Allegis for Life: 3 things to consider

Hello – 
People are thinking about protection and insurance! Over the last several years, life insurance carriers have made significant strides in platforms and processes that allow for advisors and clients to continue to conduct business at a distance with electronic submission, electronic or voice signatures, and electronic policy delivery. The following are just three examples, from a broader list of options, to consider for this current business climate:

  1. SBLI: Guaranteed Accelerated Underwriting (Clients: Age 18-60, up to $500,000 | Term and Whole Life)
    SBLI has a competitive term product and a whole life product with an accelerated underwriting program that will never require an exam for insureds fitting the age and face amount limits. Applications simply require a telephone interview and they guarantee no one will be redirected to their traditional underwriting process.  For your clients, age 18-60, who are seeking Term Insurance (10, 15, 20, 25 or 30) or Whole Life Insurance (participating) up to $500,000 death benefit and for all risk classes and table ratings be sure to check out SBLI.
    Download the PDF for details >
     

  2. PACIFIC LIFE: Smooth Sailing Underwriting (Clients: Age 50-69, up to $1,000,000 | Term and Guaranteed Universal Life)
    PacLife has a competitive term product and a competitive GUL product with guaranteed return of premium options. Even for insureds who may be too old for accelerated underwriting, PacLife has a straightforward process where an APS is used in place of an exam or lab requirement. For your clients, age 50-69, who have met with their physician within the last 18 months, and are seeking either Term Insurance or Guaranteed Universal Life coverage up to $1,000,000 be sure to check out Pacific Life’s Smooth Sailing Program. 
    Download the PDF for details >
     

  3. AIG: Max Accumulator+ (Clients: Age 0-50, face amounts $50,000 - $499,000 | Indexed Universal Life)
    AIG has a competitive low-cost IUL without exam requirements for your clients, age 0-50 seeking up to $499,999 of coverage which can be issued with an increasing death benefit. Check out AIG’s Max Accumulator+ IUL For eligible insureds, there is no physical exam, no lab tests, and potentially no Attending Physician Statement (APS); and it’s available for online processing.
    Download the PDF for details >

Contact us for more information on these, and other, options for filling the high demand for insurance products during this difficult time.

Layne Turner