Final Expense Underwriting
Your client is currently receiving treatment for cancer. What carrier can they qualify for?
What is AIG
Name the Mutual of Omaha Final Expense Product line
What is Living Promise?
Name one carrier & product that offers a 30-year ROP?
Mutual of Omaha Term Life Express 30 yr ROP
Name the living benefit percentages for Americo, Mutual of Omaha & Forester's
Americo 100%
MoO 80%
Forester's 95%
Name the carrier & product that will allow up to 6 applicants
Forester's Bright Future
What is Aetna?
Name a carrier that will accept Direct Express as payment
What is Prosperit OR Transamerica?
Name the term lengths available for CBO100
What is 15,20,25,30
Your client was diagnosed with diabetes at the age of 46. What carrier will not accept your client?
Mutual of Omaha
The carrier that is best for someone who uses a vape or chews tobacco?
What is Forester's?
Your client had a stroke 01/2022. What carrier will allow them to qualify for a level death benefit?
Americo Eagle premier
*pending other comorbidities*
Name the carrier & product that has the Quit Smoking Advantage
Americo Eagle Premier
Name the 3 living benefits and the percentage of face value that can be accessed
What is critical, chronic & terminal illness
100%
Your client's birthday is 05/07/1993. He was diagnosed with high blood pressure 2 years ago. Name the carrier that will automatically decline him.
What is Americo?
Name 3 of the Royal Neighbors Member Benefits
Community grants, scholarship, orphan benefit, orphan scholarship, diabetes discounts, Will, Member discount programs
Your client has diabetes. Your client has a touch of neuropathy. What is the best carrier for your client and why?
What is Transamerica or Prosperity?
Name the carrier & product that you MUST complete a PHI with before submitting the application
Forester's - Plan Right
Name one carrier & product that allows multiple options at the end of their term.
What is Mutual of Omaha Term Life Express 30 yr ROP?
Cash Value, Reduced Paid Up, Half of Each
Name the 5 living benefit riders that AIG offers at no additional cost.
Terminal Illness
Chronic Illness
Critical Illness
Cognitive Impairment
Critical Injury
What is the age range that is most common for final expense applicants.
Ages 50-75
Gerber’s Guaranteed Issue Whole Life has this type of underwriting.
They have no health questions / guaranteed issue
What is AIG’s popular final expense product called?.
Guaranteed Issue Whole Life
What is American Amicable's ROP policy?
Returns premium + 10% interest for 3 years if under 65
Return of premium for 2 years if 65 and over then 100% thereafter.
Accidental death is covered 100% for all years.
What are the three most common reason for an agent to offer a term life policy?
Mortgage protection 15 to 30-year mortgage
Income Replacement
Clients Planning to Self-Insure Later * High income earners
ALL OF US
Managers, Branch Leaders and the agent themselves. We need to transfer our skills to ensure of their success!!