preferred Best No Nicotine (American Mayflower in NY) Preferred No Nicotine Standard Plus Standard No Nicotine Select No Nicotine Preferred Nicotine Standard Plus Nicotine Standard Nicotine Golden Rule Grange Life Executive Guardian Elite Preferred Plus Standard Standard () Harleysville Premier Select Select *Genworth s Contin-UL is also eligible for TOP. 4
9 Hartford Life and Annuity Company Preferred Best Preferred Plus Preferred Nonnicotine Standard Nonnicotine Preferred Nicotine Standard Nicotine Indianapolis Life Premier/Preferred Plus Preferred No Standard No Jackson National Preferred Plus Jefferson Pilot Preferred Plus John Hancock Super Preferred Standard Plus Kansas City Life Preferred Elite Lincoln Benefit Preferred Elite Standard Select 5
10 Lincoln National* Preferred Best (Lincoln Life & Annuity Co. of NY) ManuLife Super Preferred Mass Mutual Ultra Select Select MetLife Elite Plus Preferred Plus Standard Plus Midland National Preferred Plus Plus Minnesota Life Preferred Select Preffered Plus MONY Ultimate Select Select Standard *Lincoln National s DurationGuarantee UL is also eligible for TOP. 6
11 National Life Insurance Preferred Plus Non- Company of Vermont Preferred Non- Non- Nationwide Preferred Plus Standard Preferred Standard New England Financial Select Preferred New York Life Select Preferred Plus Select Standard Standard North American Super Premier Standard Plus Northwestern Select Premier Standard Plus Premier 7
12 Ohio National Super Preferred Select Select Old Mutual Super Preferred Plus Old Republic Preferred Plus Pacific Life Super Select Preferred Plus Standard Plus Penn Mutual Preferred Best Preferred Plus Phoenix Home Life Advantage Premier Advantage Select Advantage Standard 8
13 Primerica Preferred Plus Principal Life Super Super Protective Life* Select Prudential Preferred Best Preferred Plus Plus Preferred Plus ReliaStar Life Insurance Co (ING) Super Select SBLI Preferred Plus Nonnicotine Preferred Nonnicotine Select Nonnicotine Standard Nonnicotine Preferred Nicotine Standard Nicotine *Protective Life s Secure T is also eligible for TOP. 9
14 Security Connecticut Super Preferred State Farm Preferred Sun Life Super Preferred Best Standard Best Symetra Life Preferred Best Nonnicotine Preferred Plus Nonnicotine Preferred Nonnicotine Nonnicotine Standard Plus Nicotine Nicotine Transamerica Preferred Plus (TLIC and TFLIC) Standard Plus Transamerica Family Markets Preferred Elite Preferred Plus Travelers Preferred Plus 10
15 United of Omaha 1 Preferred Plus Non- Preferred Non- Standard Plus Non- Standard Non- Standard Plus United States Life Ins Co in the City of NY Preferred Plus Preferred Standard Plus Standard West Coast Life* Super Preferred Standard Plus Western Reserve Life Preferred Elite Preferred Plus Woodmen of the World Super Preferred Non- Preferred Non- Standard Non- *West Coast Life s Secure-T is also eligible for TOP. 1 Acceptance within the program will be based on providing evidence to Underwriting that the policy being topped was fully medically underwritten. This listing is just a guide. Eligibility is subject to underwriter s approval. For producer use only. Not for distribution to the public. OL
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
More informationZoom through Underwriting with TOP 15 and TOP 25
Zoom through Underwriting with TOP 15 and TOP 25 Now you can help your clients steer clear of a lengthy underwriting process and accelerate placement of a new term policy with the Transamerica Opportunity
More informationTOP 15 & TOP 25 Program Details
TERM TOP 15 & TOP 25 Program Details The Transamerica Opportunity Program (TOP) from Transamerica Financial Life Insurance Company offers qualifying clients an easier way to increase or extend their existing
More informationTOP Eligible Term Carriers
The following is a comprehensive list of qualifying Term carriers for the Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company.
More informationStandard or Better TOP. Available Maximum Face Amount per Lifetime
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
More informationStandard 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
More informationTOP and TOP Plus Programs 1
TOP and TOP Plus Programs If clients have been sold a term policy within the past 5 years and have been fully underwritten by an eligible carrier CLICK on the buttons below to view TOP and TOP Plus eligibility.
