YIG Carriers at a Glance

GERBER

• Ages 50 to 80
• $5,000 to $25,000 face
• No medical exam
• No health questions
• Graded benefit in first 2 years is ROP + 10% interest
• A Trusted Name for More Than 75 Years

AIG

• Ages 50-85
• $5,000 to $25,000
• No medical exam
• No health questions
• Superior e-App system
• Most cases complete in under 15 minutes
• Chronic and Terminal riders included
• In business for 160+ years

KEMPER GUARANTEED ISSUE WHOLE LIFE

• • Ages 40-80
  • face amounts: $2k, $3k, $4k, $5k, $7,500, $10k, $15k, $20k & $25k
  • graded benefit in first 2 years (ROP + 20% interest)
  • no health questions

GREAT WESTERN GUARANTEED ASSURANCE

• Guaranteed issue (no health questions)
• Ages 40-80
• face amounts available from $1,000 to $40,000
• Graded benefit in first 2 years is ROP + 10%
• no cost spousal benefit rider – pays extra $1,000 at death of first spouse (restrictions apply)
• face amounts available from $1,000 to $40,000
• child/grandchild rider available for $1 mo with no health questions on child

GREAT WESTERN ASSURANCE PLUS

• Only 3 health questions for full death benefit
• Ages 40-80
• face amounts available from $1,000 to $40,000
• Full death benefit beginning year 1 pays 120% of the face amount
• no cost Spousal Benefit rider – pays extra $1,000 at death of first spouse (restrictions apply)
• no cost Accelerated Death Benefit rider for terminal illness & chronic illness
• Child/grandchild rider available for $1 mo with no health questions on child

AMERICAN EQUITY ADVANTAGE GOLD

• Fixed Indexed Annuity
• Ages 18-80
• minimum $5,000 premium
• 5% immediate bonus
• 10 yr surrender charges
• no fee income rider & options with fee

AMERICAN EQUITY BONUS GOLD

• Fixed Indexed Annuity
• Ages 18-80
• minimum $5,000 premium
• 10% immediate bonus
• 16 yr surrender charges
• no fee income rider & options with fee

AMERICAN EQUITY FOUNDATION GOLD

• Fixed Indexed Annuity
• Ages 18-80
• minimum $5,000 premium
• 7% bonus vested over 10 years
• 10 yr surrender charges
• 5% penalty-free withdrawals after 1st yr
• no fee income rider & options with fee

AMERICAN EQUITY RETIREMENT GOLD

• Fixed Indexed Annuity
• Ages 18-78
• minimum $5,000 premium
• 8% bonus vested over 14 years
• 10 yr surrender charges
• no fee income rider & options with fee

AMERICAN EQUITY TRADITIONS GOLD

• – Fixed Indexed Annuity
  – Ages 18-80
  – minimum $5,000 premium
  – no bonus
  – higher caps
  – 10 yr surrender charges
  – no fee income rider & options with fee

AMERICAN EQUITY GUARANTEE SERIES

• Ages 18-85
• minimum $10,000 premium
• 5, 6 & 7 yr fixed annuities
• great alternative to CDs
• 5, 6 & 7 yr surrender charges
• no income rider available

AMERICAN EQUITY PREMIER EAGLE 12

• Ages 18-78
• minimum $5,000 premium NQ, $2,000 Q
• fixed annuity (not indexed)
• 8% bonus vested over 14 years
• 10 yr surrender charges
• no fee income rider & options with fee

AMERICAN EQUITY PREMIER EAGLE 10

• Ages 18-80
• minimum $5,000 premium NQ, $2,000 Q
• fixed annuity (not indexed)
• 10% immediate bonus
• 10-15 year surrender charge
• no fee income rider & options with fee

AMERICAN EQUITY SINGLE PREMIUM IMMEDIATE ANNUITY (SPIA)

• Ages 18-90
• minimum $10,000 premium
• immediate income stream
• no access to remaining lump sum deposit

F&G ACCUMULATOR PLUS

• Ages 0-85
• minimum $10,000 premium
• no bonus
• high caps for accumulation
• both 10 & 14 year surrender periods available
• income rider at 6.75% for up to 20 years with fee

F&G INDEX CHOICE 10

• Ages 0-85
• minimum $10,000 premium
• 3% immediate bonus
• 10 year surrender charges
• Income rider at 6.5% for up to 20 years with fee

