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Simplified Advantage
Simplified Life Insurance Solution for clients who want Peace of Mind and NO MEDICAL EXAM
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Typical Customer Profile
Wants Coverage Fast Doesn’t Like NeedlesWants To Maintain Privacy“White Coat Syndrome”May Have Medical IssuesEasier to Qualify – Fewer Underwriting
RequirementsPre-Underwriting Coverage
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Underwriting Issues
BuildDiabetesDUI / Driving recordDrug or alcohol abuseForeign Travel
Depression / AnxietyBlood PressureCholesterolFamily health historyOccupation / Sports
Conditions making it hard to get coverage
Do you know anyone affected by one or more of these issues?
Simplified issue life insurance is a solution.
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Simplified Advantage
o Permanent life insurance guaranteed level premium
o No medical exam, no APS, no fluids or needles
o Guaranteed cash values
o Maximum Face Amount $100,000
o NO PREMIUM MODAL FACTOR
o ACTUAL AGE CALCULATION
o Issued with limited proof of insurability (7 Questions)
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Simplified Advantage
o Insurance amount doubles in case of accidental death
o Issue ageso Age 40 to 70 $5,000 to $100,000
o Age 71 to 80 $5,000 to $50,000
o Guaranteed cash value option after 3 years
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Simplified Advantage
Living benefit50% of the sum insured in the event of a first-time occurrence of a terminal illness
Annual feepolicy $60.00rider (spouse) $0
Insurance coverage is immediate (no deferred option)Currently Paper application approved in 5 Business days
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Medical Questions
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Medical Questions
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Build Chart
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What about cost?Premiums for a simplified issue life
insurance are higher than those of a traditional whole life policy.
A higher risk is accepted by the insurance company on this type of product.
However, premiums for a simplified issue product may be lower than you think!
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Rate Table
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57 Male NS
La Capitale
Assumption Life
IA Equitable
10,000 35.30 38.47 37.29 37.59
25,000 80.75 88.07 85.12 87.23
50,000 156.50 170.73 164.84 169.97
75,000 232.25 N/A N/A N/A
100,000 308.00 N/A N/A N/A
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70 Male NS
La Capitale
Assumption Life
IA Equitable
10,000 80.70 82.92 80.46 82.02
25,000 194.25 199.19 193.05 198.29
50,000 383.50 392.99 380.70 392.09
75,000 572.75 N/A N/A N/A
100,000 762.00 N/A N/A N/A
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65 Female NS
La Capitale
Assumption Life
IA Equitable
10,000 45.30 46.36 45.70 45.46
25,000 105.75 107.80 106.16 106.90
50,000 206.50 210.20 206.91 209.30
75,000 307.25 N/A N/A N/A
100,000 408.00 N/A N/A N/A
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Highest Commission in the Industry
FYC is 45% BONUS*
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Loyalty Bonus Minimum ann. Prod. of $10,000 in FYC for Life plans Minimum of 12 issued applications Additional compensation percentage increases each
consecutive year.
Consecutive years Addn’l Bonus (% of FYC) 1 15% 2 20% 3 25% 4 30%
Qualifies For Convention
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OUR MAIN FOCUS
Helping You Help Your Clients