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Interest rates have your clients feeling low?
Compare our 2 year, 3 year, 4 year and 5 year annuity rates to what your client's banks are offering.
 Click here for our Multi Year fixed interest rates updated 10/27/2020

Please be aware, not every carrier we have is active on our quote system.

If you are working on a case and the only qualification for a carrier is that they be "cheapest" premium it may be a good idea to call or email Bill with details.  As an agency we feel we owe it to the agents who work with us to present carriers that are not only very competitively priced but also those that are timely in underwriting, highly rated and willing to work with the agent and clients to approve cases.  The good news is that in "most" instances you will find that our online quote system represents BOTH the top priced as well as easy to work with companies but it doesn't hurt to check and we don't mind the call. 
Is there a level face amount life policy for someone 5' 8" and over 500 pounds?  Yes.
For ages 40 to 80 you can write them up to $40,000 or even $50,000 if they are "healthy", no build or nicotine questions! 

​Let us work on your next "might be difficult" life risk so you can be the one who presents a solution rather than walking away.  
While it may not seem like a lot to you, for many people $40,000 or $50,000 may provide some real financial "peace of mind".
No Exam or Labs or in Person meeting required to apply for life insurance. 
  • SBLI: NOW Up to $750,000 and NEVER EVER an Exam or Lab work for ages 20-60 for term or whole life. Rates are very competitive too!
  • Sagicor: No Exam or Lab work, Ages 18-45 up to $1mill, Ages 46-55 up to $750K and Ages 56-65 up to $500K of term or GUL.  Please note, the best rate class you should quote is PNS, not P+NS.  
  • Great Western Life: No Exam or Lab work, Ages 40-80 up to $50,000 Simplified &/or $40,000 Guaranteed Issue
  • GTL:  Ages 40-90 up to $25,000 "almost" guaranteed issue graded benefit life, app done on lap top or smart phone, no paper app!​
Guaranteed & Simplified Issue Life Insurance, the need is real! 
Carrier 1: "Almost" G-Issue up to $50K for ages 40-80 - cases issued in 24 hours!
Carrier 2: G-Issue up to $40K ages 40 to 80. With a 2 year graded benefit = to premiums +10%!
Carrier 3: up to $25K ages 50 to 80.
Visit our Final Expense page​ ​for more details and please note you need to be contracted before you can write an app.  Given the popularity of these products it is taking about 7 to 10 business days to get appointed! 
$'s for Home Health Care!
Click to view the Consumer Home Health Care Insurance Video then get in touch with Bill to get your contracting going & to learn about the online & "smart" app!  No paper app, quick issue and very easy u/w. 
Long Term Care Insurance 
If you don't show your clients that is is still available, who will?
We have 4 different types of policy options and the knowledge to help you when working with your clients.  Need a refresher?  Call Bill Jr.! 
Know The Deductions Tax-Qualified LTC
Click here for a guide on the various types of taxpayer and premium deductions available for tax-qualified long-term care insurance.  TQ LTC  includes the One America COB rider!
Credit Cards for Premiums?
SBLI accepts annual premiums on credit cards up to $99,999 without any additional fees in year 1!