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UNDERWRITING GUIDE 

FAMILY CHOICE

Issue Ages: 

0-49​

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Face Amount: 

Minimum: $10,000       

Maximum: 

Ages 0 to 49: $35,000

Ages 18 to 49: $20,000

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Term:

Whole Life Insurance

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Rate Classes:

Tobacco/Nontobacco

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DEATH BENEFIT:

Family Choice 'Immediate Death Benefit':

  • Simplified issue Whole Life policy with level death benefit of 100% of face amount paid immediately.

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ROP  RETURN OF PREMIUM BENEFIT: 

  • Simplified issue Whole Life policy which pays return of premium plus 10% interest if death occurs during the 1st 3 years. 100% paid after graded period. 100% paid for accidental death, all years.

  

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NO COST BENEFITS INCLUDED: 

  • Terminal Illness Accelerated Death Benefit Rider

  • Accelerated Benefits Rider-Confined Care

  • ​

OPTIONAL RIDERS: (SEE AGENT GUIDE AND BROCHURE FOR DETAILS)

  • Level Term Insurance Rider (Available on spouse only) All plans

  • Waiver of Premium Disability Agreement (WP) Not Available on ROP Plan

  • Children's Insurance Agreement (CIA) Not Available on ROP Plan

  • Accidental Death Benefit Rider (ADB) Not Available on ROP Plan

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Underwriting

Sales

Family Choice

AMAM - HOME PROTECTOR

Issue Ages:  ​

​

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Face Amount: 

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Rate Classes:

Tobacco/Nontobacco, Unisex premiums

   

App Questions:

 "DOES CLIENT HAVE PROOF OF MORTGAGE?" THE 

CLIENT MUST ANSWER "YES" AND HAVE PROOF OF MORTGAGE.

 

If applicant answers ‘YES’ to any health question, such as high blood pressure, cholesterol, or diabetes get full details. Ask the following information: age at onset, name all medications, applicant’s last reading and how often the problem is checked, name of doctor treating condition, date last seen, etc. THE MORE COMPLETE INFORMATION you can provide on the application significantly REDUCES the need to order medical records or an interview …and speeds up issue time!

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NO COST BENEFITS: 

  • Terminal Illness Accelerated Death Benefit Rider

  • Accelerated Benefits Rider-Confined Care

  • CHRONIC ILLNESS ACCELERATED BENEFIT RIDER

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OPTIONAL RIDERS: (SEE AGENT GUIDE AND BROCHURE FOR DETAILS)

  • TOTAL DISABILITY BENEFIT RIDER (DISABILITY INCOME RIDER)

  • ACCIDENT ONLY TOTAL DISABILITY BENEFIT RIDER

  • WAIVER OF PREMIUM DISABILITY AGREEMENT 

  • ACCELERATED LIVING DEATH BENEFIT RIDER

  • ACCIDENTAL DEATH BENEFIT AGREEMENT

  • WAIVER OF PREMIUM FOR UNEMPLOYMENT RIDER

  • SPOUSE LEVEL TERM INSURANCE RIDER

  • CHILDREN’S INSURANCE AGREEMENT

  • TERMINAL ILLNESS ACCELERATED DEATH BENEFIT RIDER

  • ACCELERATED BENEFITS RIDER-CONFINED CARE

  • CHRONIC ILLNESS ACCELERATED DEATH BENEFIT RIDER

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Home Protector

ETHOS - Multiple Products

Coverage age:  ​

20-65 

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Face Amount: 

​

​

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Term:  Whole and Term options

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  • Clients may apply by themselves using a link that the agent will send. The same link may be used for marketing. The link can be found on the agent's Ethos portal.

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Ethos

Foresters - Strong Foundation / Your Term

Issue Ages:  ​

​

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Face Amount: 

​

​

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Rate Classes:

   

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Convertible:

As a contractual right, the owner can convert the base face amount to a new permanent life insurance certificate during the conversion period without having to provide evidence of insurability.

Partial conversions are allowed. Riders cannot be converted. 

The new certificate, including premiums, will be based on the insured’s age at the time of issue.

 

 

NO COST BENEFITS: (Details on Quick Ref Sheet)

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  • Charity Benefit Provision

  • Accelerated Death Benefit

  • Common Carrier Accidental Death Benefit Rider​

  • Family Health Benefit Rider​

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OPTIONAL RIDERS: (Additional Cost)

  • Waiver of Premium Rider

  • Accidental Death Rider

  • Children’s Term Rider

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Strong Foundation

Foresters - Plan Right

Issue Ages:  ​

​

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Face Amount: 

​

​

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Rate Classes:

Tobacco/Nontobacco   

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RIDERS: 

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Foresters - Advantage (Whole Life)

Issue Ages/Face amount:  ​

​

​

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Rate Classes:

 

 

   

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NO COST BENEFITS: (Details on Quick Ref Sheet)

  • Charity Benefit Provision

  • Accelerated Death Benefit

  • Common Carrier Accidental Death Benefit Rider​

  • Family Health Benefit Rider

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OPTIONAL RIDERS: (SEE AGENT GUIDE AND BROCHURE FOR DETAILS)

  • Paid-up Additions (PUA) Rider (underwritten to table F)

  • 10-Year Term Rider

  • 20-Year Term Rider

  • Accidental Death Rider

  • Guaranteed Insurability Rider

  • Waiver of Premium Rider

  • Children’s Term Rider

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Great Western

Issue Ages:  ​

40-80

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Face Amount: 

$1,000 - $40,000

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Guaranteed Assurance coverage:

Anyone qualifies, regardless of health.

The applicant is not required to answer any

of the health questions   

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FEATURES:

  • Accidental Death: Pays out the full face amount if the insured dies of accidental causes during the first two years

  • Accelerated death benefit rider - Details on page 5-6 of Agent guide

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OPTIONAL RIDER:

  • Child/Grandchild rider: Optional coverage that the
    applicant can purchase at the time of application for
    only $1 per month. This rider will pay $2,500 on the
    death of a dependent child or grandchild.

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PlanRight
Advantage Plus
Great Western

FlexLife - IUL

Issue Ages:  ​

​

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Face Amount: 

​

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Rate Classes:

​

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OPTIONAL RIDERS: (FREE BUT OPTIONAL SO IT MUST BE CLICKED ON APPLICATION)

  • Accelerated Benefits Riders (ABR'S) - Terminal Illness, Chronic Illness (See ABR button for details)

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TERM LSW

Issue Ages:  ​

​

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Face Amount: 

​

​

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Rate Classes:

​

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OPTIONAL RIDERS: (FREE BUT OPTIONAL SO IT MUST BE CLICKED ON APPLICATION)

  • Accelerated Benefits Riders (ABR'S) - Terminal Illness, Chronic Illness, Critical Illness, Critical Injury

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​OPTIONAL BENEFITS: (OPTIONAL AND NOT FREE)

  • Waiver of Premium Rider

  • Children's Term Rider

FlexLife
Term lsw

Aflac

Issue Ages:  ​

​

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Face Amount: 

​

​

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Rate Classes:

Level, Modified

   

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OPTIONAL RIDERS:

(SEE  BROCHURE FOR DETAILS) (LEVEL PLAN ONLY)

  • Accelerated Death Benefits Rider

  • Accidental Death Benefit Rider

  • Children’s Term Insurance Rider

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Underwriting

Sales

aflac
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