fidelity & guaranty life insurance company 1 savers select term sm
TRANSCRIPT
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 11
Saver’s Select TermSM
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 66
The answer is:The answer is:
SAVER’S SELECT TERMSAVER’S SELECT TERM
&&
RETURN OF PREMIUMRETURN OF PREMIUM
Have Life Insurers gone too far?Have Life Insurers gone too far?
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 77
“At last - a term life insurance product worth selling ”
Consumers
• Saver’s Select term provides easy to obtain coverage with unique benefits for families and small business owners.
• Saver’s Select term provides benefits when your client needs them and return of premium if they don’t.
Agents
• Saver’s Select allows the agent to earn better than average income with the addition of unique customer focused rider benefits.
• Saver’s Select liberal preferred underwriting allows the agent to place more cases without the need to resell the policy on delivery.
Saver’s SelectSaver’s Select Product Positioning Product Positioning
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 88
Competitive ratesCompetitive rates
Return of Premium and Disability Income Riders Return of Premium and Disability Income Riders
High 1st year commissionsHigh 1st year commissions
Renewal commissions- up to 10 yearsRenewal commissions- up to 10 years
Short form applicationShort form application
Age last birthdayAge last birthday
Liberal preferred underwritingLiberal preferred underwriting
Excellent smoker ratesExcellent smoker rates
No blood through $500k Age 40 and $250k age 50No blood through $500k Age 40 and $250k age 50
Commissionable policy feeCommissionable policy fee
Saver’s Select TermSaver’s Select Term
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 99
15, 20, or 30-year term15, 20, or 30-year term
$150,000 minimum face amount$150,000 minimum face amount
Rates guaranteed for 10 years or full term period by use of Rates guaranteed for 10 years or full term period by use of
RiderRider
Liberal preferred underwriting allows for more cases to Liberal preferred underwriting allows for more cases to
placed as submittedplaced as submitted
Convertible on or before tenth policy anniversary to ULConvertible on or before tenth policy anniversary to UL
Issue ages (age last birthday)Issue ages (age last birthday)10 year10 year term periodterm periodguaranteeguarantee guaranteeguarantee
15-year plan15-year plan 18-65 18-65 18-60 18-6020-year plan20-year plan 18-60 18-60 18-55 18-5530-year plan30-year plan 18-60 18-60 18-45 18-45
Saver’s SelectSaver’s Select Policy Design Policy Design
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1010
$60 policy fee, fully commissionable, no additional policy fee $60 policy fee, fully commissionable, no additional policy fee for up to three insuredsfor up to three insureds
Five Premium BandsFive Premium Bands
$150,000$150,000 -- $249,999$249,999
$250,000$250,000 -- $499,999$499,999
$500,000$500,000 -- $999,999$999,999
$1,000,000$1,000,000 -- $2,999,999$2,999,999
$3,000,000 and up$3,000,000 and up
Tremendous selection of ridersTremendous selection of riders Money back return of premium riderMoney back return of premium rider
Other insured rider (up to 3 per policy with only one policy fee)Other insured rider (up to 3 per policy with only one policy fee)
Disability protection riderDisability protection rider Waiver of PremiumWaiver of Premium Accelerated Death BenefitAccelerated Death Benefit
Saver’s SelectSaver’s Select Policy Design cont. Policy Design cont.
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1111
Short simple application for quicker turnaround timeShort simple application for quicker turnaround time
No Blood through age 40 & 500K, age 50 & 250KNo Blood through age 40 & 500K, age 50 & 250K
Easier for your clientEasier for your client
Two underwriting bands -- Preferred and Standard allow agent to Two underwriting bands -- Preferred and Standard allow agent to
sell rate with confidencesell rate with confidence
No need to resell case at delivery with higher rate No need to resell case at delivery with higher rate
Your Client: Male 45, 6’0 248, BP 150/90 Cholesterol 260, HDL 7.0 , Your Client: Male 45, 6’0 248, BP 150/90 Cholesterol 260, HDL 7.0 ,
one parent die before age 60 due to heart or cancer…one parent die before age 60 due to heart or cancer…
gets our gets our best rate!best rate!
