GOLDEN EDGE Pride and i ndependence …i t’s never too late.

Slides:

Advertisements

Similar presentations

Chapter 12: Life Insurance Planning

Advertisements

Issue ages: 0-80 Standard & Preferred UW classes Coverage available to age 120 Tobacco and Non-Tobacco Rates No Lapse Guarantee 3% Guarantee Interest Rate.

Samridhi Plus Plan no 804. HIGHLIGHTS OF THE PLAN A Unit Linked Insurance Plan that offers best of the Stock Market through Samridhi Plus Fund. Highest.

The Insured Annuity Concept

Easy Term Agent Use Only: Not for public distribution.

Lincoln Financial MoneyGuard Reserve

There is a story to the candy!. “We need to address the taxes on your annuities!”

The 3 P’s Mike Wernli VP of Sales Tribute Direct.

Solution Series Solution Series Agent Use Only: Not for public distribution.

For agent use only. Not for public distribution or solicitation. MT-TPPT-0215 client’s.

1 JEEVAN SATHI POLICY TABLE 19. JEEVAN SATHI POLICY 2 Jeevan Sathi plan is a unique Endowment policy which Provides insurance coverage to two lives in.

Manulife Bank Creditor Insurance Name, DESIGNATION Job title, Company Name.

(03/08)© AmericoFor agent use only. Not for public use.Policy Series 281/282/283/284.

(10/05) For Agent Use Only Ultra Protector Americo Financial Life and Annuity Insurance Company Product Training.

Home Protector Agent Use Only: Not for public distribution.

P.1 Applying for IDI is simple again with Old Fashioned Underwriting SM For producer use only. Not for use with consumers.

Applying for IDI is simple again with Old Fashioned Underwriting SM For producer use only. Not for use with consumers.

Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance.

SM IncomeCertain OMFN. SM Market Opportunity Boomer’s are running out of time and need an innovative solution for their Protection and Retirement Income.

LifeBeat  It’s all about living !  Comprehensive Critical Illness Insurance Critical Illness + Long Term Care.

The insurance plan that gives added protection, savings and multiple options, all in one.

Form #S For Agent Use Only Simplicity Agent Training.

Launch Meeting Global Financial Solutions Inc. October 19, 2005 Paul Freedman MBA, CFP

Simplified Advantage Simplified Life Insurance Solution for clients who want Peace of Mind and NO MEDICAL EXAM.

National Insurance Agency Ken Smith Director Of Critical Illness and Disability Income

Unit 6 Insurance: Protecting What You Have Part IV Life Insurance Resources: NEFE High School Financial Planning Program

Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. Release February 6 th, 2014.

©2008 Securian Financial Group, Inc. Group Insurance Division Get More Out of Life The Texas A&M University System Group Life insurance.

MasterChoice EIUL. The Industry’s Best Equity Indexed Universal Life – No Lapse Premium Guarantee to Age 100 – 15 Year Minimum Death Benefit Guarantee.

LifeMarketers Presents The ABC ’ s of Disability.

A Revolutionary Approach to Long-Term Care AC-SEM-04 1.

Americo Financial Life and Annuity Insurance Company Agent Training Guide Why Americo? Life Insurance Overview Product Summary Questions? Comments? A friendly.

Are You Totally Protected?. Who is USA Benefits Group? About the Company  USA Benefits Group is a nationwide network of health and life insurance professionals.

1 DI Underwriting Making it Simple. 2 Mutually Exclusive Definition Definition Wikipedia… in layman’s terms 2 events are mutually exclusive if they cannot.

Business Reducing Term Unique Product, Unique Opportunity FOR AGENT AND BROKER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC

1 Life Insurance Review. 2 Reviewing Life Insurance Policies Your customers should look to you when it comes to their life insurance coverage. After all,

Simplified Issue Products Life Insurance Made Easy.

INSURANCE Personal Finance. Insurance Protects individuals against unexpected financial loss.  Many types of insurance, each with a specific purpose.

A Revolutionary Approach to Long-Term Care AC-SEM-04 (FL) 1 Underwritten by Guaranty Income Life Insurance Company Baton Rouge, LA.

Immediate Annuities Paul Irving Manager, Annuity Marketing CPS Ron Viola Insurance Services.

Americo Financial Life and Annuity Insurance Company Agent Training Guide Why Americo? Life Insurance Overview Product Summary Questions? Comments? A friendly.

Americo Financial Life and Annuity Insurance Company Agent Training Guide Why Americo? Life Insurance Overview Product Summary Questions? Comments? A friendly.

LIC’s SAMRIDHI PLUS TABLE NO.804.

Is It Worth It? The Cost of Insurance. Insurance Terms Premium Deductible Underwriting.

