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Corporate and Other Information: |
| Wealth Transfer |
| Point of Sale Underwriting | If you like Annuities |
Generation Legacy:(SPIA / Life Wealth Transfer)
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Secure Solutions:(Single Premium Whole Life) |
| Ideal Single Premium Source Existing Annuities and Qualified Plans SPOUSE #1 NQ/Q ACCOUNT CAN NOW FUND LIFE INSURANCE ON SPOUSE #2!! |
| Issues Ages – 60 – 80 |
| Underwriting Classes Nontobacco and Tobacco Standard – Table 4 |
| Point of Sale Underwriting YES – Over 90% POS Decisions |
| Minimum Premium – $5000 |
| Partial Withdrawal Options From available cash value after WL policy is paid up (policy year 7 or 10) |
| Loans – From available CV at Maximum Rate of 8% |
| Accelerated Death Benefit (Included at issue in approved states) • Terminal Illness – 75% • Nursing Home – 50% • Extended Care / Home Health Care / Adult Day Care – 50% $100 Admin Charge and 8% interest on ADBR lien deducted from face amount of whole life policy |
| Maximum Face Amount SPIA single premium that purchases up to $450,000 for whole life policy |
| Death Benefits Face amount of whole policy and remaining payments from SPIA |
| Ideal Single Premium Source After Tax Cash Vehicles (CD, Money Market, 1035 Exchanges) |
| Issues Ages – 50 – 85 |
| Underwriting Classes Nontobacco and Tobacco • Level 1: Standard – Table 4 • Level 2: Table 5 – 8 |
| Point of Sale Underwriting YES – Over 90% POS Decisions |
| Minimum Premium – $5000 |
| Partial Withdrawal Options • Year 2 – 10% • Year 3 – 20% • Year 4 – 30% • Year 5 – 40% • Year 6+ – 100% of available CV |
| Loans – From available cash value at a maximum rate of 8% |
| Accelerated Death Benefit (Included at issue in approved states) • Terminal Illness – 95% • Nursing Home – 90% • Extended Care / Home Health Care / Adult Day Care – 80% • $250 Admin Charge • Partial Acceleration available |
| Maximum Face Amount Maximum Net Amount at Risk: Level 1 (Standard – Table 4) 50 – 80 – $250,000 81 – 85 – $150,000 Level 2 (Table 5 – 8) 50 – 80 – $200,000 81 – 85 – $130,000 |
| Death Benefits Face amount of SPWL |
For Agent Use Only. All Products Not Approved In All States 060223