F&G INDEX SAFETY 7

• only available in NY
• Ages 0-85
• minimum $10,000 premium
• no bonus
• 7 year surrender charges
• 10% penalty free withdrawals after 1st year
• no income rider

F&G PROSPERITY ELITE

• Ages 0-85
• minimum $10,000 premium
• various bonus
• 7, 10 or 14 yr surrender charges
• high caps
• Income rider at 6.5% for up to 20 years or 18% bonus, both with fee
• DB enhancement

F&G SAFE INCOME PLUS

• Ages 0-80
• minimum $10,000 premium
• 10 year surrender charge
• income rider at 6.5% for up to 10 years, with 0.95% fee
• impairment rider (doubles income)

F&G RETIREMENT PRO

• Ages 0-80
• Fixed annuity (not indexed)
• minimum $10,000 premium
• 5% or 7% vested bonus (depending on state)
• 10 or 12 years surrender charges (depending on state)
• No charge lifetime income rider
• Benefit base for INCOME rider can be based on indexed interest crediting

F&G RETIREMENT PRO

• Ages 0-80
• Fixed annuity (not indexed)
• minimum $10,000 premium
• 5% or 7% vested bonus (depending on state)
• 10 or 12 years surrender charges (depending on state)
• No charge lifetime income rider
• Benefit base for INCOME rider can be based on indexed interest crediting

F&G GUARANTEE 3, 5 & 7

• Ages 0-90
• minimum $10,000
• 3, 5, & 7 yr surrender charges
• great alternative to CDs
• 3, 5, & 7 yr fixed annuities
• No income rider

PHOENIX PERSONAL INCOME ANNUITY

• Ages 0-85
• minimum $15,000 premium
• no bonus
• 10 yr surrender charge
• good only for clients wanting income
• income rider with up to 45% bonus or 14% simple interest accumulating for 10 yrs
• can get income 1st yr, if age 50+

PHOENIX PERSONAL PROTECTION CHOICE

• Ages 0-85
• minimum $15,000 premium
• 10 year surrender charges
• enhanced death benefit & chronic care riders available income rider

PHOENIX PERSONAL RETIREMENT ANNUITY

• Ages 0-80
• minimum $15,000 premium
• bonus of 8-15% vested for 10-13 yrs depending on state
• 10-12 years surrender charges
• income rider at 8% for up to 24 years with fee

F&G LIFE CHOICE

• Ages 0-75
• $150,000+ face
• fully underwritten
• death benefit protection with some cash accumulation

F&G LIFE ELITE

• Ages 0-75
• $50,000+ face
• Ages 0-45 up to $149,999 face does NOT require a medical exam
• Non-med policies have lower caps
• fully underwritten
• tax-free retirement income
• good for 5 to 7-pay

NLG/LSW

MUTUAL OF OMAHA ACCUMUL PLUS

• Ages 0-85
• $25,000 + face
• cash accumulation for middle to upper income

MUTUAL OF OMAHA GUARANTEE UNIVERSAL LIFE

• Ages 18-85
• $50,000 + face
• guaranteed coverage from a minimum of up to age 80 to a maximum of up to age 120
• cash accumulation

FORESTERS SMARTUL

• Issue ages 0-85
• $100,000 + face
• living benefits for terminal illness, critical illness & chronic illness at no additional premium
• cash accumulation product UL with competitive interest rate
• member benefits good for dependents
• can be used for tax-free retirement income

PHOENIX SIMPLICITY

• Ages 18-70
• $50,000 – $300,000 face
• Only non-med IUL for tax-free retirement
• Risks to Table 4 are acceptable
• tax-free retirement income

CFG SAFESHIELD

• 15, 20 and 30-Year level term
• Ages 18-65
• $25,000-$250,000 face
• Best Disability income rider
• No mortgage/life event requirement
• Return of premium available at 50% and 100% on 20 and 30-year plans
• ROP at 50% is available on 20-Year up to age 60
• No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death
• Convertible
• No E&O insurance required
• E-app available
• 3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness)

MUTUAL OF OMAHA

• 10, 15, 20 and 30-Year level term
• Ages 18-65
• $50,000 to $300,000 face
• No mortgage or life event requirement
• No charge riders face amounts of $250,001 to $300,000 require a phone interview
• Return of premium available on 20 and 30-year plans
• No cost Unemployment Waiver of Premium Rider, Residential Damage Waiver of Premium, Terminal Illness & Common Carrier Accidental Death
• No E&O insurance required
• E-app available

