Frequently Used

Non-Med Term

[expand title=""]CFG Safeshield
- 15, 20 and 30-Year level term
- Ages 18-65
- $25,000-$250,000 face
- Best Disability income rider
- No mortgage/life event requirement
- Return of premium available at 50% and 100% on 20 and 30-year plans
- ROP at 50% is available on 20-Year up to age 60
- No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death
- Convertible
- No E&O insurance required
- E-app available
- 3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness)

Foresters Strong Foundation
- 15, 20, 25 and 30-Year level term
- Ages 18-70
- $20,000 - $250,000 face
- No mortgage/life event requirement
- Member benefits good for dependents
- Non-smoker rates for cigar, pipe, chewing tobacco, electronic cigarettes, patch, gum users (all except cigarettes)
- No Return of premium available
- Convertible
- No E&O insurance required
- E-app available
- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

Phoenix Safe Harbor Term Life Express
- 10, 15, 20 & 30-Year level term
- Ages 18-80
- $25,000 to $400,000 face
- 4 Living Benefit riders available at no additional premium (terminal illness, critical illness, chronic illness & unemployment waiver of premium)
- No mortgage or life event requirement
- Point of sale underwriting available with telephone interview
- Convertible[/expand]

Final Expense/ High Risk

[expand title=""]Transamerica Solutions
- Ages 0-85
- $1,000 to $50,000 face
- Liberal underwriting
- good for insulin dependent diabetics (depending on age) & COPD/emphysema
- no height/weight requirements ages 45-85
- no phone interview
- 10-Pay available for full benefit plan
- No E&O insurance required
- Child/Grandchild rider available up to $5k with NO health questions

CFG Classic Choice
- Ages 25-85
- $2,500 - $25,000 face
- No E&O insurance required
- Phone interview on Classic I only
- Good product for cancer over 2 years ago
- E-app available

Foresters PlanRight
- Ages 50-85
- $2,000 - $35,000 face
- Phone interview must be done at point of sale, with an underwriting decision at point of sale
- Member benefits
- No E&O insurance required for one year

Mutual of Omaha Living Promise
- Ages 45-85
- $2,000 to $40,000 face
- no phone interview
- No E&O insurance required
- E-app available

Phoenix Remembrance
- Ages 30-80
- $10,000 to $100,000 face, depending on age
- Level benefit only (table 6)
- Terminal illness, critical illness & accidental death benefits at no additional cost
- phone interview & underwriting can be completed at point of sale or entire paper app can be submitted with no phone interview

Kemper Guaranteed Issue Whole Life
- Ages 40-80
- face amounts available from $2,000 to $25,000
- graded benefit in first 2 years (ROP + 20% interest)
- no health questions

NGL Guaranteed Issue Whole Life
- Ages 40-80
- face amounts available from $2,500 to $25,000
- graded benefit in first 2 years (ROP + 10% interest)
- no health questions

Great Western Guaranteed Assurance
- Guaranteed issue (no health questions)
- Ages 40-80
- face amounts available from $1,000 to $40,000
- Graded benefit in first 2 years is ROP + 10%
- no cost spousal benefit rider - pays extra $1,000 at death of first spouse (restrictions apply)
- face amounts available from $1,000 to $40,000
- child/grandchild rider available for $1 mo with no health questions on child

Great Western Assurance Plus
- Only 3 health questions for full death benefit
- Ages 40-80
- face amounts available from $1,000 to $40,000
- Full death benefit beginning year 1 pays 120% of the face amount
- no cost Spousal Benefit rider - pays extra $1,000 at death of first spouse (restrictions apply)
- no cost Accelerated Death Benefit rider for terminal illness & chronic illness
- Child/grandchild rider available for $1 mo with no health questions on child[/expand]

Accidental

[expand title=""]Mutual of Omaha Guarantee ADvantage
- Ages 18-70
- $50,000 to $500,000 face
- guarantee issue accidental death
- no health questions
- spouse & children coverage available
- ROP available
- coverage to age 80
- non-cancel able
- Need a health insurance license to sell
- Common Carrier and Auto/Pedestrian Benefits
- E-app available

Foresters Prepared
- Ages 18-60
- $50,000 to $300,000 face
- simplified issue accidental death
- 3 questions to qualify
- ROP & DI riders available
- coverage to age 75
- non-cancellable
- Need a health insurance license to sell (except in FL & IN)