More informationPreferred 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
More informationTOP and TOP Plus. Standard or Better
TOP and TOP Plus Program Details PRODUCT TransTerm SM Two Programs with Accelerated Underwriting Transamerica Life Insurance Company now offers two accelerated underwriting programs that enable qualifying
More informationEXTERNAL EXCHANGE / CONVERSION PROGRAMS
Carrier Program Type of Program Exchange Products EXTERNAL EXCHANGE / CONVERSION PROGRAMS Issue Ages (on New Product) Minimum Face Maximum Face Original Policy Issue (Prior to Exchange) 01-2013 Original
More informationTERMout 1. JUMPin Additional Insurance Program. Exceptional Underwriting Programs From National Life Group Available Through 12/31/2013
Exceptional Underwriting Programs From National Life Group Available Through 12/31/2013 TERMout 1 Term Insurance Conversion Program Convert term from companies on our approved list with reduced underwriting
More informationLicensed Companies filing on Life/Health Blank Ordinary Annuity Business in Mississippi for Year Ended 12/31/2003
Licensed Companies filing on Life/Health Blank Ordinary Annuity Business in Mississippi for Year Ended 12/31/2003 Premiums Market Annuity Lincoln National Life Insurance Company, The 93,252,084 12.11%
More informationWatch Date List List LT FSR
Issuer LT FSR ST FSR Outlook Watch Date List List AIG Annuity Insurance Company Aa1 STA AIG Life Insurance Company Aaa STA AIG SunAmerica Life Assurance Co Aaa P-1 STA AXA Equitable Life Insurance Aetna
More informationProducer Guide. External Term Conversion Program LIFE INSURANCE UPDATED DECEMBER 2012
External Term Conversion Program LIFE INSURANCE Producer Guide UPDATED DECEMBER 2012 External Term Conversion Overview Through the External Term Conversion program, MetLife 1 will allow a conversion from
More informationAUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION INFORMAL INQUIRY NAME DOB SEX TOBACCO USE
INFORMAL INQUIRY NAME DOB SEX TOBACCO USE ADDRESS CITY, STATE, ZIP HEIGHT WEIGHT SS# PLACE OF BIRTH DL# INSURANCE AMT $ PLAN OF INSURANCE (UL/SUL/TERM) INSURANCE IN-FORCE $/ INSURANCE CARRIERS REPLACEMENT/1035?
More informationORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS...
YEAR 2011 ORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS... 5 ORDINARY ANNUITIES BUSINESS... 6 GROUP ANNUITIES BUSINESS...
More informationCHOLESTEROL. Super Pref 0-70 4.5 220 Treated or untreated
Best Risk Classification John Hancock Super Pref 71+ n/a 280; HDL>40 (All products) Super Pref 71+ n/a 150-250; HDL>45 ING (Males Only) Super Pref 61+ 6.0 300 ING (Females Only) Super Pref 61+ 5.5 300
More informationLife Insurance Product Recommendation Guide
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
More informationWisconsin Market Shares 2002
1 CUNA MUTUAL LIFE INS CO 7.7 389,117,728 2 ALLIANZ LIFE INS CO OF NORTH AMERICA 5.3 268,593,809 3 LINCOLN NATIONAL LIFE INS CO THE 5.0 252,049,598 4 TRANSAMERICA LIFE INSURANCE CO 4.6 229,208,086 5 THRIVENT
More informationApproved Annuity and Insurance Carriers
Approved Annuity and Insurance Carriers Revised February, 2010 - Internal Use Only *Top Companies * Underwriting * Products * Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART
More information2008 Georgia Individual Guaranteed Renewable A&H writers - Life Insurers, P&C Insurers, Health Insurers, HMOs
(This report is presented in descending order, by ) 54801 Blue Cross Blue Shield of Ga Inc 570,668,185 60380 AFLAC 182,697,185 96237 Kaiser Found Hlth Plan of GA Inc 87,745,778 70025 Genworth Life Ins
More informationEEA Life Settlements Fund PCC Limited
EEA Fund Management (Guernsey) Limited EEA Life Settlements Fund PCC Limited Portfolio Statistics as at 31 March 2012 Valuation of the net asset value of all classes of participating shares in EEA Life
More informationLife 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
More informationInformal Inquiry Not an Application for Life Insurance
Print Form Informal Inquiry Not an Application for Life Insurance Date: Producer: Face Amount: Product Type: PERSONAL INFORMATION Applicant: Male Female DOB: SS#: Driver s License #: Place of Birth: Street
More informationORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS...
