INSURANCE AGENTS
Sentinel Life
Sentinel Security Life final expense line is New Vantage. The final expense can be sold face-to-face with a paper application, and e-application, or over the phone with a voice signature.
The e-application has built-in rate calculator that will auto-generate premiums, telephone signature, e-signature, and real-time underwriting.
Voice signatures are done through Apptical.
Sentinel has a modified plan in NC which many companies do not offer in this state.
Sentinel Life is very competitive with male smokers. Sentinel also has their Vantage II product for customers with Hepatitis.
New Vantage Life is available in AL, AZ, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MS, MN, MD, MT, NE, NV, NM, NC, ND, OH, OK, OR, PA, RI, SC, TX, UT, WY
Final Expense:
Personal Choice Annuity:
New Vantage I: Day 1 Coverage
Single Premium Ages 20 to 76
Monthly Premium Ages 0 to 85
10-Pay Premium Ages 0 to 75
20-Pay Premium Ages 0 to 65
Paid Up 65 Ages 0 to 55
Paid Up 85 Ages 0 to 65
Miniumum Payment $10.00
Maximum Coverage Amounts:
Ages 0 to 75 $35,000
Ages 76 to 80 $25,000
Ages 81 to 85 $15,000
Riders Available:
ADB
Child Protection
Waiver of Premium
New Vantage II: 3-Year Modified Plan 30/70
Ages 45 to 85
Minimum Face Amount $2,000 Single Premium
Minimum Face Amount $1,000 all other payment methods.
Maximum Face Amounts:
Ages 45 to 80 $20,000
Ages 81 to 85 $15,000
ADR included at no cost for first 2 Years
New Vantage III:
Ages 45-85
Up to $15,000
Years 1 & 2 ROP + 10% annual interest
ADR included in first 2 years at no additional cost.
3-Year Modified with but with 10% ROP the 1st and 2nd Years. 3rd Year full coverage.
Personal Choice Annuity
Issue Ages/Maturity 0 to 90
Option of 5,7, or 10 year Terms
Qualified or Non-Qualified
$2,500 to $1 Million
Summit Bonus Index
Features Fixed Accounts
Annual Point To Point
Monthly Averaging
Monthly Sum
Daily Averaging
Income Riders and Settlement Options available with both options.