Saver’s SelectSaver’s Select Simple Underwriting Simple Underwriting
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1212
Liberal Height & WeightLiberal Height & Weight
Liberal blood pressure readings Liberal blood pressure readings
150/90 age 50 and younger150/90 age 50 and younger
160/95 ages 51 + (blood pressure treatment allowed if 160/95 ages 51 + (blood pressure treatment allowed if
controlled over last 2 years)controlled over last 2 years)
Cholesterol Cholesterol
260 age 50 and younger260 age 50 and younger
280 ages 51 to 65280 ages 51 to 65
300 over age 65, Cholesterol/HDL ratio cannot exceed 7.0 300 over age 65, Cholesterol/HDL ratio cannot exceed 7.0
(Cholesterol treatment allowed if controlled over last 2 years)(Cholesterol treatment allowed if controlled over last 2 years)
Saver’s SelectSaver’s Select Liberal Preferred Underwriting Liberal Preferred Underwriting
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1313
Less than 30 days turnaround on fully underwritten applicationsLess than 30 days turnaround on fully underwritten applications
Easy to manage pending reports - SalesLinkEasy to manage pending reports - SalesLink
Weekly EFT availableWeekly EFT available
And Let’s talk commissions…And Let’s talk commissions…
High First Year Rate High First Year Rate
Commissionable policy feeCommissionable policy fee
ANDAND
Renewals up to 10 YearsRenewals up to 10 Years
Saver’s SelectSaver’s Select - Get Paid Faster - Get Paid Faster
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1414
Maximum monthly benefit is the lesser of:Maximum monthly benefit is the lesser of: $3,000 monthly $3,000 monthly oror 66 2/3% of monthly pay66 2/3% of monthly pay
Total disability is defined as inability to substantially perform Total disability is defined as inability to substantially perform in the usual and customary way the essential duties of “any in the usual and customary way the essential duties of “any occupation” for which the insured may qualify by reason of occupation” for which the insured may qualify by reason of education, training or experienceeducation, training or experience
Must be added at issue onlyMust be added at issue only 90 day wait 2 year benefit90 day wait 2 year benefit
Disability Protection Rider
Saver’s SelectSaver’s Select Riders Riders
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1515
Using this rider - up to 4 people can be insured under Using this rider - up to 4 people can be insured under the same policy.the same policy.
Ideal for business - allows policyowner to add or drop Ideal for business - allows policyowner to add or drop insureds as needed. insureds as needed.
The death of one insured does not affect coverage for The death of one insured does not affect coverage for the others.the others.
Face amounts may vary by individual.Face amounts may vary by individual. Available for all term periods.Available for all term periods.
Other Insured RiderOther Insured Rider
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1616
One premium is charged for all covered childrenOne premium is charged for all covered children
Issue ages: 15 days through 18 years of age; age last Issue ages: 15 days through 18 years of age; age last birthdaybirthday
Minimum/ maximum: $5,000/ $10,000; available in Minimum/ maximum: $5,000/ $10,000; available in increments of $1,000increments of $1,000
If primary insured dies while this rider is in effect; each If primary insured dies while this rider is in effect; each child will receive a paid- up term life policy to age 25.child will receive a paid- up term life policy to age 25.
Convertible to age 25.Convertible to age 25.
Children’s Level Term Life RiderChildren’s Level Term Life Rider
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1717
If client is diagnosed with a terminal illness, they can If client is diagnosed with a terminal illness, they can receive up to 50% of the policy death benefit, up to a receive up to 50% of the policy death benefit, up to a maximum of $250,000maximum of $250,000
Must be elected at policy issue.Must be elected at policy issue.
No Premium charge.No Premium charge.
One time administrative fee of $350 at time of claim.One time administrative fee of $350 at time of claim.
