Americo:

Term 125  - We only write 125 and 150. We never write 100!!
125 = 100% Death Benefit + 25% Accidental Death + 25% Common Carrier
example: $200,000 Death Benefit, $50,000 Accidental Death, $50,000 Common Carrier
*All HMS products with Americo have a 100% Terminal Illness rider. Where if the client is diagnosed and terminally ill and has only 12 months to live with proof of a doctor’s note, then Americo will pay an advance while they are alive to use for treatment.
**Your State Might Have Critical and Chronic Illness Rider

CBO (Cash Back Option) - Term product that offers the same value as the Term125 policy. The client will receive an extra 50% of the face value for accidental death, and 2x the face value if death was caused by a common carrier. In addition, the client will receive 100% of the paid Premiums back (50% if you choose CBO50) if THEY DO NOT DIE and survive the term.

Eagle Premier (E-App ONLY)
Death Benefit ranges from 2,000 to 30,000. They only give Terminal Illness up to 50% of Death Benefit, not 100% like HMS. But they have 100% Accidental.
Example: $5,000 death benefit. Terminal Illness of $2,500. If client dies in an accident, $10,000.

Aetna / CVS

Aetna Accendo - Super-Preferred, Preferred, Standard, & Modified Plans Available. There are no height and weight charts required; we no longer have to worry about clients that are under age or overweight.  Also, COPD is standard level- sold for just a little bit more than the preferred rate we can now get our client with COPD standard rates for day one coverage

The level plan comes included with an accelerated death benefit Rider. Make sure you check that off on the application the optional accidental death benefit rider- it will cover the clients’ ages 40 - 70 if they die in an accident, it will pay double the death benefit.

• Issue Ages = 40-89

• Face Amounts = $25,000 to $50,000* (max issue amount depends on client’s age)

Mutual of Omaha:

Living Promise - This is their final expense product. Has an instant decision and an e-app. But can be written on paper as well. Straight death benefit, accidental and other riders have to be added on.

Term Life Express - This is their term product without an exam. TLE also has a return of premium rider (cash-back option, under 55) if added. Is also a paper and e-app, but does not have instant decision capability.

Guaranteed Advantage (Accidental Death) - For clients 70 and under. This is an Accidental death policy that only pays out during an accident. Coverage ends at age 80. For younger clients, they also offer an ROP of 75% of premiums paid if the client services past policy maturation date of 80.

American Amicable:

Senior Choice - This is their final expense product. Very competitive and great features. They have 3 different rating options for clients.
1) Immediate - also known as a level death benefit, means the client is covered for the full death benefit on day one.
2) Graded - AmAm's Graded is different than most companies Graded. They do a 30%/70%/100%. Meaning in Year 1, they will give you 30% of the death benefit if client passes away. This is usually higher than most company’s 110% death benefit during the first two years. If the client passes away in year 2, 70% of the face amount, year 3 is full death benefit.
3) Return of Premium - This is what most people know as "graded". If client dies within first 2/3 years (Depending on age range, it is either a 2 or 3-year wait), then the beneficiary will receive 110% of premiums back to them when a client passes. After year 3, it is a full death benefit.

AIG (American General):

Guaranteed Issue Whole Life (GIWL) - This product is our safety net. It takes clients between the ages of 50-85, the face amount of $5,000 to $25,000. No questions asked insurance, they take anyone between the ages of 50-85 as a graded death benefit of 2 years. If the client dies during 2-year time frame, the beneficiary will receive 110% of the premium. After 2 years, the full death benefit. Rates are amazing for GIWL, competitive with some LEVEL death benefits.