Have clients concerned about having meetings?
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Thank Goodness for Life Insurance without an exam or lab work!
No Face to Face meeting with agent or examiner required.  Just a phone call.
  • Carrier #1: Age 20-60 up to $500,000 of term or whole life.
  • Carrier #2: Ages 18-45 up to $1,000,000, Ages 46-55 up to $750,000 or Ages 56-65 up to $500,000 Term or GUL.
Rates are competitive with the "exam and lab" carriers and these two carriers will not reverse the process and ask for an exam or lab work after submission.
IMPORTANT: Product is being withdrawn by the carrier, apps must be in by 3/27/20 and in good order!
Almost Guaranteed Issue Home Health Care Indemnity Policy!
If your client can answer "No" to 3 questions, game on! 
Features in Texas include:
  • Simplified U/W, only 3 questions with no tobacco or build ​questions.
  • Very Affordable!
  • 0 day elimination period for home health care- in Texas!
  • Scheduled benefit indemnity payments up to $150 per day!
  • Base plan includes a $250 per year prescription drug benefit
Long Term Care Insurance is still a thing & still important to planning! 
We have Four different types of policies and the knowledge to help you when working with clients. 
Please don't be shy when clients ask about Long Term Care Insurance!
To Quote Preferred Plus Or Not?
When running quotes it is important to be aware of the underwriting criteria for a carrier's rate classes. Yes, the blue underlined words are a link!  You can also plug in details on the term quote engine.  The better the field underwriting, the better the u/w!

Currently, our "Best Carriers" are:
AIG, Savings Bank Life, Protective Life, American National, United of Omaha, Banner and Lincoln* 
*Lincoln for cases over $500k.
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U/W Highlight: They will never ask for an exam or send someone to stab your applicant for up to $500,000 and to age 60 for term or whole life.  Offered by a Mutual Company!  ASK us to help you run a quote!
Guaranteed Issue Life Insurance up to $25,000 and for ages 50 to 80. 
Final Expenses create financial burdens at the worst time! 
​Visit our Final Expense page to get up to date on on how to assist a family in the time of need.
​Have you and your clients already set up a "Fund Me" Account?
Cancer, Heart Attacks or a Stroke insurance is a simple way to do it along with a Home Health Care Indemnity Policy 
Our top GUL product allows for  changes in premium and face amount without sacrificing the no lapse guarantee as originally purchased!

Needs may change and if a GUL can't change with them is it the right one?  ​Let us show you how it works, it could be the difference between a policy lasting a lifetime or lapsing before your client does.