Accelerated Benefit RiderAccelerated Benefit Rider
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1818
Ideal for Income Replacement SalesIdeal for Income Replacement Sales
Easier to understand for ClientEasier to understand for Client
Selling Income - Not Face AmountSelling Income - Not Face Amount
Flexibility in Death Benefit PaymentFlexibility in Death Benefit Payment
Usually results in sizable discount over traditional capital approach to needs Usually results in sizable discount over traditional capital approach to needs determinationdetermination
Consider the following example...Consider the following example...
Ultimate Income EndorsementUltimate Income Endorsement
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 1919
40 year old Male Preferred NT40 year old Male Preferred NT
Wants $100,000 @ death for immediate cash needsWants $100,000 @ death for immediate cash needs
Also needs $3,000 per month income replacement for 25 years until age 65Also needs $3,000 per month income replacement for 25 years until age 65
Wants to help supplement spouses retirement with additional $100,000 paid at the Wants to help supplement spouses retirement with additional $100,000 paid at the end of 25 years.end of 25 years.
With a traditional capital needs approach the cost would be With a traditional capital needs approach the cost would be $1,156$1,156
Utilizing the Ultimate Income Rider the client can receive the payment exactly as they Utilizing the Ultimate Income Rider the client can receive the payment exactly as they want - GUARANTEED. For a premium of want - GUARANTEED. For a premium of $877$877 which represents a savings of which represents a savings of 24%.24%.
Ultimate Income EndorsementUltimate Income Endorsement
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2020
The Ultimate Income Rider allows the policyholder to designate how the The Ultimate Income Rider allows the policyholder to designate how the benefit will be paid with any or all of the following options:benefit will be paid with any or all of the following options:
An initial lump sum payable at death to take care of immediate cash An initial lump sum payable at death to take care of immediate cash needs.needs.
A choice of 5 to 25 years of dependable guaranteed monthly income.A choice of 5 to 25 years of dependable guaranteed monthly income.
A final lump sum to be used when the income stream is completed.A final lump sum to be used when the income stream is completed.
This benefit calculation is software supported.This benefit calculation is software supported.
Ultimate Income EndorsementUltimate Income Endorsement
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2121
Other BenefitsOther Benefits
Can be changed at any time by OwnerCan be changed at any time by Owner
Guarantees Income at a time it is needed mostGuarantees Income at a time it is needed most
Allows the spouse to “control” proceeds from the graveAllows the spouse to “control” proceeds from the grave
Easier to sell actual income instead of large face amountsEasier to sell actual income instead of large face amounts
Flexibility in death benefit design can reduce premiums in competitive situations.Flexibility in death benefit design can reduce premiums in competitive situations.
Eliminates concern for investment expertise.Eliminates concern for investment expertise.
Ultimate Income EndorsementUltimate Income Endorsement
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2222
Concept: Concept:
Coverage for your client if they need it…Coverage for your client if they need it…return of premium if they don’t!return of premium if they don’t!
Available at issue onlyAvailable at issue only Typically increases the premium by 30% on the 30- year Typically increases the premium by 30% on the 30- year
term, by 90% on the 20-year term, and by 144% in the 15- term, by 90% on the 20-year term, and by 144% in the 15- year termyear term
IS IT A GOOD DEAL FOR YOUR CLIENT?IS IT A GOOD DEAL FOR YOUR CLIENT?
Money Back Rider
Saver’s SelectSaver’s Select Riders Riders
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2323
Let’s assume the following:Let’s assume the following: Male / Age 45 / Pref. Non-tobacco / $500,000Male / Age 45 / Pref. Non-tobacco / $500,000
Saver’s Select Term $500,000 w/o Return of Premium =Saver’s Select Term $500,000 w/o Return of Premium =
$1275.00$1275.00
Saver’s Select Term $500,000 w/ Return of Premium =Saver’s Select Term $500,000 w/ Return of Premium =
$1615.00$1615.00
Increased cost to provide guaranteed Return of Premium =Increased cost to provide guaranteed Return of Premium =
$340.00$340.00
Additional $340.00 generates a guaranteed refund of Additional $340.00 generates a guaranteed refund of
premium of $48,450 at the end of 30 years.premium of $48,450 at the end of 30 years.