YEAR 2014 ORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS... 5 ORDINARY ANNUITIES BUSINESS... 6 GROUP ANNUITIES BUSINESS...
More informationLicensed Companies filing on Life/Health Blank Ordinary Life Business in Mississippi for Year Ended 12/31/2008
Licensed Companies filing on Life/Health Blank Ordinary Life Business in Mississippi for Year Ended 12/31/2008 Premiums Market Death State Farm Life Insurance Company 48,151,576 5.98% 21,763,634 Southern
More informationLicensed Life Writers in Virginia in 2014
d Life Writers in Virginia in 2014 Rank 1 0869 66168 MINNESOTA LIFE INSURANCE COMPANY $263,873,272 6.81% 6.81% 2 0860 67091 NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY THE $234,141,171 6.04% 12.85% 3 0241
More informationTerm - Level Term Period
Protective Custom Choice UL 8-14 $451.17 The policy may be replaced (subject to contract terms) without evidence of insurability with any company designated permanent plan of life insurance. The replacement
More informationOTHER ACCIDENT ONLY BUSINESS... 22 ALL OTHER A&H BUSINESS... 23 TOTAL OTHER INDIVIDUAL CERT... 24
ORDINARY LIFE BUSINESS... 1 CREDIT LIFE BUSINESS... 2 GROUP LIFE BUSINESS...... 3 INDUSTRIAL LIFE BUSINESS... 4 TOTAL LIFE BUSINESS... 5 ORDINARY ANNUITIES BUSINESS...... 6 GROUP ANNUITIES BUSINESS...
More informationAll Companies - All Products
Selected Features: Accordia Life - Accordia Term Convertible to any permanent plan of insurance offered by the company without evidence of insurability, in the level term period or to age 75, if earlier.
More informationLincoln Special Exchange Program
Lincoln Special Exchange Program External term to perm Make the switch to affordable guaranteed protection If your clients want more than what their term policies offer, now s a great time to step up to
More information2008 Ordinary Life Overhead Expense Study
Prepared by: David N. Cook, FSA Glenn W. Ezell 2008 Ordinary Life Overhead Expense Study , whose corporate offices are in Seattle, serves the full spectrum of business, financial, government, and union
More informationCompletion of a fact finder will accelerate the underwriting process
QUICK FACT-FINDER TOOLS All personal information protected by HIPPA regulations (see HIPPA form attached with supplemental forms) Completion of a fact finder will accelerate the underwriting process Name:
More informationLargest Life Insurers, by Total Assets, 2010 (thousands)
11INDUSTRY RANKINGS The U.S. life insurance industry is made up of more than nine hundred companies with sales and operations across the country. Many of these companies are standalone entities, with no
More informationSmoker/Non-Smoker Guidelines
Page 1 of 8 American General Preferred Plus Non-Tobacco: No tobacco for 5 years Preferred Non-Tobacco: No tobacco for 3 years Standard Plus: No tobacco for 1 year Standard Non-Tobacco: No tobacco for 1
More informationUSI Master Policy Information
Policy I.D. Gender A.B. (#327) M 86 United of Omaha $ 1,000,000.00 A.B. (#430) - (#436) M 86 Metlife $ 2,000,000.00 A.G. #1 (#371), (#610), (#624) M Conseco Life $ 3,125,000.00 10/Apr/10 A.G. #2 (#380),
More informationLife Settlement application and Checklist
and Checklist Page 1 of 7 Life Settlement Checklist Please make sure to complete each section in its entirety. Missing information will delay our ability to market your case and ultimately secure a settlement
More informationInformal Inquiry. Name Soc. Sec. # BISYS Agent ID Phone No. Address City State Zip Fax No. Email Address
page 1 of 5 Preliminary Inquiry Not an application for life insurance. This Informal Inquiry form is used exclusively to gather specific information on a proposed insured s medical history and other factors
More informationTERM LIFE INSURANCE. Carrier Name of Product Issue Ages Minimum Face Amount Riders
TERM LIFE INSURANCE Carrier Name of Product Issue Ages Minimum Face Amount Riders American General AG Select - a - Term AG ROP Select-a-Term 10 Year: 20-70 15 Year: 20-70 16 Year: 20-70 17 Year: 20-70
More informationState of Oregon Office of Insurance Commissioner 2014 Oregon Market Share Line of Business: Life - Life Insurance
