AETNA Preferred / Standard (LEVEL)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called "Day One Coverage", so go ahead and write down "Day One Coverage". [Repeat "Day one coverage"]. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
(NOT AVAILABLE IN CALIFORNIA) "And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So go ahead and write down "Early Access" [Repeat "Early Access"]. So if you're diagnosed with an illness that only gives you a year or less to live, you can actually access up to 50% of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
TRUSTAGE LEVEL
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called "Day One Coverage", so go ahead and write down "Day One Coverage". [Repeat "Day one coverage"]. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
TRANSAMERICA EXPRESS / IMMEDIATE SOLUTIONS
AMERICAN AMICABLE SENIOR / FAMILY CHOICE IMMEDIATE
LEVEL (Preferred / Standard)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called "Day One Coverage", so go ahead and write down "Day One Coverage". [Repeat "Day one coverage"]. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
"And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So go ahead and write down "Early Access" [Repeat "Early Access"]. So if you're diagnosed with an illness that only gives you a year or less to live, you can actually access up to 100% of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
ONLY AVAILABLE WITH EXPRESS SOLUTIONS. "Lastly, this policy comes with a funeral assitance service at no additional cost. So go ahead and write down "Funeral Assistance" [Repeat "Funeral Assistance"]. This service helps with funeral planning, putting your last wishes in writing, price negotiation and it gives you access to up to $25,000 of your death benefit within 48 hours without needing a death certificate. Most companies require a death certificate before paying out however this service allows an early payout once the morgue confirms you are there"
AMERICO EAGLE SELECT LEVEL
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called "Day One Coverage", so go ahead and write down "Day One Coverage". [Repeat "Day one coverage"]. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
"And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So go ahead and write down "Early Access" [Repeat "Early Access"]. So if you're diagnosed with an illness that only gives you a year or less to live, you can actually access up to 50% of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
MUTUAL OF OMAHA LIVING PROMISE
(LEVEL)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called "Day One Coverage", so go ahead and write down "Day One Coverage". [Repeat "Day one coverage"]. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
"And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So go ahead and write down "Early Access" [Repeat "Early Access"]. So if you're diagnosed with an illness that only gives you a year or less to live, Or if you’re in hospice care for 90 days or more and are expected to remain for the duration of your life, you can actually access up to 94% of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
COREBRIDGE
Legacy / SIWL (LEVEL)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called "Day One Coverage", so go ahead and write down "Day One Coverage". [Repeat "Day one coverage"]. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
"And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So go ahead and write down "Early Access" [Repeat "Early Access"]. So if you're diagnosed with an illness that only gives you a year or less to live, Or if you’re in hospice care for 90 days or more and are expected to remain for the duration of your life, you can actually access a portion of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
ROYAL NEIGHBORS
Legacy / SIWL (LEVEL)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called "Day One Coverage", so go ahead and write down "Day One Coverage". [Repeat "Day one coverage"]. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
"And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So go ahead and write down "Early Access" [Repeat "Early Access"]. So if you're diagnosed with an illness that only gives you a year or less to live, Or if you’re in hospice care for 90 days or more and are expected to remain for the duration of your life, you can actually access up to 75% of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
LIBERTY BANKERS LEVEL
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy and the major benefits of this one is that it never goes up in price, and it never expires, so it will always be there for [Beneficiary’s Name] when [he/she] needs it. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life ok."
"And [Client's Name], I do want to congratulate you because it looks like the company has unlocked a benefit for you called Day One Coverage. So this means that the company is actually going to waive the 2 year wait period so that way [Beneficiary] has immediate access to the full death benefit from day one. Some people have conditions to where the company will offer coverage, but it won't pay out in the first two years. But this one will pay out the full amount to [Beneficiary] from day one regardless if you pass of natural causes or an accident."
"And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So if you're diagnosed with an illness that only gives you a year or less to live, If you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, walking….you can get up to 80% of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
AETNA (MODIFIED),
COREBRIDGE (SIWL GRADED / GUARANTEED), GERBER (GUARANTEED),
MUTUAL OF OMAHA (GRADED), ROYAL NEIGHBORS (GUARANTEED),
TRANSAMERICA Easy Solutions (GRADED)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
-
And the way this one works is, if you pass away from an accidental death, [Beneficiary’s Name] will get the full coverage amount from day one.
-
Now when it comes to natural causes, the good news is that the company is still going to take while they see how your health is for the first two years. So if you pass in the first two years, [Beneficiary’s Name] will get a full refund of what you paid, with 10% on top.