Transamerica Acci-Protector
- ages 20-60
- $50,000 - $250,000 face
- simplified issue accidental death & dismemberment
- 10 questions to qualify
- spouse coverage available
- Includes built in Return of Premium benefit
- coverage to age 75
- non-cancelable
- need a health insurance license to sell[/expand]

Children's Whole Life

[expand title=""]Mutual of Omaha Children's Whole Life
- Ages 14 days to 17 years
- $5,000 - $30,000 face
- Only 2 health questions
- Guaranteed insurability provision
- Nontobacco rates even for cigarette smokers
- Grandparents can purchase without parents signature (except in FL & PA)
- One app for up to eight children

Foresters Advantage Plus Whole Life
- Ages 0-75
- $25,000 - $250,000 face
- simplified issue
- Guaranteed Insurability rider available
- E-app available
- 20 pay option
- member benefits
- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

Transamerica Solutions Whole Life
- Ages 0-85
- $1,000 to $50,000 face
- Liberal underwriting
- no phone interview
- 10-Pay available for full benefit plan
- No E&O insurance required

Guaranteed Issue

Kemper Guaranteed Issue Whole Life
- Ages 40-80
- face amounts: $2k, $3k, $4k, $5k, $7,500, $10k, $15k, $20k & $25k
- graded benefit in first 2 years (ROP + 20% interest)
- no health questions

NGL Guaranteed Issue Whole Life
- Ages 40-80
- face amounts available from $2,500 to $25,000
- graded benefit in first 2 years (ROP + 10% interest)
- no health questions

NGL AssetGuard
- Ages 0-99
- Single pay, 3 yr, 5 yr, 7 yr and 10-year pay plans (vary by issue age)
- Guaranteed issue & simplified issue
- Good for under age 40 & over age 85 who need guaranteed issue
- Trust is NOT required

Great Western Guaranteed Assurance
- Guaranteed issue (no health questions)
- Ages 40-80
- face amounts available from $1,000 to $40,000
- Graded benefit in first 2 years is ROP + 10%
- no cost spousal benefit rider - pays extra $1,000 at death of first spouse (restrictions apply)
- face amounts available from $1,000 to $40,000
- child/grandchild rider available for $1 mo with no health questions on child

Great Western Assurance Plus
- Only 3 health questions for full death benefit
- Ages 40-80
- face amounts available from $1,000 to $40,000
- Full death benefit beginning year 1 pays 120% of the face amount
- no cost Spousal Benefit rider - pays extra $1,000 at death of first spouse (restrictions apply)
- no cost Accelerated Death Benefit rider for terminal illness & chronic illness
- Child/grandchild rider available for $1 mo with no health questions on child[/expand]

Simplified Issue Universal Life

[expand title=""]Mutual of Omaha Guarantee Universal Life Express
- Ages 18-65
- $50,000 - $300,000 face
- Only simple issue guarantee UL in market
- Term alternative for older ages
- not a cash accumulation product
- guaranteed insurability at no cost
- additional no cost riders
- Can guarantee coverage from a minimum of 20 years to a maximum of up to age 120

Foresters SmartUL
- Ages 0-75
- $25,000 - $250,000 face
- cash accumulation product UL with competitive interest rate
- member benefits good for dependents
- Can be used for tax-free retirement income
- E-app available[/expand]

Annuities

[expand title=""]American Equity Advantage Gold
- Fixed Indexed Annuity
- Ages 18-80
- minimum $5,000 premium
- 5% immediate bonus
- 10 yr surrender charges
- no fee income rider & options with fee

American Equity Bonus Gold
- Fixed Indexed Annuity
- Ages 18-80
- minimum $5,000 premium
- 10% immediate bonus
- 16 yr surrender charges
- no fee income rider & options with fee

American Equity Foundation Gold
- Fixed Indexed Annuity
- Ages 18-80
- minimum $5,000 premium
- 7% bonus vested over 10 years
- 10 yr surrender charges
- 5% penalty-free withdrawals after 1st yr
- no fee income rider & options with fee

American Equity Retirement Gold
- Fixed Indexed Annuity
- Ages 18-78
- minimum $5,000 premium
- 8% bonus vested over 14 years
- 10 yr surrender charges
- no fee income rider & options with fee

American Equity Traditions Gold
- Fixed Indexed Annuity
- Ages 18-80
- minimum $5,000 premium
- no bonus
- higher caps
- 10 yr surrender charges
- no fee income rider & options with fee

