VOLUME ONE - 2015
fmiPathfinder
fmiPathfinder
Always providing you a choice of options...where the path becomes apparent.
• Fixed Annuities
• Fixed Indexed Annuities
• Immediate Annuities
• Long Term Care
• Long Term Care with Universal Life
• Disability Income
• Critical Illness
• Medicare Supplement
• Term Life
• Return of Premium
• Fixed Universal Life
• Indexed Universal Life
• Second-to-Die
• Traditional Whole Life
• Final Expense
Term Life Insurance
VOLUME ONE - 2015
fmiPathfinder
Always providing you a choice of options...
where the path becomes apparent.
P.O. Box 3980 • Rapid City, SD 57709
Welcome to the first issue of the fmiPathfinder magazine for
2015. This year is looking to be one of the most exciting years our
industry has experienced in the past decade. Interest rates look
to be on the rise, at least slightly; carriers are creating more
innovative products than ever and awareness of the products
you sell is increasing.
This year marks the 20th anniversary of index annuities,
where credited interest is linked to changes in equity indices.
Can you believe it has been 20 years? Since 1995, the
industry has issued over $400 billion within these products.
Index annuities are now mainstream in our business.
Why are index products so popular with consumers
today? In this prolonged low interest rate environment, your
clients are seeking safety of principal but still need and desire
growth that is not easily achieved with other “safe money”
vehicles. Currently, the 10-Year U.S. Treasury is hovering
around two percent. During this same time in 1995, the
10-Year U.S. Treasury was around seven percent. Many baby
boomers made retirement plans with those 1990’s interest rate
assumptions. Now they are retiring and wondering how to
sustain their retirement in historically low interest rates. This is a
perfect storm for the products you sell.
Welcome to the new opportunity for your baby boomers: index
annuity products. For retirement planning, they can purchase a
traditional fixed annuity product with rates around two to three percent.
Or they can choose an index annuity product with potential, and realistic,
long-term returns of four to six percent. Additional income riders, available
on many fixed and fixed index products, provide clients a steady income
stream they cannot outlive. Most products also offer partial, continuous
access to the account for emergency needs while providing a lump sum or
income stream to their heirs upon death. Baby boomers are overwhelmingly
finding these “safe money” options fit their financial needs and goals. Are you
on-board?
We have created this magazine in order to inform you, the agent, of the
numerous products Financial Markets, Inc. has to offer, including indexed annuities.
You may also join us for our free weekly online training sessions to further your skills
and learn about the various retirement tools you can provide your clients.
Thank you for doing business with
Financial Markets, Inc.
R. Neil Sperling, LTCP
Vice President,
Financial Markets, Inc.
We are here for your life.
SMFor agent use only. Not for consumer use. Copyright © 2015 Financial Markets, Inc. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior
Table of Contents
Term Life ...2-4
Return of Premium ... 5
Fixed Universal Life ...6-7
Indexed Universal Life ...8-9
Second-to-Die ... 9-10
Traditional Whole Life ...11
Final Expense ... 11-12
Multi-Year Guarantee Annuities ...14
Fixed Annuities ...15
Fixed Indexed Annuities ... 16-17
Immediate Annuities ...18
Long Term Care ...19
Long Term Care with Universal Life ...19
Disability Income ...20
Critical Illness ...20
Term Life Insurance
Accordia Life and Annuity Company
A- by A.M. BestIssue ages from 18 to 75. Age nearest birthday. Minimum face amount $50,000. Conversion option available with convertible waiver. Accidental death benefit rider available. Additional insured rider available. Level Terms Including: ART, 10, 20, & 30 Years
Rating:
Features:
Product Type:
American General Life Companies
A by A.M. BestIssue ages from 20 to 85. Age nearest birthday. Minimum face amount $100,000. Conversion option available. Select Income rider available. Disability income rider available.
Level Terms Including: 1, 10, 15 through 30 Years
Rating:
Features:
Product Type:
Americo Financial Life and Annuity
Insurance Company
A by A.M. BestIssue ages from 20 to 75. Age last birthday. Minimumface amount $25,000. Waiver of premium for unemploy-ment available. Accept/Reject through table 6. Non-med up to $400,000.
Non-Med Level Terms Including: 15, 20, 25 & 30 Years
Rating:
Features:
Product Type:
Ameritas Life Insurance Corporation
A by A.M. BestIssue ages from 18 to 80. Age nearest birthday. Minimum face amount $100,000. Conversion option available with credits. 12-Month non-tobacco definition. Occasional cigar may qualify for non-tobacco rates. Level Terms Including: 1, 10, 15, 20 & 30 Years
Rating:
Features:
Product Type:
Assurity Life Insurance Company
A- by A.M. BestIssue ages from 18 to 75. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Other insured rider available. Critical illness rider available. Non-med up to $350,000.
