Protector Final Expense
Protector Simplified Issue
Issue Ages: 40-85 (Age Last Birthday)
Premium Plans:
- Level-Pay for Life
- Single Premium
Issue Limits:
Minimum Face Amount Purchased by Single Premium:
- Ages 40-80: The lesser of a maximum premium of $100,000 or a maximum face of $250,000
- Ages 81-85: $25,000 — maximum premium
Level-Pay – Maximum Face Amounts:
- Ages 40-80: $50,000
- Ages 81-85: $10,000
Minimum: $3,000 for all ages and premium plans
Riders Available: Accelerated Death Benefit Rider
Special Features:
- No medical exams are required, just a Personal History Interview conducted over the phone.
- Discounted rates are available for Non-Tobacco Users. The proposed Insured is considered a Non-Tobacco User if they have not smoked any cigarettes in the last 12 months.
Protector Graded Death Benefit
Issue Ages: 40-85 (Age Last Birthday)
Premium Plan:
- Level-Pay for Life
Face Amounts:
- Ages 40-80: $3,000 – $25,000
- Ages 81-85: $3,000 – $10,000
Special Features:
• This is a companion product to Protector Simplified Issue Whole Life product. It is designed to provide coverage to prospective insureds that do not qualify for Simplified Issue because of their health. The graded death benefit will be a return of premium accumulated at a 10% interest rate for the first three years, (but not to exceed $1,000 for every $1,000 of Face Amount) unless death is by accidental means. If death is by accidental means in the first three policy years, 100% of the death benefit will be paid.
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 04/24/2024 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Producer Guide | 12/13/2023 | LL-2142 | Click Here |
Producer Use Only | Producer Flyer | 12/13/2023 | LL-2674 | Click Here |
Consumer Use | Simplified Issue Consumer Brochure | 12/13/2023 | LL-2283 | Click Here |
Consumer Use | Graded Death Benefit Consumer Brochure | 12/13/2023 | LL-2284 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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