Did You Know?

• That First-to-Die Whole Life is back on the market offering a significant discount over the cost of two individual Whole Life policies?

• That healthy clients up to age 60 can get $1 Million of life insurance at Preferred rates or better with no exam, labs, ekg or medical records?

• That a family history of heart disease death of a parent prior to age 60 does not revent an applicant from getting a Preferred rating for life insurance?

• That there is a life company that offers a Return of Premium Option to Non-Smokers that can be up to 100% of the face amount and they will notify the policyholder prior to the 90 day window opening? Other companies cap the ROP benefit as a percentage of the benefit.

• That the average person who buys life insurance purchases 7 policies in a lifetime from as many as 6 different advisors?

• That there are UL policies that offer a Guaranteed Refund Option at three different times in which the owner has the option to surrender the policy and receive either half or all of their premiums back?

• That there is a life carrier that doesn’t underwrite their Child Term Insurance Rider making it possible for families with children with some health issues to get life insurance?

• That you can spread out the death benefit paid to beneficiaries over a period of time to reduce the cost of a life insurance policy by using an income protection option?