If your prospect can honestly answer ‘No’ to 3 simple health questions, they can qualify for a plan that could pay 50% of the death benefit in Year 2!

Issue ages 18 to 90…..we have seen other carriers with graded benefit or guaranteed issue, limit their issue ages from 40 to 80!
Natural Death in Year 1 pays return of premium plus 4.50% interest, Year 2 pays 50% of the ultimate death benefit and Year 3 pays 100% of the ultimate death benefit. Accidental death pays 100% of the ultimate death benefit starting with the policy effective date.
Face amounts from $5,000 to $50,000
Rates based on age and gender and not based on tobacco use
Only 3 “yes/no” medical questions….no prescription check nor telephone interview!
Premiums will never increase, and benefits will never decrease
Competitive rates
Agents must have Errors & Omissions insurance
Commissions are paid as earned only
E-App is available with online quoting program
A must-have product for all Final Expense agents!
Agents can submit new business along with completed contracting!