2014 Oregon Page 1 of 9 4 Ever Life Ins Co 80985 IL $0 $0 $23 $0 $23 0.00% 5 Star Life Ins Co 77879 LA $90 $0 $1,374 $0 $1,464 0.13% AAA Life Ins Co 71854 MI $1,847 $0 $2,076 $0 $3,923 0.34% Ability Ins
More informationFlorida Office of Insurance Regulation. 2013 Report on Life Insurance Limitations Based on Foreign Travel Experiences
Florida 2013 Report on Life Insurance Limitations Based on Foreign Travel Experiences March 1, 2013 EXECUTIVE SUMMARY The Freedom to Travel Law, Section 626.9541(1)(dd), Florida Statutes, enacted in 2006,
More informationMichigan Life & Health Insurance Guaranty Association
Michigan Life & Health Insurance Guaranty Association 1640 Haslett Road, Suite 160 Haslett, MI 48840-8683 telephone 517-339-1755 fax 517-339-5500 email jcolpean@milifega.org To: Member Company Michigan
More information2004 Consumer Complaint Ratio Report
Consumer Report A Consumer s Guide to s Against Kansas Insurance Companies Home Table of Contents Message from Commissioner Praeger 2 About the Report 3 Auto User s Guide 4-5 Report Limitations 6 Accident
More informationBuild Guidelines 9/2015
Accordia Life Term Products: Accordia Life Permanent Products: AIG Genworth Financial Companies Ages 0-64 Genworth Financial Companies Ages 65+ Legal & General America *For all underwriting classes, half-inch
More informationGuarantee Conversion Conversion Accelerated
10 Year Term Warehouse American General Select-a-Term 10 American National Signature Term 10 Aviva Life & Annuity Term 10 AXA Equitable Term 10 Banner OPTerm 10 Genworth Colony Term 10 ING ReliaStar TermSmart
More informationLargest Life Insurers, by Total Assets, 2014 (thousands)
11INDUSTRY RANKINGS The U.S. life insurance industry in 2014 is made up of 830 companies with sales and operations across the country. Many of these companies are stand-alone entities, with no life insurer
More informationLife Insurers, P&C Insurers, Health Insurers, HMOs
(This report is presented in descending order, by ) 79413 UNITEDHEALTHCARE INS CO 635,749,619 60054 AETNA LIFE INS CO 186,141,765 61271 PRINCIPAL LIFE INS CO 176,081,816 65978 METROPOLITAN LIFE INS CO
More informationLife Insurance Review
Life Insurance Review As a financial professional, you understand the importance of preparing for the unexpected... as well as for the inevitable. Your clients insurance portfolio should be reviewed periodically
More informationHealth Companies. Life Companies
Group A&H Written in Georgia 2009 by Various Insurer Types ( listed in descending order by premium written within company type) Health Companies Group Code Georgia 2009 Direct Premiums Written, Group Health
More informationTERM CONVERSION PRIVILEGES
Accordia Accordia American General American General American General AXA Term Annual Renewable Term Select A Term ROP Term AG Ultra One Bright Life Term Earlier of level period or age 75 Earlier of ten
More information2013 Insurer Supplier Diversity (ISD) Data Call LIST: 206 Insurance Companies Listed under Group, Arranged by Group Premium (Largest to Smallest)
2013 Insurer Supplier Diversity (ISD) Data Call LIST: 206 Insurance Companies Listed under Group, Arranged by Group Premium (Largest to Smallest) GROUP NAME (and Insurance Companies Reporting Together)
More informationHow To Get A Travel Insurance Policy
INDEX Executive Summary...3 Summary of Company Responses...4 Examinations and Consumer Complaints...7 List of Companies Asking Travel Related Questions...8 Section 626.9541(1)(dd), Florida Statutes: Life
More informationAdvantage Elite 10. Premium comparison. Competitive premiums from a highly rated company. Advantage Elite 10
Advantage Elite 10 Feale, Age 55 $1 illion face aount Copany Preferred-Select Preferred Minnesota Life $1,150 $1,430 Lincoln $1,165 $1,435 AXA $1,195 $1,495 ING Reliastar $1,195 $1,495 Genworth $1,210
More informationSmoker/Non-Smoker Guidelines
Page 1 of 7 American General Plus Non-Tobacco Non-Tobacco Standard Plus No tobacco for 5 years No tobacco for 4 years No tobacco for 3 years No tobacco for 2 years An occasional cigar smoker may qualify