Level Terms Including: 10, 15, 20 & 30 Years
Non-Med Level Terms Including: 10, 15, 20 & 30 Years
Rating:
Features:
Product Type:
Banner Life Insurance Company
A+ by A.M. BestIssue ages from 20 to 80. Age nearest birthday. Minimum face amount $100,000. Conversion option available. 12-Month non-tobacco definition. Medical second opinion program available.
Level Terms Including: 10, 15, 20 & 30 Years
Rating:
Features:
Product Type:
Genworth Life Insurance Company
A by A.M. BestIssue ages from 0 to 80. Age nearest birthday. Minimum face amount $50,000. Conversion option available. Occasional cigar use may qualify for non-tobacco rates. Liberal height and weight chart.
Level Terms Including: 10, 15 & 20 Years
Rating:
Features:
Product Type:
VOLUME ONE - 2015
fmiPathfinder
Always providing you a choice of options...
where the path becomes apparent.
P.O. Box 3980 • Rapid City, SD 57709
Welcome to the first issue of the fmiPathfinder magazine for
2015. This year is looking to be one of the most exciting years our
industry has experienced in the past decade. Interest rates look
to be on the rise, at least slightly; carriers are creating more
innovative products than ever and awareness of the products
you sell is increasing.
This year marks the 20th anniversary of index annuities,
where credited interest is linked to changes in equity indices.
Can you believe it has been 20 years? Since 1995, the
industry has issued over $400 billion within these products.
Index annuities are now mainstream in our business.
Why are index products so popular with consumers
today? In this prolonged low interest rate environment, your
clients are seeking safety of principal but still need and desire
growth that is not easily achieved with other “safe money”
vehicles. Currently, the 10-Year U.S. Treasury is hovering
around two percent. During this same time in 1995, the
10-Year U.S. Treasury was around seven percent. Many baby
boomers made retirement plans with those 1990’s interest rate
assumptions. Now they are retiring and wondering how to
sustain their retirement in historically low interest rates. This is a
perfect storm for the products you sell.
Welcome to the new opportunity for your baby boomers: index
annuity products. For retirement planning, they can purchase a
traditional fixed annuity product with rates around two to three percent.
Or they can choose an index annuity product with potential, and realistic,
long-term returns of four to six percent. Additional income riders, available
on many fixed and fixed index products, provide clients a steady income
stream they cannot outlive. Most products also offer partial, continuous
access to the account for emergency needs while providing a lump sum or
income stream to their heirs upon death. Baby boomers are overwhelmingly
finding these “safe money” options fit their financial needs and goals. Are you
on-board?
We have created this magazine in order to inform you, the agent, of the
numerous products Financial Markets, Inc. has to offer, including indexed annuities.
You may also join us for our free weekly online training sessions to further your skills
and learn about the various retirement tools you can provide your clients.
Thank you for doing business with
Financial Markets, Inc.
R. Neil Sperling, LTCP
Vice President,
Financial Markets, Inc.
We are here for your life.
SMFor agent use only. Not for consumer use. Copyright © 2015 Financial Markets, Inc. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior
Term Life Insurance
Term Life Insurance
John Hancock Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 80. Age nearest birthday. Minimum face amount $500,000. Conversion option available. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates.Level Terms Including: 10, 15 & 20 Years
Rating:
Features:
Product Type:
Liberty Life Assurance Company
of Boston
A by A.M. BestIssue ages from 18 to 70. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Receive up to 90% of death benefit early if diagnosed terminally or chronically ill. Non-med up to $250,000. Level Terms Including: 10, 15, 20 & 30 Years
Non-Med Level Terms Including: 10, 15, 20 & 30 Years
Rating:
Features:
Product Type:
Lincoln National Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 80. Age nearest birthday.Minimum face amount $250,000. Conversion option available. Non-tobacco rates for non-cigarette users. Level Terms Including: 10, 15, 20 & 30 Years
Rating:
Features:
Product Type:
National Western Life Insurance
Company
A by A.M. BestIssue ages from 20 to 65. Age last birthday. Minimumface amount $15,000. Graded benefit for 3 years. No tobacco classification. Liberal height and weight chart. Non-med up to $150,000.
Graded Terms Including: 10 & 20 Years
Rating:
Features:
Product Type:
North American Company for
Life and Health Insurance
A+ by A.M. BestIssue ages from 18 to 75. Age nearest birthday.Minimum face amount $100,000. Conversion option available.
Level Terms Including: 10, 15, 20 & 30 Years
Rating:
Features:
Product Type:
Protective Life Insurance Company
A+ by A.M. BestIssue ages from 18 to 75. Age nearest birthday. Minimum face amount $100,000. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates.