American Equity Guarantee Series
- Ages 18-85
- minimum $10,000 premium
- 5, 6 & 7 yr fixed annuities
- great alternative to CDs
- 5, 6 & 7 yr surrender charges
- no income rider available

American Equity Premier Eagle 12
- Ages 18-78
- minimum $5,000 premium NQ, $2,000 Q
- fixed annuity (not indexed)
- 8% bonus vested over 14 years
- 10 yr surrender charges
- no fee income rider & options with fee

American Equity Premier Eagle 10
- Ages 18-80
- minimum $5,000 premium NQ, $2,000 Q
- fixed annuity (not indexed)
- 10% immediate bonus
- 10-15 year surrender charge
- no fee income rider & options with fee

American Equity Single Premium Immediate Annuity (SPIA)
- Ages 18-90
- minimum $10,000 premium
- immediate income stream
- no access to remaining lump sum deposit

F&G Accumulator Plus
- Ages 0-85
- minimum $10,000 premium
- no bonus
- high caps for accumulation
- both 10 & 14 year surrender periods available
- income rider at 6.75% for up to 20 years with fee

F&G Index Choice 10
- Ages 0-85
- minimum $10,000 premium
- 3% immediate bonus
- 10 year surrender charges
- Income rider at 6.5% for up to 20 years with fee

F&G Index Safety 7
- only available in NY
- Ages 0-85
- minimum $10,000 premium
- no bonus
- 7 year surrender charges
- 10% penalty free withdrawals after 1st year
- no income rider

F&G Prosperity Elite
- Ages 0-85
- minimum $10,000 premium
- various bonus
- 7, 10 or 14 yr surrender charges
- high caps
- Income rider at 6.5% for up to 20 years or 18% bonus, both with fee
- DB enhancement

F&G Safe Income Plus
- Ages 0-80
- minimum $10,000 premium
- 10 year surrender charge
- income rider at 6.5% for up to 10 years, with 0.95% fee
- impairment rider (doubles income)

F&G Retirement Pro
- Ages 0-80
- Fixed annuity (not indexed)
- minimum $10,000 premium
- 5% or 7% vested bonus (depending on state)
- 10 or 12 years surrender charges (depending on state)
- No charge lifetime income rider
- Benefit base for INCOME rider can be based on indexed interest crediting

F&G Guarantee 3, 5 & 7
- Ages 0-90
- minimum $10,000
- 3, 5, & 7 yr surrender charges
- great alternative to CDs
- 3, 5, & 7 yr fixed annuities
- No income rider

F&G Immediate Income SPIA
- Ages 0-100
- minimum $10,000 premium
- immediate income stream
- no access to remaining lump sum deposit

Phoenix Personal Income Annuity
- Ages 0-85
- minimum $15,000 premium
- no bonus
- 10 yr surrender charge
- good only for clients wanting income
- income rider with up to 45% bonus or 14% simple interest accumulating for 10 yrs
- can get income 1st yr, if age 50+

Phoenix Personal Protection Choice
- Ages 0-85
- minimum $15,000 premium
- 10 year surrender charges
- enhanced death benefit & chronic care riders available with fee
- income rider

Phoenix Personal Retirement Annuity
- Ages 0-80
- minimum $15,000 premium
- bonus of 8-15% vested for 10-13 yrs depending on state
- 10-12 years surrender charges
- income rider at 8% for up to 24 years with fee[/expand]

Single Premium Whole Life

[expand title=""]Balitmore Single Premium Whole Life
- Ages 50-85
- minimum single premium of $5,000
- POS underwriting
- excellent way to increase money set aside to pass on to heirs tax-free
- no medical exam
- accelerated benefit for terminal illness, nursing home & extended care (adult day care, home health)

Baltimore Generation Legacy
- Ages 60-80
- minimum single premium of $5,000
- POS underwriting
- no medical exam
- used to transfer non qualified annuities or qualified funds into life insurance to pass to heirs tax-free
- combination of a SPIA & WL contracts
- accelerated benefit for terminal illness, nursing home & extended care (adult day care, home health)

Foresters Your Legacy SPWL
- Ages 0 - 85
- minimum single premium $1,500 to $10,000, depending on age
- death benefit can increase with dividends
- POS underwriting
- excellent way to increase money set aside to pass on to heirs tax-free
- no medical exam
- 3 living benefit riders at no additional premium (terminal illness, critical illness & chronic illness)
- Member benefits[/expand]