The net result...The net result...
Money Back Rider
Saver’s SelectSaver’s Select Riders Riders
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2424
8.67%8.67%Net after-tax guaranteed equivalent over 30 yearsNet after-tax guaranteed equivalent over 30 years
Money Back Rider
Saver’s SelectSaver’s Select Riders Riders
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2525
Full money back is paid if the Full money back is paid if the policy is kept in force to the end policy is kept in force to the end of the term periodof the term period
No money back is paid for No money back is paid for lapses in the first 5 policy yearslapses in the first 5 policy years
Partial money back is available Partial money back is available for lapses after 5 policy years, in for lapses after 5 policy years, in the following percentages of the following percentages of premiums paid:premiums paid:
Money Back Rider
Saver’s SelectSaver’s Select Riders Riders
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2626
03/07/0103/07/01
Information is deemed reliable.Information is deemed reliable.
Rates subject to change Rates subject to change
by the minute.by the minute.
COMPULIFE TERM4SALE
SAVER’S SELECT TERM COMPARISONSAVER’S SELECT TERM COMPARISON
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2727
Saver’s SelectSaver’s Select Term Comparison Term Comparison
30 year TermFace Amount $250,000Male: 35Non-Smoker10 year Rate Guarantee
Company Class 1 Class 2
First Penn $242.50 305.00$ Old Line Life 335.00$ 382.50$ TransAmericia 340.00$ 347.50$ North American 247.50$ 347.50$ F&G Life 317.50$ 317.50$ F&G Life w/ROP 390.00$ 390.00$
Age 35 Comparison
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2828
Saver’s SelectSaver’s Select Term Comparison Term Comparison
30 year TermFace Amount: $250,000Male: 35Smoker10 year Rate Guarantee
Company Class 1 Class 2
West Coast 717.50$ 847.50$ First Penn 640.00$ 945.00$ North American 755.00$ 865.00$ Valley Forge (CND) 770.00$ 1,047.50$ Old Line 912.50$ 1,110.00$ Great American 940.00$ 1,115.00$ F&G Life 680.00$ 680.00$ F&G Life w/ROP 860.00$ 860.00$
Age 35 Comparison
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 2929
Saver’s SelectSaver’s Select Term Comparison Term Comparison
Age 45 Comparison
30 year TermFace Amount: $500,000Male: 45Non-Smoker10 year Rate Guarantee
Company Class 1 Class 2
North American 960.00$ 1,215.00$ Old Line Life 970.00$ 1,205.00$ Lincoln Benefit 1,090.00$ 1,265.00$ Federal Kemper 980.00$ 1,205.00$ TransAmerica 1,135.00$ 1,235.00$ First Penn 955.00$ 1,285.00$ F&G Life 1,275.00$ 1,275.00$ F&G Life w/ROP 1,615.00$ 1,615.00$
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3030
Saver’s SelectSaver’s Select Term Comparison Term Comparison
30 year TermFace Amount: $500,000Male: 45Smoker10 year Rate Guarantee
Company Class 1 Class 2
Great American 4,460.00$ 5,340.00$ Midland National 3,295.00$ 3,685.00$ North American 3,640.00$ 4,290.00$ TransAmerica 3,300.00$ 5,530.00$ Old Republic 3,640.00$ 3,975.00$ West Coast 3,720.00$ 3,835.00$ F&G Life 2,875.00$ 2,875.00$ F&G Life w/ROP 3,690.00$ 3,690.00$
Age 45 Comparison
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3131
Saver’s SelectSaver’s Select Term Comparison Term Comparison
30 year TermFace Amount: $1,000,000Male: 55Non-Smoker10 year Rate Guarantee
Company Class 1 Class 2
Empire General 6,325.00$ 9,005.00$ North American 5,615.00$ 6,815.00$ West Coast 5,980.00$ 8,600.00$ Conseco 7,230.00$ 9,990.00$ F&G Life 7,180.00$ 7,180.00$ F&G Life w/ROP 9,180.00$ 9,180.00$
Age 55 Comparison
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3232
Saver’s SelectSaver’s Select Term Comparison Term Comparison
30 year TermFace Amount: $1,000,000Male: 55Smoker10 year Rate Guarantee
Company Class 1 Class 2
Conseco 14,210.00$ 19,310.00$ Empire General 13,935.00$ 15,395.00$ West Coast 18,075.00$ 20,090.00$ North American 17,315.00$ 19,165.00$ F&G Life 13,280.00$ 13,280.00$ F&G Life w/ROP 17,110.00$ 17,110.00$
Age 55 Comparison
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3333
How good is age last How good is age last
birthday?birthday?