More informationOPTerm 20 (guar 20) Preferred Plus Non-Tobacco NOTE: Rates Effective 10/26/2009
Banner Life + ReliaStar Life Insurance Company (ING) + Genworth Life and nnuity Insurance Company M Best Genworth Life Insurance Company M Best merican General Life Companies + Transamerica Life Insurance
More informationSALES AND SALES SUPPORT
Welcome to Crump Life Insurance Services! Offering you a world of insurance solutions and world-class service Advisor Group welcomes you to a new life insurance brokerage relationship with Crump Life Insurance
More informationC PR. Comprehensive PLUS Financial Network Policy Review
C PR Comprehensive PLUS Financial Network Policy Review A GUIDE AND UTILITIES TO ASSIST YOUR CLIENTS IN MAINTAINING LIFE INSURANCE COVERAGE TO MEET THEIR EVOLVING NEEDS C PR Comprehensive PLUS Financial
More informationReport. of the. Society of Actuaries. Mortality Table Construction. Survey Subcommittee
Report of the Society of Actuaries Mortality Table Construction Survey Subcommittee June 2007 Society of Actuaries 475 N. Martingale Rd., Ste. 600 Schaumburg, IL 60173 Phone: 847-706-3500 Fax: 847-706-3599
More informationTOTAL PAYMENTS (REFUNDS) IN 2004
NAIC # COMPANY NAME TOTAL PAYMENTS (REFUNDS) IN 2004 AMOUNT OF TAX CREDIT TAKEN IN 2004; PAID IN 2004 AMOUNT OF TAX CREDIT TAKEN IN 2004; PAID IN 2003 10367 AVEMCO INSURANCE CO (322,417.43) 10642 CHEROKEE
More informationA Review of the Advisors Resource, LLC Business Opportunity
welcome. At Advisors Resource, we are very excited about forming this partnership with you.the following pages provide a general overview of how we can help your business succeed. Please don t hestitate
More informationMissouri Department of Insurance, Financial Institutions & Professional Registration 2008 Complaint Report Life Insurance & Annuities
Report Life Insurance & Annuities Indices 100 Report Life and Annuity Indices Code Name s Annual 77879 5 Star Life Insurance Company 0 $1,761,642 0.0% 0 71854 AAA Life Insurance Company 0 $2,279,598 0.0%
More informationBuild Guidelines 1/2015
Accordia Life Term Products: Accordia Life Permanent Products: AIG Genworth Financial Companies Ages 0-64 Genworth Financial Companies Ages 65+ Legal & General America Lincoln National MetLife The weights
More informationOPTerm, PennTerm and Term Rider prices are increasing with applications received September 4 and later.
A LEGAL & GENERAL AMERICA AGENCY COMMUNICATION TO: LEGAL & GENERAL AMERICA GENERAL AGENTS FROM: FRANK GENCARELLI, SVP, SALES AND MARKETING DATE: AUGUST 6, 2012 OPTerm, PennTerm and Term Rider prices are
More informationTake Advantage with Rapid App Program Program Information Guide
Take Advantage with Rapid App Program Program Information Guide INDIVIDUAL PRODUCTS DISTRIBUTION MARKETING CUSTOMER KNOWLEDGE & DEVELOPMENT For Internal Use Only Not for Distribution to the Public. Guardian
More informationNAME OF PRODUCT ISSUE AGE MIN. FACE RIDERS
TERM LIFE PRODUCTS NAME OF PRODUCT ISSUE AGE MIN. FACE RIDERS AMERICAN NATIONAL ANICO Select Term (10/15/20/30 Years) 10 Yr: 20-70 15 Yr: 20-65 20 Yr: 20-60 30 Yr: 20-50 $100,000 AMERICAN GENERAL AIG Select
More informationClient Information Name Male Female SSN - - Address (City, State, Zip Code)
Quick Quoter Informal Inquiry t an application for Life or Disability insurance This Quick Quoter from is used exclusively to gather specific information on a proposed insured s medical history and other
More informationUNIVERSAL LIFE INSURANCE
UNIVERSAL LIFE INSURANCE Carrier Name of Product Issue Ages Minimum Face Amount Riders AG Secure Lifetime (GUL) 18-80 $100,000 Children's Insurance Benefit Spouse/Other Insured Rider Terminal Illness Rider
More informationPrincipal Term Life Insurance. Affordable protection to help drive sales. Sales guide
Principal Term Life Insurance Affordable protection to help drive sales Sales guide Term insurance offers many advantages Target market Term insurance is ideal for individuals who need: > To provide money
More informationTOTAL LIFE AND ANNUITY POLICIES FOR 2012 TOTAL NUMBER OF CONFIRMED COMPLAINTS FOR 2012 COMPLAINT INDEX
2012 LIFE AND ANNUITY COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in
More informationSurvivorship Whole Life Insurance Illustrated Values
Survivorship Whole Life Insurance Illustrated Values 15 Policy Strengths Acacia Life Regent High term blendability; designed for high cash value; works well in abbreviated payment situations. John Hancock
More informationLife Insurance Portfolio. Foundations for Life. You ll discover real differences with us
Life Insurance Portfolio Foundations for Life You ll discover real differences with us For broker/dealer use only. Information contained in this booklet is not to be used with the general public. All competitive
More informationOregon Insurance Complaints
CONSUMER GUIDE AUTO HE ALTH HOMEOWNER Oregon Insurance Complaints from calendar year 2014 LIFE ANNUITIES LONG-TERM CARE Oregon Department of Consumer and Business Services Insurance Division In compliance
More informationTOTAL ACCIDENT AND HEALTH POLICIES FOR 2012 TOTAL NUMBER OF CONFIRMED COMPLAINTS FOR 2012 COMPLAINT INDEX
2012 ACCIDENT AND HEALTH COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies
More informationRegulatory Compliance Officer - Advertising Principal. National VP, Sales Development Director, Corporate Digital Communications
Company Name Adrea Rubin Marketing Inc. Adrea Rubin Marketing Inc. Advisology AIG/The Variable Annuity Life Insurance Co Allianz Life Insurance Company of NA Allstate Financial American National Family
More information2003 Complaint Statistics of Insurance Companies Showing 10 or More Complaints for Coverage Type - Private Passenger Automobile
for Coverage Type - Private Passenger Automobile AFFIRMATIVE INSURANCE COMPANY 223 83,921,675 20 1 202 0 ALLSTATE INSURANCE COMPANY 226 415,822,885 25 2 190 9 ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationCommission Grid. Whole Life UL / IUL
Whole Life UL / IUL Commission Grid American General: Elite UL 1st year 65.00% renewal 1.75% excess 1.75% Secure Lifetime GUL 1st year 65.00% renewal 1.75% excess 0.00% Elite Transition UL 1st year 40.00%
More informationPARTNERVEST CONTACTS. INSURANCE SPECIALIST Fixed Annuity, Life & LTC for ANY CARRIER
INSURANCE GROUP LLC Partnervest Insurance Group works directly with our team of Advanced Insurance Specialists who are in the field bringing you up to date planning ideas from a broad spectrum of Insurance
More informationOregon Insurance Complaints
CONSUMER GUIDE AUTO HE ALTH HOMEOWNER Oregon Insurance Complaints from calendar year 2013 LIFE ANNUITIES LONG-TERM CARE Oregon Department of Consumer and Business Services Insurance Division About the
More informationPRELIMINARY INSURANCE EVALUATION
THIS PRELIMINARY INSURANCE EVALUATION is a request to the various Insurance Companies and organizations listed on the enclosed authorization to obtain and disclose information. By completing the questions
More informationCurrently, the implementation date is scheduled for November 30, 2004. 1
The following list shows vendors who have indicated an interest to register with the 403bCompare Web site as of 09/02/2004. 403bCompare Vendor Vendor Name Number 1161 A.G. Edwards & Sons, Inc 1028 Acacia
More informationApproved Annuity and Insurance Carriers
Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term Fixed Annuities
More informationfinancial strength benchmarking of life insurance competitors
financial strength benchmarking of life insurance competitors HC 1001 5-13 financial strength benchmarking of life insurance competitors Ameritas Mutual Holding Company s (Ameritas) core financial strength
More informationHow To Disclose Your Compensation From A Company To You
Additional Compensation/Conflict of Interest Disclosure Statement At Centaurus Financial, Inc. ( Centaurus, we, or our ) we receive additional compensation from numerous sources related to investment products
More informationAccordia Life Assumption Mailings Start in July Learn more. Time Tested Experience Learn more. Financial Perks of Turning 50 Learn more.
Accordia Life Assumption Mailings Start in July Now that Accordia Life has been launched, they will begin transitioning in-force life insurance policies from Athene (previously Aviva) to Accordia Life.
More informationJ.D. Power Reports: Gen Y Least Satisfied among Generational Segments with Homeowners and Renters Insurance
J.D. Power Reports: Gen Y Least Satisfied among Generational Segments with Homeowners and Renters Insurance Amica Mutual Ranks Highest in Homeowners Insurance Customer Satisfaction; GEICO Ranks Highest
More information[REPORT3S] CONNECTICUT STATE INSURANCE DEPARTMENT PAGE 1 DATE 10/03/2006
[REPORT3S] CONNECTICUT STATE INSURANCE DEPARTMENT PAGE 1 771 AAA Mid Atlantic Ins Group Keystone Insurance Company 626 ACE Ltd ACE American Insurance Company ACE Fire Underwriters Insurance Company ACE
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationReport of the Individual Life Insurance Experience Committee
Page Report of the Individual Life Insurance Experience Committee Mortality under Standard Individually Underwritten Life Insurance Between 00 and 004 Policy Anniversaries Introduction This study is the
More informationHospital Indemnity Equitable/Heartland National GTL Medico Washington National. Cancer GTL Medico UTA Washington National
Medicare Supplement Aetna Health and Life Ins. American Continental/ Central States Indemnity Continental Life Anthem (BC/BS) Cigna American Retirement Life Insurance Company Equitable Forethought GPM
More information2014 LOMA Customer Service Conference Attendee List
2014 Customer Service Conference Attendee List ALFA Insurance American Equity American Equity American Fidelity Assurance American Fidelity Assurance American General Life American General Life Ameritas
More informationPacific Prime sm Term
Pacific Prime sm Term Life Insurance Available in 10-, 15-, 20-, and 30-Year Level Premium Periods Product Guide for Life Insurance Producers Highlights $250,000 for $10 a Month Sample of Pacific PRIME
More information2014 LIFE AND ANNUITY COMPLAINT INDEX
2014 LIFE AND ANNUITY COMPLAINT INDEX Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in
More informationApproved Annuity and Insurance Carriers
Corporation Approved Annuity and Insurance Carriers Top Companies. Underwriting. Products. Compensation Universal Life Whole Life Survivor Annual Renewable Term (ART) Level Term 5-10-15-20-25-30 ROP Term
More informationMEMBER OFFICE INFORMATION. Agent Name: Phone: Email: PLAN INFORMATION. Type of Insurance: o TERM o UL Face Amount Desired:
I n f o r m a l I n q u i r y PLEASE SEND THE COMPLETED INQUIRY VIA EMAIL TO: CPEPE@TOLIGROUP.COM VIA FAX TO: 866.240.7557 OR VIA MAIL TO: ATTENTION UNDERWRITING DEPARTMENT 2035 CROCKER RD. STE. 105 WESTLAKE,
More informationTerm Conversion GUIDE TO DOING BUSINESS (AS OF JULY 2015)
Term Conversion GUIDE TO DOING BUSINESS (AS OF JULY 2015) This guide outlines the eligible products, rules, procedures, and underwriting criteria for converting term policies issued by Transamerica Life
More informationAIS CARFAGNO INSURANCE SERVICES - Trial Submission Datasheet Instructions on how to get the most out of your Informal Inquiries:
AIS Instructions on how to get the most out of your Informal Inquiries: 1.) 2.) 3.) 4.) In addition to the completed datasheet, all inquiries and cases that are to be shopped Informally by Carfagno Insurance
More informationService Standards: Trial Application Process
Service Standards: Trial Application Process QUALIFICATIONS REQUIRED TO MEET TRIAL PROCESS Initial meeting has occurred between agent and the client and the trial need has been identified. Anticipated
More informationSenior Account Executive. Privacy Officer. Vice President, Life & Health Insurance
Title Senior Account Executive Privacy Officer, Life & Health Insurance Sales Executive Director, Insurance and Healthcare Analytics Group and Global Head of Consulting & Analytics VP Consulting & Analytics
More information