-
Now after the second year, the company is going to unlock the full coverage for you so that [Beneficiary’s Name] gets the full coverage amount regardless of the cause of death, tax free.
"On top of the death benefit, this policy has a savings account inside of it that builds with interest. So go ahead and write down "Cash Value" [Repeat "Cash Value"]. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5 - 4.5% interest each year. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call in, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have."
(ONLY AVAILABLE WITH COREBRIDGE OUTSIDE OF CALIFORNIA). "And because your of your health status today, it looks like the company is going to unlock another benefit for you that gives you early access to your coverage at no additional cost. So go ahead and write down "Early Access" [Repeat "Early Access"]. So if you're diagnosed with an illness that only gives you a year or less to live, you can actually access up to 50% of your death benefit while you’re still alive. This can help you make arrangements ahead of time, or you can use it for other expenses that will make it easier for the family to take care of you."
AMERICO SELECT TEIR 3 (GRADED)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy. So for benefit #1 go ahead and write down "Never expires, price never changes. [Repeat "Never expires, price never changes"]. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life so it will always be there for [Beneficiary’s Name] when [he/she] needs it.
-
And the way this one works is, if you pass away from an accidental death, [Beneficiary’s Name] will get the full death benefit amount from day one.
-
If you pass away of natural causes within the first two years, [Beneficiary’s Name] will get a return of all the premiums you’ve made, plus interest. The interest will depend on which month you pass away. For example, if you pass away in the 12th month from the effective date, your beneficiary will receive a return of all premiums, plus 12% interest.
-
Now after the second year, [Beneficiary’s Name] will get the full death benefit amount regardless of the cause of death, tax free.
"On top of the death benefit, this policy has a savings account inside of it that builds with interest. So go ahead and write down "Cash Value" [Repeat "Cash Value"]. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5 - 4.5% interest each year. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call in, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have."
(ONLY AVAILABLE WITH COREBRIDGE OUTSIDE OF CALIFORNIA). "Another huge benefit of this policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 50% of your death benefit while you’re still alive. This can help with bills, long term care costs, or get you the medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?"
AMERICAN AMICABLE
Senior Choice (GRADED)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy and the major benefits of this one is that it never goes up in price, and it never expires, so it will always be there for [Beneficiary’s Name] when [he/she] needs it. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life ok."
-
And the way this one works is, if you pass away from an accidental death, [Beneficiary’s Name] will get the full death benefit amount from day one.
-
If you pass away of natural causes within the first year, [Beneficiary’s Name] will get 30% of the death benefit, tax free.
-
If you pass away of natural causes within the second year, [Beneficiary’s Name] will get 70% of the death benefit, tax free.
-
Now after the second year, [Beneficiary’s Name] will get the full death benefit amount regardless of the cause of death, tax free.
"On top of the death benefit, this policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5 - 4.5% interest each year. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call in, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have."
"Another huge benefit of this policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 100% of your death benefit while you’re still alive. This can help with bills, long term care costs, or get you the medical treatment that your health insurance won’t cover. Any Questions for me [Applicant’s Name]?"
ROYAL NEIGHBORS
Legacy (GRADED)
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy and the major benefits of this one is that it never goes up in price, and it never expires, so it will always be there for [Beneficiary’s Name] when [he/she] needs it. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life ok."
-
And the way this one works is, if you pass away from an accidental death, [Beneficiary’s Name] will get the full death benefit amount from day one.
-
If you pass away of natural causes within the first year, [Beneficiary’s Name] will get 30% of the death benefit, tax free.
-
If you pass away of natural causes within the second year, [Beneficiary’s Name] will get 70% of the death benefit, tax free.
-
Now after the second year, [Beneficiary’s Name] will get the full death benefit amount regardless of the cause of death, tax free.
"On top of the death benefit, this policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5 - 4.5% interest each year. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call in, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have."
"Another huge benefit of this policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access your death benefit while you’re still alive. This can help with bills, long term care costs, or get you the medical treatment that your health insurance won’t cover. Any Questions for me [Applicant’s Name]?"
AMERICAN AMICABLE FAMILY / SENIOR CHOICE
Return of Premium ages 0-64
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy and the major benefits of this one is that it never goes up in price, and it never expires, so it will always be there for [Beneficiary’s Name] when [he/she] needs it. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life ok."
-
And the way this one works is, if you pass away from an accidental death, [Beneficiary’s Name] will get the full death benefit amount from day one.