Saver’s SelectSaver’s Select Benefits Benefits
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3434
50% of the time you have a better rate than the competition-- 50% of the time you have a better rate than the competition--
just because of agejust because of age
Less confusing to your clients Less confusing to your clients
Difference in Rates for competitors: Difference in Rates for competitors:
Male N/S 45 and 46 Pref. 30/10Male N/S 45 and 46 Pref. 30/10
Federal Kemper: 9% increaseFederal Kemper: 9% increase
First Penn-Pacific: 12.5% increaseFirst Penn-Pacific: 12.5% increase
Old Line Life: 12.5% increaseOld Line Life: 12.5% increase
Saver’s SelectSaver’s Select Benefits Age Last Birthday Benefits Age Last Birthday
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3535
Saver’s SelectSaver’s Select Term Comparison Term Comparison
Age Last Birthday30 year TermFace Amount: $500,000Male: 45Non-Smoker Class 210 year Rate Guarantee
Company Age Near 46 All Age 45
North American 1,350.00$ 1,215.00$ Old Line Life 1,335.00$ 1,205.00$ First Colony 1,460.00$ 1,355.00$ Federal Kemper 1,315.00$ 1,205.00$ Old Republic 1,360.00$ 1,250.00$ First Penn 1,445.00$ 1,285.00$ F&G Life 1,275.00$ 1,275.00$ F&G Life w/ROP 1,615.00$ 1,615.00$
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3636
What is better than a fully What is better than a fully
guaranteed 30 year term life guaranteed 30 year term life
insurance product?insurance product?
Saver’s SelectSaver’s Select Benefits Benefits
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3737
A 30 year term life insurance A 30 year term life insurance
product from F&G Life with a product from F&G Life with a
return of premium rider!return of premium rider!
Saver’s SelectSaver’s Select Benefits Benefits
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3838
Compare 30 year term product with fully guaranteed rates versus Compare 30 year term product with fully guaranteed rates versus
30 year term with 10 years guaranteed and the Return of Premium 30 year term with 10 years guaranteed and the Return of Premium
RiderRider
Male 45 $500,000 non-smoker Preferred Class:Male 45 $500,000 non-smoker Preferred Class:
F&G Life preferred with Return of Premium F&G Life preferred with Return of Premium $1,615$1,615
First Penn-Pacific LifeFirst Penn-Pacific Life GTO30GTO30 $2,125$2,125
The Old Line LifeThe Old Line Life $1,970$1,970
North AmericanNorth American $1,750$1,750
Protective LifeProtective Life $1,615$1,615
West CoastWest Coast $1,745$1,745
Coverage with more than canceled checks Coverage with more than canceled checks
End of 30 year period ROPEnd of 30 year period ROP $48,450$48,450
Saver’s SelectSaver’s Select Benefits Return of Premium Rider Benefits Return of Premium Rider
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 3939
X,XXX,XXX term life insurance policies sold over last X,XXX,XXX term life insurance policies sold over last
5 years.5 years.
