Quick Links

e-Apps

Paper Forms

AML Training

Click for E&O
Question of the Month: Does your "preferred" GUL policy allow for changes in premium and face amount without sacrificing the no lapse guarantee?

One of our top GULs does!  Needs may change and if a GUL can't change with them, is it really the right one for your clients?  Price is important but so is having a product you can count on in the future.
​
​Let us show you how it works on your next GUL case, it could be the difference between lasting a lifetime or lapsing before your client does. 


​Did You Know?
​

Our #1 Comprehensive LTC Product features:
  • A 0 day elimination period for home health care & 90 days for facility care.
  • Guaranteed Premiums Paid up in 1, 5, 10, 20 years or age 95.
  • Accepts dump in premiums i.e. 1035's to reduce premiums!
  • Premiums are Guaranteed & Lifetime Benefits.
Surviving Cancer, a Heart Attack or Stoke is tough physically, emotionally and financially. You can help with the financial part which may assist the other two!​
PLEASE be "that agent" who talks with your clients about the benefits of a Cancer, Heart Attack/Stroke policy.  Having a this type of policy can allow them to focus more on getting well instead of worrying about finances.

It's that simple with a Cancer, Heart Attack & Stoke policy, you can help people with "bad" family history or living in "hot" zip code areas as those are not used in underwriting!
100% return of premium is Back!
Click to find out how your clients can get their money back when the life insurance is no longer needed.  After all, if you don't use it, it's only fair to get your money back! 
We have a Home Health Care Indemnity policy that agents should have for themselves and offer to their clients!  Especially those clients who can't get or maybe can't afford comprehensive LTC!
This Home Health Care Product  features in Texas include:
  • Simplified underwriting- only 4 qualifying questions
  • Very Affordable!
  • No tobacco or build ​questions
  • 0 day elimination period for home health care- in Texas!
  • Scheduled benefit indemnity payments
  • Base plan includes a $250 per year prescription drug benefit
Picture
Underwriting Highlight: Term or whole life, they will never ask for an exam or or send someone to stab your applicant for up to $500,000 and to age 60 for term or whole life. All from a well known a Mutual Company!
Final Expenses can create a financial burden at the worst time! 
​Visit our Final Expense page & get up to date on on how to assist a family in the time of need. Most of "us" never think about it but the $ need is real.
Something Old is "New" again
YRT can save the case when your client "needs" the coverage but premiums are too high? Or they need short term life insurance. (Convertible to 20 or 30 year term!) Take a look at this product ​By Clicking Here