Eldercare Insurance - Final Expense Companies

Final Expense Companies

Continental Life Final Expense

Whole Life Benefits: Level, Graded, Modified
Ages: 45-89
No Height & Weight Chart or MIB
Non-forfeit options available
Jet Approval Process

Accendo Final Expense

Individual Whole Life Insurance with Level Plans and a Modified Plan
Issue ages 40 - 89
NO Height Weight Chart
Clients can qualify Super Preferred Rate
Child's Term Rider and Cash Value Flexibility

Aflac Final Expense

Straightforward eligibility determined by answers to a few medical questions.
Flexible coverage amounts to help meet policyholder needs.
Ease of premium payments by matching client’s Social Security deposit schedule.
Strong commission levels that are competitive and appealing.

American Amicable

American Amicable Group of Companies

Primary focus and market niche is in simplified issue life products
Predominately either final expense or term

AIG

GIWL Product with up to 25,000 and Built In Chronic/Terminal Benefits
Level Term / Universal Life / Index Universal Life
In Business 160 years
Ages: 20-85

SimpliNow Legacy

Instant Decision and Instant Issue Product
Level and Graded Benefit Options
Death benefit coverage from $5k-$35k

American Home Life Patriot Series

Best in Class eApp Process
No Phone Interview
Agent Bonuses

American Memorial Life/Assurant Health

Banner Life Insurance Company(Final Expense)

Christian Fidelity

Excellent Rates
48 Hour Turnaround Time on Application Issue
Fax Application Process
Point of Sale Phone Interview Available

Loyal American Insurance Company

Level and Modified Benefits
Ages: 50-85
5% spousal premium discount

Citizens Life

Columbian Financial

Great Western Final Expense

Level Benefits and Graded Benefits Ages 40 - 80
Face Amounts $1,000 - $40,000
Premiums will never change during the life of the policy
Graded Benefits = Guaranteed Issue

KSKJ Life

Lafayette Life Ins Co

Lafayette Life Ins Co

Legacy Safeguard

Liberty Bankers Life

Minimum Policy $3,000
Maximum Policy $30,000
Issues Ages 18-80
B Rated Company

Lumico Final Expense

Preferred, Standard and Modified Levels
Simplified Issue Underwriting
No Policy Fee, No Modal Factors, No Premium Bands
Age 50 - 85 for Tiers 1 and 2. Age 50 - 80 for Tier 3.

Medico_Wellabe

Available for ages 50 to 85 and payable on death
Age 50 to 70 -- $2,000 to $50,000
Age 71 to 85 -- $2,000 to $25,000

Mutual of Omaha

Whole Life: Ages 45 - 85 / $2,000 - $25,000 / No Medical Exam
Term Life: Ages 18 - 80 / $100,000 plus
Universal Life: Possible Over Age 85 / Accelerated Death Benefit / Build Cash Value

National General Life

National Guardian Life Final Expense

Nationwide

North American

Classic Term: Competitive Rate / 10 and 15 year levels
ADDvantage Term: ADBE qualify for critical illness
ADDvantage Term: Conversion Privilege / Comprehensive Coverage
SimpleSubmit eApp and WriteAway Underwriting

Pekin Life Insurance Company

Rated A- (Excellent) by A.M. Best
No Telephone Interview
12-month Rate Guarantee
Established in 1965

Phoenix Life

Simplified Issued Life Product
Annual Birthday Gift (Legacy) Rider
Lump Sum Death Benefit
Optional Income Stream

S USA Life Insurance

Golden Promise® (offered in NY by SBLI USA) and New Vista® (offered elsewhere by S.USA)
Max Face Amount: $35,000
Voice Signatures, E-Apps, and Mobile App

Royal Neighbors Life and Annuity

Whole Life and Youth Whole Life
Single Premium Whole Life
Simplified Issue Whole Life
Term Life: 15, 20, 30 years
A True Point-Of-Sale Process

United of Omaha Living Promise

Level Benefit / Ages 45 - 85 / $2,000 - $40,000
Graded Benefit / Ages 45 - 80 / $2,000 - $20,000
Simplified Underwriting
Build Chart / MIB / Pharmaceutical Check / Random Phone Interview

American Home Life

Product for Ages 0-85
Final Expense & Term
Guarantee Issue Product
Strong Foundation Since 1909

Americo

Guaranteed Coverage in Select States
Pipe/Cigar smokers qualify for non-smoker rates
48 Hour turnaround time on application issue
Fax Application Process

Baltimore Life

A Rated by AM Best
Phone Application(100% phone sale process)
Same Day Application Issue
Silver Guard for Ages 50-80 & Secure Solutions for Ages 0-80

Foresters

A Rated by AM Best
Been in business over 135 years
Numerous Member Benefits including the annual awarded scholarships
Whole Life, Term Life, & Universal Life available

Gerber Life

Guarantee Issue Product
Ages 50-80
Grow Up Plan available for Sales
On line application

Standard Life And Casualty

Ages 50-85
No graded or Modified plans available
Some of the LOWEST rates
Can fax applications

New Era Life Insurance Company

Guaranteed $5,000 Life Policy with every Issued Medsup Application
Competitive Rates
Ages 0-85
Simplified Underwriting - Yes / No Application
No Medical Exams

Oxford Life

Excellent Rates
48 Hour Turnaround time on Application Issue
Fax Application Process
Point of Sale Phone Interview available

Sentinel Security Life

Sentinel New Vantage Life Insurance has 3 different tiers
Combo Application Available with Yes / No Questions
No Required Medical Exams
Policy Fee is Fully Commissionable

Standard Life and Accident

Tele app available (NO WET SIGNATURE REQUIRED)
E & O required
Competitive rates and Commissions
Lead Program Available

Transamerica Premier

Complimentary Membership with Legacy Safeguard Planning
Competitive Rates and Great Commissions
Free leads with legacy safeguard referral system
Wal-Mart discount drug program

United Home Life

CAN submit business with contract
Ages 20-80
Offers Direct Monthly billing
Guaranteed Issue and Non Med Whole Life Available

*A.M. Best’s Financial Strength Rating is an independent opinion of an insurer’s financial strength and ability to meet ongoing obligations to policyholders. For the latest rating, access www.ambest.com.