Simplified Issue Index Universal Life

[expand title=""]Phoenix Simplicity
- Ages 18-70
- $50,000 - $300,000 face
- Only non-med IUL for tax-free retirement
- Risks to Table 4 are acceptable
- tax-free retirement income
Fully Underwritten Index Universal Life

F&G Life Choice
- Ages 0-75
- $150,000+ face
- fully underwritten
- death benefit protection with some cash accumulation

F&G Life Elite
- Ages 0-75
- $50,000+ face
- Ages 0-45 up to $149,999 face does NOT require a medical exam
- Non-med policies have lower caps
- fully underwritten
- tax-free retirement income
- good for 5 to 7-pay

Transamerica TransNavigator Index Universal Life
- Ages 0-85
- $25,000+ face
- fully underwritten
- tax-free retirement income
- global index
- Long Term Care Rider available[/expand]

LESS FREQUENTLY USED

Simplified Issue Whole Life

[expand title=""]Foresters Advantage Plus Whole Life
- Ages 0-75
- $25,000 - $250,000 face
- 20-Pay option
- 10 and 20-Year Term riders available
- member benefits good for dependents
- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)[/expand]

Fully Underwritten Term

[expand title=""]Mutual of Omaha Term Life Answers
- 10, 15, 20 and 30-Year level term
- Ages 18-80
- $100,000+ face
- very competitive term for higher face amounts
- great for ages 40-60
- Convertible

Foresters Strong Foundation
- 10, 15, 20, 25 and 30-Year level term
- Ages 40-80
- $100,000+ face
- Convertible
- Member benefits good for dependents
- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

Phoenix Safe Harbor Term Life Express
- 10, 15, 20 & 30-Year level term
- Ages 18-80
- $50,000 to $1,000,000 face
- 4 Living Benefit riders available at no additional premium (terminal illness, critical illness, chronic illness & unemployment waiver of premium)
- Convertible

Transamerica Trendsetter LB Term
- 10, 15, 20 & 30-Year level term
- Ages 18-80
- $25,000 + face
- No medical exam for $25,000 - $249,999 face up to age 60, lower ages on 30-year (APS, paramed, blood/urine, etc may be requested)
- No return of premium available
- Convertible
- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)
- Advanced premium options
- TOP & TOP Plus program - no medical exam required on qualifying applicants for up to $999,999

Transamerica Trendsetter Super
- 10, 15, 20, 25 & 30-year level term & an Annual Renewable Term
- Ages 18 - 80 (age nearest)
- $25,000 + face
- Convertible
- Return of premium available
- TOP & TOP Plus program - no medical exam required on qualifying applicants for up to $999,999[/expand]

Fully Underwritten Universal Life

[expand title=""]Mutual of Omaha AccumUL Plus
- Ages 0-85
- $25,000 + face
- cash accumulation for middle to upper income
Mutual of Omaha Guarantee Universal Life
- Ages 18-85
- $50,000 + face
- guaranteed coverage from a minimum of up to age 80 to a maximum of up to age 120
- cash accumulation

Foresters SmartUL
- Issue ages 0-85
- $100,000 + face
- living benefits for terminal illness, critical illness & chronic illness at no additional premium
- cash accumulation product UL with competitive interest rate
- member benefits good for dependents
- can be used for tax-free retirement income

Transamerica Accumulation UL
- Issue ages 0-85
- $20,000 + face
- no medical exam up to age 70 & $50,000 (APS, paramed, blood/urine, etc may be requested)
- no medical exam up to age 60 & $99,999 (APS, paramed, blood/urine, etc may be requested)
- cash accumulation[/expand]

Fully Underwritten Whole Life

[expand title=""]Foresters Advantage Plus Whole Life
- Ages 0-75
- $25,000 - $250,000 face
- 20-Pay option
- 10 and 20-Year Term riders available
- member benefits good for dependents
- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)[/expand]

Disability

[expand title=""]Mutual of Omaha Disability Income Choice
- Ages 18-61
- up to $5k max monthly benefit for short term ($10k for long term)
- short term & long term accident/sickness
- short term accident only
- 48 hour express underwriting on short term
- own occupation for entire benefit period
- benefits available to age 67
- Health insurance license required to sell

