Long Term Care Insurance Solutions for Agents, Brokers, GA's & BGA's

Preliminary Underwriting

We have professional underwriters that can pre-underwrite cases based on health information provided by an agent. This resource helps determine the best carrier for the client based on health conditions.

Policy Review

This valuable service provides expert review and analysis of existing policies. The statistics reveal that this generates a replacement with more favorable coverage of 53% of the policies reviewed.

Advanced Sales Consulting

With our staff of credentialed professionals we can aid agents in advanced case design. We can provide guidance for COLI, BOLI, insurance held in qualified plans and trust owned policies.

Estate Planning

We are able to assist in estate analysis and calculation of the estate conservation need. We can also assist in aligning agents with collateral professionals to address the various aspects of the estate planning process.

Business Insurance

This includes planning to help determine the need and amounts for Key Person Insurance, Buy-Sell, Deferred Compensation and employee benefits.

Life Settlements

This is not to be confused with viatical settlements or STOLI. This is a service that provides an enhanced value for a clients policy when it has outlived its usefulness or is no longer desirable to maintain. This service can provide an enhanced amount of cash to the client that may be utilized to purchase a new policy to address their current insurance needs.

SPECIALTY PRODUCTS

• Super Competitive Term Products
• Non-Tobacco Rates for “Other Tobacco” Users
• Table Shaving Program for Impaired Risk Cases
• Guaranteed Universal Life to Age 120
• Indexed Universal Life
• Whole Life Final Expense Policies
• Guaranteed Issue up to $250,000.
• Non-med Issue up to $350,000
• All Forms of Survivorship Life
• Exclusive Arrangement with Mayo Clinic that can Reduce Life Insurance COI’s by up to 40%