7 out of 8 illustrated were issued other than best rate7 out of 8 illustrated were issued other than best rate
No renewal commissionNo renewal commission
No service feesNo service fees
Most without Disability Income riderMost without Disability Income rider
Most without Return of Premium RiderMost without Return of Premium Rider
Introducing F&G Life’s….Introducing F&G Life’s….
A GREAT SALES OPPORTUNITYA GREAT SALES OPPORTUNITY
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4040
Full Commissions!Full Commissions!
Non-MedicalNon-Medical
No Medical ExaminationNo Medical Examination
No BloodNo Blood
No HOSNo HOS
Short-Form ApplicationShort-Form Application
Renewals up to 10 years. Renewals up to 10 years.
Any fully-underwritten term issued in last 5 years*Any fully-underwritten term issued in last 5 years*
**consult ineligible carrier consult ineligible carrier
listlist
Saver’ Select Term Exchange ProgramSaver’ Select Term Exchange Program
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4141
The Hottest Term Product in America is Sizzling!The Hottest Term Product in America is Sizzling!
Term to Term exchangeTerm to Term exchange
Up through age 60Up through age 60
Face amounts from $150,000 to $500,000Face amounts from $150,000 to $500,000
Rider’s are transferred if available on Saver’s SelectRider’s are transferred if available on Saver’s Select
Up to 3 additional insureds can be added to 1 policyUp to 3 additional insureds can be added to 1 policy
Can add Can add Return of Premium RiderReturn of Premium Rider
Initial Premium Draft - Initial Premium Draft - NEWNEW
PreferredPreferred class available class available
Saver’s Select Term Exchange ProgramSaver’s Select Term Exchange Program
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4242
Simple ProcessSimple Process
Complete Short-form applicationComplete Short-form application
Attached original policy and photocopy of app & Attached original policy and photocopy of app &
medical exammedical exam
Complete transfer of ownership formComplete transfer of ownership form
Complete exchange transmittalComplete exchange transmittal
Initial Premium Draft or PAC if requestedInitial Premium Draft or PAC if requested
State replacement form if applicableState replacement form if applicable
Saver’ Select Term Exchange ProgramSaver’ Select Term Exchange Program
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4343
Ineligible Carrier ListIneligible Carrier List Empire GeneralEmpire General
F&G Life (no internal exchanges allowed)F&G Life (no internal exchanges allowed)
Guaranteed TrustGuaranteed Trust
Lincoln BenefitLincoln Benefit
Manhattan NationalManhattan National
The MidlandThe Midland
Merit LifeMerit Life
State LifeState Life
United of OmahaUnited of Omaha
U.S. FinancialU.S. Financial
Saver’s Select Term Exchange ProgramSaver’s Select Term Exchange Program
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4444
Saver’s Select Term Exchange ProgramSaver’s Select Term Exchange Program
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4545
F&G Life has designed F&G Life has designed Saver’s SelectSaver’s Select to to
aggressively compete in the “neglected” brokerage aggressively compete in the “neglected” brokerage
term marketterm market
Saver’s SelectSaver’s Select exemplifies F&G Life’s commitment exemplifies F&G Life’s commitment
to niche market opportunitiesto niche market opportunities
Saver’s SelectSaver’s Select delivers distinct benefits to your delivers distinct benefits to your
clientsclients
Agents now have a product that they can afford to Agents now have a product that they can afford to
sell with less hassle for you & your customer sell with less hassle for you & your customer
Summary and ConclusionsSummary and Conclusions
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4646
““Benefits for your clients if Benefits for your clients if they need them…return of they need them…return of
premium if they don’t”premium if they don’t”
Saver’s Select…..SimplySaver’s Select…..Simply
Fidelity & Guaranty Life Insurance CompanyFidelity & Guaranty Life Insurance Company 4747
Saver’s Select Marketing MaterialsSaver’s Select Marketing Materials