America has a Problem… PPT And We Have the Solution!

Insurance solutions exclusively for you, at your workplace!

1 TC76192(0913)3 For Agent Use Only – Not For Use With The Public Life Insurance Company of the Southwest™ National Life Group ® is a trade name representing.

Credit and Insurance Project Student Name. Credit Card 1 Card Name: Introductory Period: Introductory APR: APR after Introductory Period: Annual Fee:

List Bill from Assurant Health A new, free service for Small Group Employers List Bill—A New Option J (4/2006) © 2006 Assurant, Inc. All rights reserved.

All plans are not created equal What YOU need to know.

For producer use only. Commitment to LTC Financially Strong 20+ years of experience in LTC market Completed research in the industry resulted in new product.

STATE LIFE INSURANCE CORPORATION OF PAKISTAN REFUND OF PREMIUM RIDER (RPR)

Americo Financial Life and Annuity Insurance Company Agent Training Guide Why Americo? Life Insurance Overview Product Summary Questions? Comments? A friendly.

Voluntary Short Term Disability Insurance from The Standard.

©2014 Burnett Agency LLC- Proprietary and Confidential Final Expense Planning Made Easy Protecting Your Family and Your Legacy C.O.R.E. Program Description.

VivoSave Product Training 1 Prepared By: Life Insurance Department.

1 What’s covered This presentation is designed to cover the following:  Unum history, market position  What is whole life insurance  Why you may need.

Life/DI Combo: Total Risk Protection 1 The Principal Financial Group® Life/DI Combo Total Risk Protection.

For producer information only. Not for use in sales situations. SIMPLIFIED UNDERWRITING Individual Disability Insurance (IDI) The fastest way to write.

Executive Multi Life Program A Guaranteed Issue / Simplified Issue Solution This presentation is designed to help you introduce National Life Group's Multi.

Life and disability insurance combined

Life with no hassles Basic Term.

Life with no hassles Basic Term (New York).

FEATURES ON EXISTING POLICIES

TRANSITION Critical Illness Insurance Personalized Complete Affordable

TRANSITION Critical Illness Insurance Personalized Complete Affordable

Module II -Farmers Term Products

Selling Flood Insurance

Presentation transcript:

GOLDEN EDGE Pride and i ndependence …i t’s never too late.

Do you know anyone who...  Is age 55 or over?  Consider themselves uninsurable?  Require only a small amount of life insurance?  Would like to leave a legacy to their grandchildren?

Desjardins Financial Security can help! Introducing...

Golden Edge Classic Golden Edge Enhanced Easy, affordable, peace of mind.

Why Golden Edge?  Some people require less coverage than most plans allow.  Others may have a medical history that they believe excludes them from purchasing life insurance.  Still others think they are too old to purchase life insurance.

Why Sell It?  It is a product for the mature market - people you are probably working with.  Simple sale.  Easy application process.  COMPCORP protected.

What Is Golden Edge? A life insurance program designed for the mature market to provide needed coverage with a simplified process.

Plan Highlights  2 plans - Classic & Enhanced.  Different rates for each plan.  Smoker / non-smoker rates.  2 year claim clause.  1 application.

PLAN DETAILS - CLASSIC Premiums and Face Amount  Minimum $2,500 face amount and annual premium of $300.  Maximum $25,000 per insured.  Low annual policy fee of $25.  Guaranteed level premium.  Payable to age 100.

PLAN DETAILS – CLASSIC Claims  No claim clause - 2 years.  Claims made within first 2 years refund of premiums paid to date of death. no interest  Clause cannot be waived.

PLAN DETAILS – CLASSIC Equity  Guaranteed  Begins at end of 3rd year

PLAN DETAILS – CLASSIC Underwriting  Just 7 questions  Must answer “NO” to all  MIB check

GOLDEN EDGE ENHANCED  Answer “NO” to three (3) additional questions and receive a lower rate than Classic. WHAT DOES THIS MEAN FOR YOUR CLIENT?

PLAN DETAILS - ENHANCED Same as Classic  Issue Ages  Minimum/maximum face amounts  Equity features  Premium to age 100

 Automatic coverage for ages on underwriting approval.  No 2 year claim clause. PLAN DETAILS - ENHANCED

Removal of 2 Year Clause  For ages  Physician’s Declaration. (back of second copy of app)  $25 fee within 60 days of signing app PLAN DETAILS - ENHANCED

Underwriting  7 Classic questions PLUS...  3 Enhanced questions  “No” to all to qualify  MIB check PLAN DETAILS - ENHANCED

Golden Edge Classic Golden Edge Enhanced Pride and i ndependence