-
If you pass away of natural causes within the first three years, [Beneficiary’s Name] will get 110% of the premiums you’ve paid, tax free.
-
Now after the third year, [Beneficiary’s Name] will get the full death benefit amount regardless of the cause of death, tax free.
"On top of the death benefit, this policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5 - 4.5% interest each year. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call in, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have."
"Another huge benefit of this policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 100% of your death benefit while you’re still alive. This can help with bills, long term care costs, or get you the medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?"
AMERICAN AMICABLE FAMILY / SENIOR CHOICE
Return of Premium ages 65-85
"OK [Client’s Name], according to your answers on the medical intake, it looks like you may qualify for a whole life policy and the major benefits of this one is that it never goes up in price, and it never expires, so it will always be there for [Beneficiary’s Name] when [he/she] needs it. Some plans go up in price every few years or expires when people need it the most, but this one is locked in for the rest of your life ok."
-
And the way this one works is, if you pass away from an accidental death, [Beneficiary’s Name] will get the full death benefit amount from day one.
-
If you pass away of natural causes within the first two years, [Beneficiary’s Name] will get 110% of the premiums you’ve paid, tax free.
-
Now after the second year, [Beneficiary’s Name] will get the full death benefit amount regardless of the cause of death, tax free.
"On top of the death benefit, this policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it will grow with 1.5 - 4.5% interest each year. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call in, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have."
"Another huge benefit of this policy is that it comes with a terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 100% of your death benefit while you’re still alive. This can really help with bills, long term care costs, or get you the medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?"
AMERICO TERM 100
Term Life
"OK [Applicant’s Name], according to your answers on the medical intake, you may qualify for term life coverage, which allows you to get higher coverage at a much lower rate, that will never go up during the term. If you pass away of any cause whether it’s natural or accidental, [Beneficiary’s Name] will get the death benefit tax free…so [he / she] can grieve properly without all the added stress of the [funeral / cremation] costs or bills [he / she] may need to take on by [himself / herself].
Another huge benefit of this policy is that it comes with a Terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access a portion of your death benefit while you’re still alive. This can help with bills, long term care costs, or medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?
(NOT AVAILABLE IN CALIFORNIA). "Lastly, this policy also comes with a Chronic and Critical Illness rider at no additional cost. This allows you to access a portion of your death benefit while you’re still alive if you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, walking OR if you suffer from ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or a stroke. Any questions for me [Applicant’s Name]?"
AMERICO CBO 50
Term Cash Back
"OK [Applicant’s Name], according to your answers on the medical intake, you may qualify for the term cash back option, which allows you to get a 50% refund of all payments made you’ve made if you outlive the term. If you pass away of any cause whether it’s natural or accidental, [Beneficiary’s Name] will get the death benefit tax free…so [he / she] can grieve properly without all the added stress of the [funeral / cremation] costs or bills [he / she] may need to take on by [himself / herself]. This policy pays your family if you pass away AND pays you back if you live."
Another huge benefit of this policy is that it comes with a Terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access a portion of your death benefit while you’re still alive. This can help with bills, long term care costs, or medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?
(NOT AVAILABLE IN CALIFORNIA). Lastly, this policy also comes with a Chronic and Critical Illness rider at no additional cost. This allows you to access a portion of your death benefit while you’re still alive if you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, walking OR if you suffer from ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or a stroke. Any questions for me [Applicant’s Name]?"
AMERICO CBO 100
Term Cash Back
"OK [Applicant’s Name], according to your answers on the medical intake, you may qualify for the term cash back option, which allows you to get a 100% refund of all payments made you’ve made if you outlive the term. If you pass away of any cause whether it’s natural or accidental, [Beneficiary’s Name] will get the death benefit tax free…so [he / she] can grieve properly without all the added stress of the [funeral / cremation] costs or bills [he / she] may need to take on by [himself / herself]. This policy pays your family if you pass away AND pays you back if you live."
Another huge benefit of this policy is that it comes with a Terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access a portion of your death benefit while you’re still alive. This can help with bills, long term care costs, or medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?
(NOT AVAILABLE IN CALIFORNIA). "Lastly, this policy also comes with a Chronic and Critical Illness rider at no additional cost. This allows you to access a portion of your death benefit while you’re still alive if you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, walking OR if you suffer from ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or a stroke. Any questions for me [Applicant’s Name]?"