Level Terms Including: 10, 15, 20, 25 & 30 Years
Rating:
Features:
Product Type:
Prudential Insurance Company
of America
A+ by A.M. BestIssue ages from 18 to 75. Age last birthday. Minimumface amount $50,000. Conversion option available with credits. Non-tobacco rates for non-cigarette users. Waiver of premium for unemployment available. Level Terms Including: 1, 10, 15, 20, 30 to Age 65 Years
Rating:
Features:
Product Type:
To show our appreciation for
your business, policies placed
with Financial Markets, Inc.
can be covered under our
group policy.
Why pay for E&O Coverage
when you can get it for free?
COVERAGE
E&O
COVERAGE
FREE
E&O
FREE
CALL TODAY!
Term Life Insurance
Transamerica Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 80. Age nearest birthday forTrendsetter Super and age last birthday for all other Trendsetter products. Minimum face amount $25,000. Conversion option available. Occasional cigar use may qualify for non-tobacco rates. Non-med up to $249,999. Level Terms Including: YRT, 10, 15, 20, 25 & 30 Years Non-Med Level Terms Including: 10, 15, 20, 25 & 30 Years
Rating:
Features:
Product Type:
United of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 80. Age last birthday. Minimumface amount $25,000. Conversion option available. 12-Month non-tobacco definition. Waiver of premium for unemployment available. Waiver of premium for residential damage available. Non-med up to $400,000. Level Terms Including: 10, 15, 20 & 30 Years
Non-Med Level Terms Including: 15, 20 & 30 Years
Rating:
Features:
Product Type:
Term Life Insurance
To show our appreciation for
your business, policies placed
with Financial Markets, Inc.
can be covered under our
group policy.
Why pay for E&O Coverage
when you can get it for free?
COVERAGE
E&O
COVERAGE
FREE
E&O
FREE
CALL TODAY!
Fixed Universal Life
Return of Premium Term
American General Life Companies
A by A.M. BestIssue ages from 20 to 55. Age nearest birthday. Minimum face amount $100,000. Conversion option available. Reduced paid up option available.
ROP Level Terms Including: 20 through 35 Years
Rating:
Features:
Product Type:
Assurity Life Insurance Company
A- by A.M. BestIssue ages from 18 to 60. Age last birthday. Minimum face amount $50,000. Conversion option available with Critical illness rider. Non-med up to $350,000.
ROP Level Terms Including: 20 & 30 Years
ROP Non-Med Level Terms Including: 20 & 30 Years
Rating:
Features:
Product Type:
Prudential Insurance Company
of America
A+ by A.M. BestIssue ages from 18 to 65. Age last birthday. Minimumface amount $100,000. Conversion option available. Non-tobacco rates for non-cigarette users. Reduced paid up option available.
ROP Level Terms Including: 15, 20 & 30 Years
Rating:
Features:
Product Type:
Transamerica Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 55. Age nearest birthday.Minimum face amount $25,000. Conversion option available. Reduced paid up option available. Non-med up to $99,999.
ROP Level Terms Including: 20 & 30 Years
ROP Non-Med Level Terms Including: 20 & 30 Years
Rating:
Features:
Product Type:
United of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 50. Age last birthday. Minimum faceamount $25,000. Conversion option available. 12-Month non-tobacco definition. Waiver of premium for un-employment available. Waiver of premium for residential damage available. Non-med up to $400,000.
ROP Non-Med Level Terms Including: 20 & 30 Years
Rating:
Features:
Product Type:
Visit
www.fmiAgent.com
and click on
Status
Fixed Universal Life
Accordia Life and Annuity Company
A- by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. 12-Month non-tobacco defini-tion. Wellness rider available. Life underwriting credit available through table 8 (subject to change). Universal Life
Rating:
Features:
Product Type:
American General Life Companies
A by A.M. BestIssue ages from 18 to 90. Age nearest birthday. Minimum face amount $100,000. Low cost, high target with maturity at age 121. Table shave available up to table 2 (subject to change).
Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Americo Financial Life and Annuity
Insurance Company
A by A.M. BestIssue ages from 20 to 60. Age last birthday. Minimumface amount $25,000. Return of premium available. No-lapse guarantee periods of 15, 20, 25 and 30 years. Non-med up to $400,000.
Simplified Issue Universal Life
Rating:
Features:
Product Type:
Ameritas Life Insurance Corporation
A by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $50,000. Care4Life rider
available. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit). Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Assurity Life Insurance Company
A- by A.M. BestIssue ages from 0 to 85. Age last birthday. Minimum face amount $25,000. Other insured rider available. Non-med up to $149,999.
Universal Life
Rating:
Features:
Product Type:
Banner Life Insurance Company
A+ by A.M. BestIssue ages from 20 to 85. Age nearest birthday.
Minimum face amount $50,000. 12-Month non-tobacco definition. Medical second opinion program available. Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Genworth Life Insurance Company
A by A.M. BestIssue ages from 16 to 80. Age nearest birthday. Mini-mum face amount $50,000. Occasional cigar use may qualify for non-tobacco rates.
Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Indexed Universal Life
Fixed Universal Life
John Hancock Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 90. Age nearest birthday. Minimumface amount $50,000. 12-Month non-tobacco definition. Long term care rider available. Quit smoking incentive. Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Lincoln National Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimumface amount $25,000. Non-tobacco rates for non-cigarette users. Change of insured rider available. Table shave available up to table 3 (subject to change). Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
North American Company for
Life and Health Insurance
A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday for CustomGuarantee and Custom TermGUL and age last birthday for Custom GrowthCV. Minimum face amount $25,000. Chronic illness rider available.
Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Protective Life Insurance Company
A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Long term care rider available.
Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Prudential Insurance Company
of America
A+ by A.M. BestIssue ages from 0 to 90. Age last birthday. Minimum faceamount $25,000. Non-tobacco rates for non-cigarette users. Dial-a-guarantee feature available.
Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Transamerica Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 89. Age last birthday. Minimum faceamount $25,000. Single premium product available. Occasional cigar use may qualify for non-tobacco rates. Universal Life
Rating:
Features:
Product Type:
United of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 85. Age last birthday. Minimum faceamount $25,000. Non-med up to $250,000. Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Indexed Universal Life
Accordia Life and Annuity Company
A- by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. 12-Month non-tobacco defini-tion. Wellness rider available. Life underwriting credit available through table 8 (subject to change). Indexed Universal Life
Rating:
Features:
Product Type:
American General Life Companies
A by A.M. BestIssue ages from 18 to 50. Age nearest birthday. Minimum face amount $100,000. Many optional riders available. Table shave available up to table 2 (subject to change). Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Ameritas Life Insurance Corporation
A by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $50,000. Care4Life rider available. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit).
Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Genworth Life Insurance Company
A by A.M. BestIssue ages from 0 to 80. Age nearest birthday. Minimum face amount $100,000. Occasional cigar use may qualify for non-tobacco rates. Long term care rider available. Indexed Universal Life
Rating:
Features:
Product Type:
John Hancock Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 90. Age nearest birthday. Minimumface amount $50,000. 12-Month non-tobacco definition. Long term care rider available. Quit smoking incentive. Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Lincoln National Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimumface amount $100,000. Non-tobacco rates for non-cigarette users. Change of insured rider available. Table shave available up to table 3 (subject to change). Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
North American Company for
Life and Health Insurance
A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday forGuarantee Builder IUL and age last birthday for Builder IUL and Rapid Builder IUL. Minimum face amount $25,000. Chronic illness rider available. Competitive for use in business planning.
Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Indexed Universal Life
Second-to-Die
Second-to-Die
Accordia Life and Annuity Company
A- by A.M. BestIssue ages from 20 to 90. Age nearest birthday. Minimum face amount $250,000. Return of premium rider available. Life underwriting credit available through table 8 (subject to change). Will accept one “uninsurable”.
Indexed Universal Life
Rating:
Features:
Product Type:
American General Life Companies
A by A.M. BestIssue ages from 20 to 90. Age nearest birthday. Minimum face amount $100,000. Maturity at age 121. Will accept one “uninsurable”.
Universal Life, Lifetime Guarantee, Indexed Universal Life
Rating:
Features:
Product Type:
Ameritas Life Insurance Corporation
A by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $100,000. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit).
Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Assurity Life Insurance Company
A- by A.M. BestIssue ages from 21 to 85. Age last birthday. Minimum face amount $5,000. Single pay, 3-pay, 5-pay and 10-pay available. Non-med up to $250,000. Will accept one “uninsurable”. Simplified Issue Whole Life
Rating:
Features:
Product Type:
Protective Life Insurance Company
A+ by A.M. BestIssue ages from 0 to 75. Age nearest birthday. Minimum face amount $100,000. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Long term care rider available.
Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Prudential Insurance Company
of America
A+ by A.M. BestIssue ages from 0 to 85. Age last birthday. Minimumface amount $100,000. Non-tobacco rates for non-cigarette users. Dial-a-guarantee feature available. Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Transamerica Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimumface amount $25,000. Occasional cigar use may qualify for non-tobacco rates.
Indexed Universal Life
Rating:
Features:
Product Type:
Indexed Universal Life
Second-to-Die
Second-to-Die
John Hancock Life Insurance
Company
A+ by A.M. BestIssue ages from 20 to 90. Age nearest birthday. Minimumface amount $250,000. Quit smoking incentive. Unique last-to-die term. Term period of 5 years.
Term Second-to-Die, Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Lincoln National Life Insurance
Company
A+ by A.M. BestIssue ages from 20 to 85. Age nearest birthday. Minimumface amount $100,000. Table shave available up to table 3 (subject to change). Will accept one “uninsurable”.
Universal Life, Indexed Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
North American Company for
Life and Health Insurance
A+ by A.M. BestIssue ages from 20 to 90. Age nearest birthday. Minimumface amount $200,000. Net zero loans available. Will accept one “uninsurable”.
