Most Common Medications
Humalog
Diabetes
Waiver of premium
After 6 months of continuous total disability, policy and rider premiums are waived until recovery. Premiums paid by the Insured during the 6-month period are refunded. Coverage for waiver of premium ceases at age 60, but premiums due after age 60 will continue to be waived if the actual waiving of premiums started before age 60.
Parkinson Disease
Trial
95k net alp by 12/31/2023
Must also have 80% net to gross (from AP&P report) or a 75.0% retention rate to be eligible for recognition
Modification Approved Policy
ailmods@ailife.com
Duloxetine
Depression
Child Rider
This term rider covers the Insured’s children, stepchildren, and legally adopted children age 18 or under named in the application. Children born of the Insured’s marriage are covered at 15 days of age. Children legally adopted before age 18 will be covered on the date of adoption. Coverage on a child expires at age 21, or if earlier, age 65 of the Insured. The minimum death benefit per child is $1000 and the maximum is $10,000. Conversion is available to expiry on each child for the amount of the death benefit; however, on the date of expiration the convertible amount is 5 times the death benefit.
High Blood Pressure no followup in 6 months
standard
How to qualify for founders club?
Produce $13,000 of Net ALP for 4 consecutive months.
With a 80% four month retention rate.
8 full months tenure as active agent.
Change Beneficiary for client
pos@ailife.com and pi@ailife.com
Lorazepam
depression or anxiety
Accidental Death Benefit
The specified death benefit is payable upon death directly resulting only from injuries caused by an accident. Coverage terminates at age 70, or the end of the premium period if earlier.
decline
How to qualify for Presidents Club?
Produce $200,000 of Net ALP in the calendar year.
With an 81% four-month retention rate as of December 31, 2023 AP&P report.
Eight full months tenure as an active Producer
Rated Policy
RT99@ailife.com
Lamictal
mood disorder
GIO - Guaranteed Insurability Rider
This rider has no death benefit itself but guarantees an Insured the right to buy additional whole life insurance policies on future option dates without new evidence of insurability. Those dates occur at ages 25, 28, 31, 34, 37, and 40, but option dates can be advanced at first marriage and birth or adoption of children. This rider can only be attached to a permanent life policy. The maximum rider is $25,000.
trialed
How to qualify for the million dollar club?
Produce $1 million of Net ALP from 1999 forward.
Withdrawal Policy being fixed
eappReo@ailife.com
Atorvastatin
High Cholestorol
TIR Terminal Illness Rider
This rider pays 1/2 of the face amount (less 1/2 of any loan) on the Insured when his/her physician certifies that the Insured is expected to live 12 months or less
T6 and Diabetic
decline
How to qualify for Gold Status Pinnacle Recruiting?
10 Personal Recruits that start and write min 1500 net ALP
Lapsed Policy being fixed
AILreinstatement@ailife.com