AMERICO
Instant Indexed Universal Life
"OK [Applicant’s Name], according to your answers on the medical intake, you may qualify for a Indexed Universal Life Policy, which never goes up in price OR expires as long as premiums are met…so it’s always going to be there for [Beneficiary’s Name] when [he/she] needs it. If you pass away of any cause whether it’s natural or accidental, this policy will provide the death benefit to [Beneficiary's Name] so that [he / she] can grieve properly, without the added stress of the [funeral / cremation] costs or bills [he / she] may need to take on by [himself / herself].
On top of the death benefit, this policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it can grow with up to 15% interest each year depending on the performance of the market. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have.
Another huge benefit of this policy is that it comes with a Terminal illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you may access a portion of your death benefit while you’re still alive. This can help with bills, long term care costs, or medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?
(NOT AVAILABLE IN CALIFORNIA). Lastly, this policy also comes with a Chronic and Critical Illness rider at no additional cost. This allows you to access a portion of your death benefit while you’re still alive if you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, walking OR if you suffer from ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or a stroke. Any questions for me [Applicant’s Name]?"
MUTUAL OF OMAHA
Indexed Universal Life Express
"OK [Applicant’s Name], according to your answers on the medical intake, you may qualify for a whole life policy, which never goes up in price OR expires as long as premiums are met…so it’s always going to be there for [Beneficiary’s Name] when [he/she] needs it. If you pass away of any cause whether it’s natural or accidental, this policy will provide the death benefit to [Beneficiary's Name] so that [he / she] can grieve properly, without the added stress of the [funeral / cremation] costs or bills [he / she] may need to take on by [himself / herself].
On top of the death benefit, this policy has a savings account inside of it that builds with interest. So, each time you make a payment, you’re not losing your money, you’re actually putting it somewhere that it can grow with up to 9.25% interest each year depending on the performance of the market. Now it’s not enough to make you rich or put you on the millionaire list, but it’s enough to make a difference if you need it. So if you have an emergency 5 years from now, you can call the life insurance company, see how much you have saved up, and use that money for whatever you need it for. Now we don’t recommend that you do that because you definitely want to keep the policy in place for your family, but worst-case scenario, that is an option that you have.
Another huge benefit of this policy is that it comes with a Terminal illness, AND Chronic Illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, OR If you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, walking….you may get up to 80% of your death benefit while you’re still alive. This can help with bills, long term care costs, or get you the medical treatment that your health insurance won’t cover. Any questions for me [Applicant’s Name]?
(NOT AVAILABLE IN CALIFORNIA). Lastly, this policy also comes with a Critical Illness rider at no cost, and this allows you to get up to 80% of your death benefit while you’re still alive, if you suffer from ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or a stroke. Any questions for me [Applicant’s Name]?"
MUTUAL OF OMAHA
Term Life Express
"OK [Applicant’s Name], according to your answers on the medical intake, you may qualify for term life coverage, which allows you to get higher coverage at a much lower rate, that will never go up during the term. If you pass away of any cause whether it’s natural or accidental, [Beneficiary’s Name] will get the death benefit tax free…so [he / she] can grieve properly without all the added stress of the [funeral / cremation] costs or bills [he / she] may need to take on by [himself / herself].
Another huge benefit of this policy is that it comes with a terminal illness, Chronic illness and Critical Illness rider at no additional cost. So, if you get terminally ill and the doctor tells you that you only have a year or less to live, you can get up to 80% of your death benefit while you’re still alive. If you suffer from ALS, kidney failure, life-threatening cancer, major organ failure, heart attack, or a stroke…OR if you require supervision because you’re unable to perform 2 of 6 Activities of Daily Living (ADLs) for 90 days such as bathing, eating, or walking for example, you can get up to 80% of your death benefit upfront for these things as well. This can really help you and your family with any needed expenses, pay for long term care costs, or get you the medical treatment that your health insurance won’t cover.
Lastly, is the Residential Damage and Unemployment Waiver of Premium Rider which waives your payments for 6 months if your primary home suffers $25,000 or more of damage OR if you become unemployed after the first two years of your policy. Now these really help a lot of people keep their policy active and their loved ones protected while they get back on track when times are hard.
And one more thing [Applicant’s Name],…after two years, you can convert this term policy into a permanent policy without having to prove you’re in good health. This really helps if you get diagnosed with something that won’t allow you to get another policy, and you want to make sure that this will always be in place for your family when they need it, even after the term period. Any questions for me [Applicant’s Name]"