Indexed Universal Life
Rating:
Features:
Product Type:
Protective Life Insurance Company
A+ by A.M. BestIssue ages from 20 to 85. Age nearest birthday. Minimum face amount $250,000. Will accept one “uninsurable” Unique last-to-die term. Term periods of 10, 20 and 30 years. Term Second-to-Die, Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Prudential Insurance Company
of America
A+ by A.M. BestIssue ages from 18 to 85. Age last birthday. Minimumface amount $250,000. Non-tobacco rates for non-cigarette users. Will accept one “uninsurable”. Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
United of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 85. Age last birthday. Minimumface amount $250,000. 4-Year level term insurance rider available. Will accept one “uninsurable”.
Universal Life, Lifetime Guarantee
Rating:
Features:
Product Type:
Traditional Whole Life
Final Expense
American Memorial Life Insurance
Company
A- by A.M. BestIssue ages from 0 to 85. Age last birthday. Face amountsfrom $3,000 to $50,000. High commission. No face-to-face sale required. Non-med up to $50,000.
Non-Par Whole Life
Rating:
Features:
Product Type:
Americo Financial Life and Annuity
Insurance Company
A by A.M. BestIMMEDIATE DEATH BENEFIT: Issue ages from 50 to 85. Agelast birthday. Minimum face amount $2,000. Non-tobacco rates for non-cigarette users. Non-med up to $30,000. GRADED DEATH BENEFIT: Issue ages from 50 to 75. Age last birthday. Minimum face amount $2,000. Graded benefit for 3 years. Non-med up to $10,000.
Non-Par Whole Life, Graded Benefit Whole Life
Rating:
Features:
Product Type:
Ameritas Life Insurance Corporation
A by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $10,000. Child rider can be converted to a permanent policy. Total disability benefit rider available. Wellness underwriting credit (up to a 2 table credit). Traditional Par Whole Life
Rating:
Features:
Product Type:
Assurity Life Insurance Company
A- by A.M. BestIssue ages from 0 to 85. Age last birthday. Minimum face amount $5,000. Single premium, life-pay, 3-pay, 5-pay and 10-pay available. Second-to-die product available. Graded benefit for 2 years. Non-med up to $250,000. Traditional Par Whole Life, Non-Par Whole Life, Single Premium Whole Life, Graded Benefit Whole Life
Rating:
Features:
Product Type:
Assurity Life Insurance Company
A- by A.M. BestIssue ages from 0 to 85. Age last birthday. Minimum face amount $5,000. Single-pay, life-pay, 3-pay, 5-pay and 10-pay available. Second-to-die product available. Graded benefit for 2 years. Non-med up to $250,000. Traditional Par Whole Life, Non-Par Whole Life, Single Premium Whole Life, Graded Benefit Whole Life
Rating:
Features:
Product Type:
Liberty Life Assurance Company
of Boston
A by A.M. BestTRADITIONAL PAR: Issue ages from 0 to 90. Age last birthday.Minimum face amount $15,000. Life-pay, 20-pay and paid up at 65 available. Non-med up to $250,000. INTEREST SENSITIVE SINGLE PREMIUM: Issue ages from 50 to 85. Age last birthday. Minimum premium $15,000. Jet underwriting. Non-med up to $225,000.
Traditional Par Whole Life, Interest Sensitive Single Premium Whole Life
Rating:
Features:
Product Type:
Traditional Whole Life
Final Expense
Final Expense
Liberty Life Assurance Company
of Boston
A by A.M. BestTRADITIONAL PAR: Issue ages from 0 to 90. Age last birthday.Minimum face amount $15,000. Life-pay, 20-pay and paid up at 65 available. Non-med up to $250,000. INTEREST SENSITIVE SINGLE PREMIUM: Issue ages from 50 to 85. Age last birthday. Minimum premium $15,000. Jet underwriting. Non-med up to $225,000.
Traditional Par Whole Life, Interest Sensitive Single Premium Whole Life
Rating:
Features:
Product Type:
National Western Life Insurance
Company
A by A.M. BestIssue ages from 20 to 75. Age last birthday. Minimumface amount $15,000. Graded benefit for 3 years. No tobacco classification. Non-med up to $150,000. Non-Par Whole Life, Graded Benefit Whole Life
Rating:
Features:
Product Type:
Oxford Life Insurance Company
A- by A.M. BestIssue ages from 50 to 85. Age last birthday. Minimum face amount $5,000. Policies issued within 48 hours on average. Non-med up to $478,000.
