CHEAT SHEETS
*Remember to check height and weight
Age 18-40
30yr TERM (With Money Back)
Age 40-60
20yr TERM (No Money Back)
Age 60 to 80
WHOLE LIFE (Lasts Whole Life)
Age 18 to 70
ACCIDENTAL (If Can't Qualify)
On TERM Cheat Sheet:
If it says Decline then offer Accidental.
If is says Not Asked write Term.
On WHOLE Cheat Sheet:
If it says Guaranteed, ROP, Modified or Graded, offer Accidental.
If it says Preferred, Standard, Not Asked, or Immediate write Whole Life.
CARRIERS
● Americo: 800-231-0801
● Mutual of Omaha: 800-867-6873
● TransAmerica: 877-234-4848
● AIG: 877-399-7747
● Global Atlantic: 855-887-4487
● Athene: 888‑266‑8489
● CFG: 800-423-9765
● Foresters: 800-828-1540
● John Hancock: 877-606-7779
● American Amicable: 800-736-7311
● Aetna: 866-272-6630
EXPLAINED ratings:
Guaranteed, ROP, Graded or Modified
On the Whole Cheat Sheet, if it says Guaranteed, ROP, Graded or Modified, all of these terms essentially mean the same thing. Different carriers, for some reason, have different terms they use for rating classes, but they all mean the same thing. It means. 2 year waiting period. If the client dies of natural causes in the first two years, the death benefit will NOT pay out, the premiums will be returned to the beneficiary, plus 10% interest.
Guaranteed, ROP, Graded or Modified rated policies pay about 30%-50% less commission as well. And cost about 40% more that a Preferred, Standard or Immediate Rating Class.
(DESKTOP ONLY) QUOTE TOOLS
UNDERWRITING GUIDES
For an easy find of ANY agent guide use google search. Search (Company Name, Product, Agent Guide) Exampe: "Americo Eagle Agent Guide"
AMERICAN AMICABLE
MUTUAL OF OMAHA