Mutual of Omaha Disability Income Essentials
- Ages 18-61
- max monthly benefit of 60% of annual income up to $5k
- short term & long term DI
- call underwriters to discuss case & expedite underwriting
- Benefits available to age 67
- Health insurance license required to sell

Assurity Balance Simplified Disability Income
- Ages 18-59
- $300 to $2,500 monthly benefit (max 60% income)
- simplified issue
- Benefit periods of 6 mo, 1 or 2 years
- Elimination periods of 30, 60, 90 or 180 days
- Covers illness or injury
- Health insurance license required to sell
- critical illness & ROP riders available

Assurity Balance Graded Benefit Disability Income
- Ages 18-60
- up to $11,000 max depending on occupational class
- up to $5,000 non med
- 35% benefit in first year, 70% benefit in second year
- Benefit periods of 2, 5 or 10 years
- Elimination periods of 30, 60, 90, 180 or 365 days
- Health insurance license required to sell
- financial underwriting required

Assurity Century + Disability Income
- Ages 18-60
- up to $15,000 max depending on occupational class
- 2 year own occupation definition
- financial & occupational underwriting required
- some non med depending on age & amount
- Benefit periods of 1, 2, 5 or 10 years, to age 65 and to age 67
- Health insurance license required to sell
- Good for self-employed
- various riders available
- Elimination periods of 30, 60, 90, 180 & 365 days

Foresters Prepared Accident Only Disability Rider
- Ages 18-60
- can be a less expensive option for short-term disability income coverage
- accidental death term product with a disability income rider
- 2 year benefit period
- 90 day waiting period
- only disabilities due to accidents are covered
- max benefit is $2,000/mo and 60% of monthly income
- coverage to age 65
- Health insurance license required to sell (except in FL & IN)

Mutual of Omaha Priority Income Protection
- Ages 18-61
- Benefit of a max of 70% of income up to $2,000/mo
- short-term accident & sickness
- simplified issue, knockout application, Rx check & random telephone interview
- coordinates with Social Security disability
- 12, 24 & 36 month benefit periods
- elimination periods of 30 days for accident & 90 days for sickness
- off the job coverage
- guaranteed renewable to age 65
- must work a min of 30 hrs a week
- annual income of at least $15,000
- health insurance license required to sell[/expand]

Critical Illness

[expand title=""]Mutual of Omaha Critical Illness
- Ages 20-64
- $10,000 to $250,000 benefits
- $10k to $99k is simplified issue
- $100k to $250k is fully underwritten
- covers 9 conditions at 100%
- covers 3 at 25%
- ROP - benefits paid at death
- Health insurance license required to sell

Assurity Balance Simplified Critical Illness
- Ages 18-64
- $5,000 to $50,000 in benefits
- simplified issue
- ROP death benefit if insured dies of a cause other than a covered illness
- Health insurance license required to sell
Assurity Balance Fully Underwritten Critical Illness
- Ages 18-64
- $50,000 to $500,000 in benefits
- face reduces 50% at age 65 or 5 yrs from issue whichever is later
- ROP death benefit if insured dies of a cause other than a covered illness
- Health insurance license required to sell

Mutual of Omaha New Beginnings Cancer, Heart Attack & Stroke
- Coverage for cancer, heart attack & stroke, or all three
- Ages 18-99
- Benefits from $10,000 - $50,000
- Policy terms of 10, 15, 20, 30 years or lifetime
- Individual, individual plus child/children or family plans available
- Optional Intensive Care rider & Cash Value (return of premium) rider
- Simplified issue - 4 to 8 knockout medical questions
- Health insurance license required to sell[/expand]

Long Term Care

[expand title=""]Mutual of Omaha MutualCare Solutions
- Ages 30-79
- long term care policy
- maximum monthly benefit of $1,500 to $10,000 per month
- elimination periods of 0, 30, 60, 90, 180 or 365 days
- inflation protection
Medicare Supplement

Mutual of Omaha Medicare Supplement
- individual medicare supplement policies[/expand]

Funeral Trust

[expand title=""]NGL AssetGuard Funeral Trust
- Single pay, 3, 5, 7 and 10-year pay plans
- Transfer ownership of policy to Funeral Expense Trust to POSSIBLY exclude it as an asset for Medicaid eligibility purposes
- Issue ages from 0-99
- Guaranteed issue & simplified issue[/expand]