Non-Par Whole Life, Single Premium Whole Life
Rating:
Features:
Product Type:
Transamerica Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday forGuaran-teed Whole Life and age last birthday for TransSecure II and Final Expense Solutions. Minimum face amount $1,000. Graded benefit for 2 years. Non-med up to $50,000. Non-Par Whole Life, Interest Sensitive Whole Life, Graded Benefit Whole Life
Rating:
Features:
Product Type:
United of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 0 to 85. Age last birthday. Face amountsfrom $2,000 to $40,000. Specialty children’s product avail-able. Graded benefit for 2 years. Non-med up to $40,000. Non-Par Whole Life, Graded Benefit Whole Life
Rating:
Features:
Product Type:
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St. Thomas, Virgin Islands, U.S.A
All Inclusive Resort
110,000 Points
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St. Thomas, Virgin Islands, U.S.A
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Multi-Year Guarantee Annuities
American General Life Companies
A by A.M. BestIssue ages through 85. Minimum premium $5,000. 10% free withdrawal option available in first year. Guarantee period options of 5, 6, 7, 8, and 10 years.
Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
Americo Financial Life and Annuity
Insurance Company
A by A.M. BestIssue ages through 85. Minimum premium $10,000. 10%free withdrawal option available in first year. Guarantee period option of 5 years.
Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
Athene Annuity and Life Assurance
Company
B++ by A.M. BestIssue ages through 80. Minimum premium $5,000.Guarantee period option of 7 years. 10% penalty withdrawal available in first year.
Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
Genworth Life Insurance Company
A by A.M. BestIssue ages through 85. Minimum premium $25,000. Guarantee period options of 5 and 7 years.
Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
Oxford Life Insurance Company
A- by A.M. BestIssue ages 18-80. Minimum premium $20,000. Guaran-tee period option of 3 to 10 years.
Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
Protective Life Insurance Company
A+ by A.M. BestIssue ages through 85. Minimum premium $10,000. Guarantee period options of 5 to 10 years.
Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
Lincoln National Life Insurance
Company
A+ by A.M. BestIssue ages through 85. Minimum premium $10,000. 10%free withdrawal option available in first year. Long term care benefit available. Guarantee period options of 5 to 10 years. Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
North American Company for
Life and Health Insurance
A+ by A.M. BestIssue ages through 90. Minimum premium $2,000 Q and$10,000 NQ. Guarantee period options of 4 to 10 years. Multi-Year Guarantee Annuities
Rating:
Features:
Product Type:
American Equity Investment Life
Insurance Company
A- by A.M. BestIssue ages through 85. Minimum premium $10,000.Guarantee period options of 5 to 7 years. Multi-Year Guarantee Annuities
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Six Days at Dreams Sugar Bay
St. Thomas, Virgin Islands, U.S.A
All Inclusive Resort
110,000 Points
Six Days at Dreams Sugar Bay
St. Thomas, Virgin Islands, U.S.A
All Inclusive Resort
110,000 Points
Earn points with your
VISIT OUR WEBSITE FOR MORE DETAILS. FOR AGENT USE ONLY.
Slingshot
500,000 Points
Slingshot
Fixed Annuities
American Equity Investment Life
Insurance Company
A- by A.M. BestIssue ages through 80. Minimum premium $2,000 Q and $5,000 NQ. Premium bonus available. High commission products. 10% free withdrawal option available after first year.Flexible Annuities
Rating:
Features:
Product Type:
National Western Life Insurance
Company
A by A.M. BestIssue ages through 85. Minimum premium $2,000 Qand $5,000 NQ. Premium bonus available. Cumulative withdrawal option up to 50% in year 5. Annuitize after 5 years over next 5 years.
Single-Pay and Flexible Annuities
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Protective Life Insurance Company
A+ by A.M. BestIssue ages through 85. Minimum premium $2,000. 10% free withdrawal option available in first year. 100% liquidity for unemployment waiver available. Flexible Annuities
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Fixed Indexed Annuities
American General Life Companies
A by A.M. BestIssue ages through 85. Minimum premium $5,000. 10% free withdrawal option available in first year. Premium bonus available. Annuitize after 5 years over next 5 years. Flexible and Single-Pay Annuities
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Product Type:
Genworth Life Insurance Company
A by A.M. BestIssue ages through 85. Minimum premium $15,000. Short surrender periods. 10% free withdrawal option available in first year. Return of premium option available. Single-Pay Annuities
Rating:
Features:
Product Type:
North American Company for
Life and Health Insurance
A+ by A.M. BestIssue ages through 80. Minimum premium $2,000 Q and $10,000 NQ. Premium bonus available. Option to annuitize after first year with no surrender charge. Flexible AnnuitiesRating:
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Product Type:
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Fixed Annuities
Fixed Indexed Annuities
American Equity Investment Life
Insurance Company
A- by A.M. BestIssue ages through 85. Minimum premium $5,000. Various indices annuities. Minimum guaranteed earning available. High commission products with many surrender options. Premium bonus available.Flexible and Single-Pay Annuities
Rating:
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Product Type:
American General Life Companies
A by A.M. BestIssue ages through 85. Minimum premium $25,000. Minimum guaranteed earning available. Premium bonus available.
Single-Pay Annuities
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Product Type:
Americo Financial Life and Annuity
Insurance Company
A by A.M. BestIssue ages through 85. Minimum premium $25,000.Minimum guaranteed earning available. Premium bonus available.
