Security National Life
With this carrier, you have everything you need, except a true guarantee issue product.
This is a great company to work with. Quick appointment, great training, awesome incentive programs, yearly trip qualifications, easy application, easy phone interview for telesales, great underwriting, and they have a lead program where telemarketer leads are $7 and live transfers are $16 per lead. They offer direct mail, Facebook leads, telemarketer leads, and live transfers.
Security National offers a multitude of plans to insure people from 40 to 90 years old. They have an accidental death rider and a child rider (not grandchildren) on the Simple Security plans.
Field Agents: Security National Life offers a career side to all field agents that includes lead discounts and financing. Business is paid on submission with more liberal underwriting. This is an amazing opportunity for agents that are ready to build a business and never have to worry about having leads and lead cost. Direct mail and SEO leads are used in this program.
The voice signature telesales application is an easy 10 minute interview. No MIB check. They verify prescriptions and banking information.
ITIN # accepted. They accept direct express, credit and debit cards.
MIB Plan (Monthly Increasing Benefit): This is a 4-question guarantee issue product. Payor will not pay more than the Ultimate death benefit. Questions include if they are currently in the hospital, ever tested positive for HIV/AIDS, if in end stages of a Terminal illness, or currently have cancer.
Not Available in AK, CT, DE, ME, MA, MT, NH, NJ, NY, NC, RI, SD, VT, WA
Simple Security Plan:
Ages 40 to 90
Minimum Amount $2,500
76 to 80 $15,000
81 to 90 $10,000
Preferred and Standard Plan( Insulin Diabetics)
2-Year Graded Plans for Ages 40-85
Security Care Plan:
For insulin dependent diabetics only
Minimum Amount: $1,000
Maximum Amount: $15,000
Day-1 coverage-Select and Special plans. 3-yr modified-Limited plan
Payments: for live, 10-yr and 20 yr paid-up.
No Non-smoker/smoker rates
Male/Female rates the same
Ht/Wt chart more lenient than Simple Security plan
MIB (Monthly Increasing Benefit):
Minimum Amount: $1,200
Maximum Amont: $10,000
Guarantee Issue=3-year modified
Has 3 Knock-out questions.
Paid-Up 3,5, and 10 year plans. If person dies before the policy is paid-up, premiums plus a "bump" interest is paid back.
Insured nevers pays more than the policy is worth.
ADB covered at full face amount immediately.
iCare Plan: Whole Life
Maximum coverage $35,000
Best for clients ages 25 to 39
Have be healthy with few medications
Annuity: 6 years at 3% interest (can fluctuate)
Minimum 1st payment is $75.00
Client chooses monthly investment.
Good option for clients Ages 85 to 90 or those who can not qualify for an other plan due to health issues.