Fidelity 10 year graded term Declined? Obese? Getting Better? How to help your Clients

Fidelity – 10 year graded term Learn about the carriers at  carriers Specialty Market  Negative Medical History more than 2 years  Improving Health  May qualify for Standard Issue in future Simplified Issue!

Turn your No’s into Yes! Turn your declines into YES  Do you think clients might “forget” to tell you things about their medical history?  Skip the medical underwriting – go Simplified!  Quick easy applications – 2-3 pages!  Easy to explain No EXAMS – No TESTING – No Waiting

Graded 2 year term Full Face amount of policy available after a graded period of 2 years for Medical  Limited liability for company first 2 years  Benefit steps up to full benefit after 2 years Accidental Benefit available immediately Accelerated Death Benefit Rider  Based on state availability  Accelerate up to 50% of Death benefit if terminally ill

Contracting Must submit first written business with new agent contracting All commissions paid as earned 50% of monthly premium first year 2% years 3 through 10