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Carrier Age Calculations

Below is a chart showing how our core carriers calculae the insurance age of the applicant. The majority of the insurance carriers will caculate based on the client's nearest birhday although we still have some carriers calculating the insurance age based on age last birthday.

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Life Insurance > Product

Indexed UL News and Articles

Who has Dropped Cap Rates - Jan 2012 (PDF)

Additional Coverage with Accelerated Underwriting:

Available to individuals who have been fully underwritten for term insurance within the past 5 years
No new medical exam required
Available up to age 60 and $1,000,000 DB
Access to some of the most competitive term products in the marketplace

Unique Indexed Annuity:

12% commission available
Extremely liquid
Up to 60% of Asset Value after just 30 days penalty free!
Built-in Accelerated Care Benefits
"A" rated AM Best

Simplified Issue IUL Program:

No medical exam (phone underwriting)
Targets age 40-60 clients looking for tax-free retirement income
Uses #1 selling indexed UL product in the country!
Up to $1,000,000 of coverage available!