Bell & Associates | Life Insurance Specialists

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     Life Insurance
          Product
               Indexed Universal life
                    Allianz Indexed UL
                    American General Indexed UL
                    ANICO Indexed UL
                    Aviva Indexed UL
                    AXA Indexed UL
                    Columbus Indexed UL
                    ING Indexed UL
                    John Hancock Indexed UL
                    Life of The Southwest Indexed UL
                    Lincoln Benefit Indexed UL
                    Lincoln Financial Indexed UL
                    Minnesota Life Indexed UL
                    Nationwide Indexed UL
                    North American Indexed UL
                    Pacific Life Indexed UL
                    Transamerica Indexed UL
               Indexed UL News and Articles
               Quotes
                    Competition Benchmarking
                    Quick UL and Term Quotes
               Life & LTC
                    AXA-Life & LTC
                    Columbus - Life & LTC
                    John Hancock - Life & LTC
                    LFG - LIfe & LTC
                    LSW - Life & LTC
                    National Western - LIfe & LTC
                    Nationwide - Life & LTC
                    Pacific - Life & LTC
                    Protective - Life & LTC
                    West Coast Life - Life & LTC
               Products Inventory & Brochures
                    Allianz
                    American General
                    American National
                    Aviva
                    AXA
                    Banner
                    Columbus Life
                    ING
                    John Hancock
                    Life Of The Southwest
                    Lincoln Benefit Life
                    Lincoln Financial Group
                    Minnesota Life
                    National Western Life
                    Nationwide
                    Ohio National
                    Pacific Life
                    Protective
                    Transamerica
                    United of Omaha
                    West Coast Life
                    Types & Definitions of Life Insurance
                    Guaranteed UL (NLG-UL)
                    Current Assumption/Cash Value UL
                    Indexed UL
                    Simplified Issue UL (SPL)
                    Term Insurance
                         10 Year - Term Insurance
                         20 Year - Term Insurance
                    Whole Life
               Policy/Product Specifications
                    Living/Accelerated Benefit Rider Summary
                    Age Last Birthday Carriers
                    Issue Age 85+ Carriers
                    Policy Maturity Age/Date
                    Target Premium Highlighted in Illustration
                    Rolling Target Carriers
                    Product News and Deadlines
                    Guaranteed UL (NLG-UL)
          Underwriting
               Quoting Preferred Plus and Preferred
               Carrier-Specific Niche Impairment UW
               Preliminary/Trial App Forms
               Life Expectancy Calculator
               Medical Requirements & Guidelines
                    Medical Requirements & Guidelines - Allianz
                    Medical Requirements & Guidelines - American General
                    Medical Requirements & Guidelines - American National
                    Medical Requirements & Guidelines - Aviva
                    Medical Requirements & Guidelines - Axa
                    Medical Requirements & Guidelines - Banner Life
                    Medical Requirements & Guidelines - Columbus
                    Medical Requirements & Guidelines - ING
                    Medical Requirements & Guidelines - John Hancock
                    Medical Requirements & Guidelines - Life of The Southwest
                    Medical Requirements & Guidelines - Lincoln Benefit
                    Medical Requirements & Guidelines - Lincoln National
                    Medical Requirements & Guidelines - Met Life
                    Medical Requirements & Guidelines - Minnesota Life
                    Medical Requirements & Guidelines - Nationwide
                    Medical Requirements & Guidelines - New York Life
                    Medical Requirements & Guidelines - Pacific Life
                    Medical Requirements & Guidelines - Phoenix Life
                    Medical Requirements & Guidelines - Protective
                    Medical Requirements & Guidelines - Prudential
                    Medical Requirements & Guidelines - Security Mutual of New York
                    Medical Requirements & Guidelines - Sun Life
                    Medical Requirements & Guidelines - Transamerica
                    Medical Requirements & Guidelines - United of Omaha
                    Medical Requirements & Guidelines - West Coast Life
               Financial Requirements & Guidelines
                    Financial Requirements - Allianz
                    Financial Requirements - American General
                    Financial Requirements - American National
                    Financial Requirements - Aviva
                    Financial Requirements - AXA
                    Financial Requirements - Banner
                    Financial Requirements - Columbus
                    Financial Requirements - ING
                    Financial Requirements - John Hancock
                    Financial Requirements - Life of The Southwest
                    Financial Requirements - Lincoln Benefit
                    Financial Requirements - Lincoln National
                    Financial Requirements - Met Life
                    Financial Requirements - Minnesota Life
                    Financial Requirements - Nationwide
                    Financial Requirements - NYL
                    Financial Requirements - Pacific Life
                    Financial Requirements - Phoenix Life
                    Financial Requirements - Protective
                    Financial Requirements - Prudential
                    Financial Requirements - SMLNY
                    Financial Requirements - Sun Life
                    Financial Requirements - Transamerica
                    Financial Requirements - United of Omaha
                    Financial Requirements - West Coast Life
               Jumbo Case Submission Guidance
               Impairment Questionnaires
               Lifestyle Questionnaires
               Exam/Paramed Providers
               Family History Guidelines
               Tobacco Guidelines
                    Tobacco Usage Summary by Carrier
                    Cigar, Pipe, Chew & Nicorette Gum
               Preliminary Application Forms
               The Pre-Qualifying Steps
                    Build (Ht/Wt)
                    Cholesterol
                    Blood Pressure Medication
                    Driving History (MVR)
                    Family History
                    Tobacco Use
                    Lifestyle Credits
               Niche Underwriting
                    Arthritis - Niche Underwriting
                    Asthma/COPD/Sleep Apnea - Niche Underwriting
                    Aviation/Foreign Travel - Niche Underwriting
                    Barrett's - Niche Underwriting
                    Cancer - Niche Underwriting
                    Depression/Anxiety - Niche Underwriting
                    Diabetes - Niche Underwriting
                    Fibromyalgia - Niche Underwriting
                    Financial/High Net Worth Clients - Niche Underwriting
                    Heart Disease/CAD - Niche Underwriting
                    Parkinson's Disease - Niche Underwriting
                    Table Shave & Lifestyle Credit Programs
                    Tobacco Use - Niche Underwriting
                    Top Ten Underwriting Strengths
                    Non Specific Carrier Niches - Niche Underwriting
          Sales
               Sample Fact Finders
               The L.I.F.E. Policy Review
               Premium Financing - done right!
               Carrier Planning Concepts
               Turnkey Marketing Strategies
               Bell Ringer Sales Ideas
               Client Case Studies
               Case Success Stories
               Tax Deductible Life Insurance for Executives
               Industry Articles
                    Agent Referral Program
                    Agent Perks & Incentives
          Helps
               Our Carrier's Ratings
               Product/Carrier Brochures & Flyers
               Financial Calculators
               Advertising & Direct Mail providers
               Premium Financing providers
               Life Expectancy providers
               Exam/Paramed providers
               Commonly Requested Forms
                    Lab Results Request - Template
                    Inforce Policy Auth to Obtain Info Template
                    Agent Cover Letter Template
                    Sample Cover Letters
               Sample Cover Letter submissions
               Jumbo Case Submission suggestions
               Tax Tables, Charts & Graphs
               Industry-Related Links
               News
               2010 Tax Summary Info
                    Pension Protection Act
                    2001 Economic Tables Single Life
                    2001 Economic Tables Survivorship
                    2001 CSO Tables
                    IRS Federal AFR & Sec 7520 Rates
               Radio Show providers
               Lead Generation providers
 


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!