Flexible and Single-Pay Annuities
Rating:
Features:
Product Type:
Athene Annuity and Life Assurance
Company
B++ by A.M. BestIssue ages through 83. Minimum premium $5,000.Minimum guaranteed earning available. High caps. Premium bonus available.
Flexible and Single-Pay Annuities
Rating:
Features:
Product Type:
Genworth Life Insurance Company
A by A.M. BestIssue ages through 85. Minimum premium $25,000. Minimum guaranteed earning available. Innovative bailout feature. Premium bonus available.
Single-Pay Annuities
Rating:
Features:
Product Type:
Lincoln National Life Insurance
Company
A+ by A.M. BestIssue ages through 85. CA, HI, & FL issue ages 35 to 80. Minimum premium $2,000 Q and $5,000 NQ. Minimum guaranteed earning available. Multi-year guarantee available. Premium bonus available.Flexible and Single-Pay Annuities
Rating:
Features:
Product Type:
National Western Life Insurance
Company
A by A.M. BestIssue ages through 85. Minimum premium $2,000 Q and $5,000 NQ. Minimum guaranteed earning available. Premium bonus available. Annuitize after 5 years over next 5 years.Flexible Annuities
Rating:
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Product Type:
Fixed Indexed Annuities
North American Company for
Life and Health Insurance
A+ by A.M. BestIssue ages through 85. Minimum premium $2,000 Q and $10,000 NQ. Minimum guaranteed earning available. Premium bonus available. 100% liquidity for nursing home confinement waiver available. Return of premium option available.Flexible Annuities
Rating:
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Product Type:
Oxford Life Insurance Company
A- by A.M. BestIssue ages through 80. Minimum premium $10,000. Minimum guaranteed earning available. Premium bonus available.
Single-Pay Annuities
Rating:
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Product Type:
Protective Life Insurance Company
A+ by A.M. BestIssue ages through 85. Minimum premium $10,000. Minimum guaranteed earning available. 10% free withdrawal option available in first year. 100% liquidity for unemployment waiver available.
Flexible Annuities
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American Equity Investment Life
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A- by A.M. BestIssue ages through 90. Minimum premium $10,000. Single and joint immediate available. 5 to 25 period certain with option of life contingency.Immediate Annuities
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A by A.M. BestIssue ages through 90. Minimum premium $10,000. Single and joint immediate available. 5 to 40 period certain with option of life contingency.
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Genworth Life Insurance Company
A by A.M. BestIssue ages through 95. Minimum premium $25,000. Single and joint immediate available. 5 to 50 period certain with option of life contingency.
Immediate Annuities
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National Western Life Insurance
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A by A.M. BestIssue ages through 99. Minimum premium $5,000. Single and joint immediate available. 5 to 20 period certain with option of life contingency.Immediate Annuities
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North American Company for
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Long Term Care
Life/LTC Linked Benefits
Genworth Life Insurance Company
A by A.M. BestIssue ages from 40 to 75. Many optional riders available. Shared benefit available. Wellness program available. Competitive premiums. International coverage available. Tax-Qualified Long Term Care
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Product Type:
Genworth Life Insurance Company
A by A.M. BestUniversal life product that features unique LTC benefits with Issue ages from 18 to 80. Minimum policy $50,000. Return of premium available after year 3. For clients who wish to “self-insure” LTC insurance. Accelerated and extended options available.
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John Hancock Life Insurance
Company
A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 20 to 75. Minimum policy $50,000. For clients who wish to “self-insure” LTC insurance. Extension of benefits rider available.Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay
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Lincoln National Life Insurance
Company
A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 40 to 79. Minimum policy $50,000. For clients who wish to “self-insure” LTC insurance. Extension of benefits rider available. Universal Life with LTC, Single Premium, Limited-PayRating:
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Protective Life Insurance Company
A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 20 to 80. Minimum policy $100,000. Indemnity pay-ment method. For clients who wish to “self-insure” LTC insurance. Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay
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Mutual of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 30 to 79. Many benefits and optional riders available. Shared benefit available. Cash benefit with no elimination period. Customizable plans available. Tax-Qualified Long Term CareRating:
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Critical Illness
Life/LTC Linked Benefits
Disability Income
Prudential Insurance Company
of America
A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages 20-80, minimum policy $100,000, only available at policy issuance. Indemnity payment method with no waiting period. For clients who wish to “self-insurer” LTC insurance. Universal life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-PayRating:
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Long Term Care
Life/LTC Linked Benefits
Critical Illness
Life/LTC Linked Benefits
Disability Income
Ameritas Life Insurance Company
A by A.M. BestIssue ages from 18 to 64. noncancellable to age 65. Non-med available.
Disability Income Insurance
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Product Type:
Assurity Life Insurance Company
A- by A.M. BestIssue ages from 18 to 64. Age last birthday. Face amounts from $5,000 to $500,000. Spouse rider available. Non-med up to $99,999.