CFG SAFESHIELD

• 15, 20 and 30-Year level term
• Ages 18-65
• $25,000-$250,000 face
• Best Disability income rider
• No mortgage/life event requirement
• Return of premium available at 50% and 100% on 20 and 30-year plans
• ROP at 50% is available on 20-Year up to age 60
• No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death
• Convertible
• No E&O insurance required
• E-app available
• 3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness)

FORESTER STRONG FOUNDATION

• 15, 20, 25 and 30-Year level term
• Ages 18-70
• $20,000 – $250,000 face
• No mortgage/life event requirement
• Member benefits good for dependents
•  Non-smoker rates for cigar, pipe, chewing tobacco, electronic cigarettes, patch, gum users (all except cigarettes)
• No Return of premium available
• Convertible
• No E&O insurance required
• E-app available
• 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

PHOENIX SAFE HARBOR TERM LIFE

• 10, 15, 20 & 30-Year level term
• Ages 18-80
• $25,000 to $400,000 face
• 4 Living Benefit riders available at no additional premium (terminal illness, critical illness, chronic illness & unemployment waiver of premium)
• No mortgage or life event requirement
• Point of sale underwriting available with telephone interview
• Convertible

MUTUAL OF OMAHA TERM LIFE ANSWERS

• 10, 15, 20 and 30-Year level term
• Ages 18-80
• $100,000+ face
• very competitive term for higher face amounts
• great for ages 40-60
• Convertible

FORESTERS STRONG FOUNDATION

• 10, 15, 20, 25 and 30-Year level term
• Ages 18-80
• $100,000+ face
• Convertible
• Member benefits good for dependents
• 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

PHOENIX SAFE HARBOR TERM LIFE

• 10, 15, 20 & 30-Year level term
• Ages 18-80
• $50,000 to $1,000,000 face
• 4 Living Benefit riders available at no additional premium (terminal illness, critical illness, chronic illness & unemployment waiver of premium)
• Convertible

TRANSAMERICA TRENDSETTER LB TERM

• 10, 15, 20 & 30-Year level term
• Ages 18-80
• $25,000 + face
• No medical exam for $25,000 – $249,999 face up to age 60, lower ages on 30-year (APS, paramed, blood/urine, etc may be requested)
• No return of premium available
• Convertible
• 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)
• Advanced premium options
• TOP & TOP Plus program – no medical exam required on qualifying applicants for up to $999,999

TRANSAMERICA TRENDSETTER SUPER

• 10, 15, 20, 25 & 30-year level term & an Annual Renewable Term
• Ages 18 – 80 (age nearest)
• $25,000 + face
• Convertible
• Return of premium available
• TOP & TOP Plus program – no medical exam required on qualifying applicants for up to $999,999

ASSURITY LIFESCAPE

• Ages 0-80 (age last birthday)
• Minimum face of $10,000 for ages 0-54
• Minimum face of $5,000 for ages 55 and up
• Permanent security, solid guarantees, lifetime protection
• Dividends can be used to increase cash value or help purchase additional coverage
• Includes a valuable Accelerated Benefit Rider
• Great way to increase money set aside going to your heirs
• Simplicity for a single, lump-sum premium

FORESTERS YOUR LEGACY SPWL

• Ages 0 – 85
• minimum single premium $1,500 to $10,000, depending on age
• death benefit can increase with dividends
• POS underwriting
• excellent way to increase money set aside to pass on to heirs tax-free
• no medical exam
• 3 living benefit riders at no additional premium (terminal illness, critical illness & chronic illness)
• Member benefits

FORESTERS ADVANTAGE PLUS WHOLE LIFE

• Ages 0-75
• $25,000 – $250,000 face
• 20-Pay option
• 10 and 20-Year Term riders available
• member benefits good for dependents
• 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

MUTUAL OF OMAHA CHILDREN’S WHOLE LIFE

• Ages 14 days to 17 years
• $5,000 – $30,000 face
• Only 2 health questions
• Guaranteed insurability provision
• Nontobacco rates even for cigarette smokers
• Grandparents can purchase without parents signature (except in FL & PA)
• One app for up to eight children

FORESTERS ADVANTAGE PLUS WHOLE LIFE

• Ages 0-75
• $25,000 – $250,000 face
• simplified issue
• