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Product & Carrier Resources

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Carrier Overview

Key Products:

  • Term (Term Life Express)

    • 18-70 up to 300k​

  • Universal Life (Universal Life Express)

    • 18-70 up to 300k​

  • Final Expense (Living Promise Series)

    • 45-85 up to 40k​

  • G.I Accidental Death (Guaranteed Advantage)

    • 18-70 up to 500k

  • Children Whole Life (Child Whole Life)

    • 0-17 up to 50k​

Great For:

  • Universal Life- Generally Healthy. Wants Permanent Coverage but doesn't want to pay for or wants more benefit than a Whole Life / Final Expense Plan.

  • "Traditional Mortgage Protection"- The G.I AD&D benefit allows people who don't qualify for other coverage to have up to 500k if they die due to an accident. 

  • Child Policies- Best child WL coverage option. 

  • Ease of Use- Best company for issuing policies, application process etc. 

Product/Brochure Links
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Carrier Overview

Key Products:

  • Term (Vitality Term)

    • 18-70 up to 500k

    • 10-15-20-30 year options

    • 75% ROP option

    • ROP can be accessed after year 4

Great For:

  • Amounts over 400k- The SI goes up to 500k

  • Low-Cost S.I Term- Best rates for S.I.

  • Young & don't care about critical illness living benefits

  • Extra Perks- Free Fit bit, discounts to apps like headspace etc. See brochure

  • *INSTANT DECISION*- Only instant decision & Issue Term.

Product/Brochure Links
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Carrier Overview

Key Products:

  • Final Expense Whole Life (Accendo)

    • 40-89 up to 50k 

    • Graded Options Available

Great For:

  • Younger (40) people who may have health issues and can't get an IUL or Term.

  • Individuals who have a large BMI (height/weight issues)

  • Allows for diabetic depending on when and what type

  • Potential for instant decision

Product/Brochure Links
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Carrier Overview

Key Products:

  • Term (Term 100 or 125)

    • 20-75 age, 15,20,25,30 options, up to 400k​

  • Term ROP (CBO 50 or CBO 100)

    • 20-55 age, 15,20,25,30 options, up to 400k​​

  • Final Expense (Eagle Premier Series)

    • Regular- 50-80 up to 30k​

    • G.I- 50-85 up to 10k (3 year graded, 4th year 100%)

  • HMS (Home Mortgage Series, Plans for MPI)

    • Payment Protector (Term that pays monthly vs one lump sum benefit)

      • 20-75 age, 15,20,25,30 options, up to 400k​​

    • HMS Continuation (Term insurance with whole life after term ends)

      • 20-65 age, 15,20,25,30 options, up to 400k​​

Great For:

  • ROP Term Product- Generally Healthy Young to middle aged. Wants living benefits

  • Final Expense- Generally Healthy. Wants living benefits.

  • Selling on Value- Critical Illness Rider, Whole Life after Term ends, Disability Income Rider.

Product/Brochure Links
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Carrier Overview

Key Products:

  • Guaranteed Issue Final Expense Whole Life 

    • 50-80k up to 25k

Great For:

  • People who don't qualify for other coverage.

Product/Brochure Links
Carrier Phone Numbers

  • Americo: 800-231-0801

  • Mutual of Omaha: 800-867-6873

  • AIG/ American General: 800-677-3311

  • John Hancock: 877-606-7779

  • Aetna: 866-272-6630

  • Prosperity: 855-321-2755

How to determine what to write?

  1. Let them know you need to get info about them prior to showing product to see what they qualify for. (Customer quote worksheet)
  2. Check the underwriting guides/cheat-sheets
  3. Based upon health status, determine what they cannot qualify for. Then find out if they want term or permanent coverage. 
  4. Present what options are available.
  5. Still have questions? Reach out to your manager or use the WhatsApp Hotline below.
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