Bell & Associates | Life Insurance Specialists

800.308.BELL

Family History Guidelines

In addition to reviewing the personal medical history of a potential insured the underwriter will also review a client’s family medical history to determine if any immediate family members passed away from a major health impairment. These usually come into play when determining a client’s rating between Super Preferred, Preferred, and Standard ratings. Below is a comprehensive list of each carrier’s Family History Guidelines.

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     Family History Guidelines

Family History Guidelines

 


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!