Critical Illness Insurance
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Product Type:
Mutual of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 20 to 64. Age last birthday. Face amounts from $10,000 to $250,000. Specialty cancer, heart attack and stroke product available. Non-med up to $99,000.Critical Illness Insurance
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Assurity Life Insurance Company
A- by A.M. BestIssue ages from 18 to 60. noncancellable to age 65. Non-med available.
Disability Income Insurance
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Product Type:
Illinois Mutual Life Insurance
Company
B++ by A.M. BestIssue ages from 18 to 60. Guaranteed renewability to age 67. Premium on structured class basis. 12-Month non-tobacco definition. Return of premium rider available. Disability Income InsuranceRating:
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Mutual of Omaha Life Insurance
Company
A+ by A.M. BestIssue ages from 18 to 61. Guaranteed renewability to age67. Premium on structured class basis. 12-Month non-tobacco definition. Return of premium rider available. Disability Income Insurance
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Transamerica Life Insurance
Company
A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 18 to 80. Minimum policy $25,000. Indemnity pay-ment method. For clients who wish to “self-insure” LTC insurance. Universal Life with LTC, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-PayRating:
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Medicare Supplement
Mutual of Omaha Life Insurance
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Oxford Life Insurance Company
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Medicare Supplement
UNDERWRITING GET TO KNOW WHY SOME CLIENTS “PREFER” US ...© 2014 Prudential Financial, Inc. and its related entities. 0150749-00008-01 Ed. 2/2014 Exp. 08/05/2015
NOT FOR CONSUMER USE.
Some categories of individuals who may qualify for our Preferred Underwriting:
4Most commercial and business pilots for U.S.-based airlines. (May qualify for Preferred Best rates.)
4Clients who plan to travel to most foreign countries for 6 months or less annually (business or pleasure).1 (May qualify for Preferred
Best rates.)
4Scuba divers who dive up to 100 feet
4Individuals with cholesterol/HDL levels up to and including 6.0, even if on cholesterol-lowering medications2
4Males/females 6’0”, ages 18-59, up to 228 pounds, BMI up to 313
4Males/females 6’0”, ages 60 and over, up to 258 pounds, BMI up to 353
Some categories of individuals who may qualify for our advantageous Non-Smoker Plus ratings:
4Cigar/pipe smokers and smokeless tobacco users
4Nicotine patch or Nicorette Gum® users
4Individuals with cholesterol/HDL levels up to and including 7.0, even if on cholesterol-lowering medications4
4Male/Female 6’0”, ages 18–59, up to 242 pounds and BMI up to 33
4Male/Female 6’0”, ages 60 and over, up to 294 pounds and BMI up to 40
4Pilots (excluding Student Pilots) 25 years of age or greater with more than 600 hours in total flight time and between 30 and 300 hours per year
Some categories of individuals who may qualify for our advantageous Non-Smoker Plus ratings:
4Asthma 4Hepatitis C
4Bladder cancer 4Mood disorders
4Breast cancer 4Prostate cancer
4Build 4Rheumatoid arthritis
4Coronary artery disease 4Thyroid cancer
4Diabetes mellitus (adult onset)
4Elevated liver function tests
Get to Know Why Some Clients
“Prefer” Us ...
UNDERWRITING
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS
1 This does not apply to foreign countries Prudential considers to be extremely hazardous. Refer to the Foreign Travel Highlighter (0156069) for additional information.
2Individuals with cholesterol levels up to and including 5.0 may qualify for Preferred Best, even if on cholesterol-lowering medications. 3Individuals with BMI up to 29 for ages 18-59 and BMI up to 31 for ages 60 and over can qualify for Preferred Best.
4A rating may apply for cholesterol readings over 300.
Rates and availability will vary based on the satisfaction of our underwriting criteria; underwriting rules are subject to change at our discretion. This material is designed to provide general information in regard to the subject matter covered. It should be used
with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client’s own advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code.
This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date. Insurance issued by The Prudential Insurance Company of America and its affiliates, Newark, NJ.
Securities and Insurance Products:
Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate.
Tax Facts: The Indispensable Tax Resource for Financial Advisors.
Increase Your Tax Knowledge
Visit
www.fmiAgent.com
and click on
Tool Kit
WITH TAX FACTS ONLINE!
WITH TAX FACTS ONLINE!
NEW FEATURES INCLUDING:
•
Case Studies
-
offer two expert analyses
•
Expert’s Corner
- discussions on the current tax issues
•
What’s New
-
tackles questions providing expert analysis
•
Thumbs-Up/Thumbs-Down
-
latest opinions and analysis
•
Tax News
-
skillfully dissects latest, and most vital, issues on taxes
Tax Facts is an online guide for tax
and financial planning. Get expert
insight and practical guidance on
all of your tax issues!
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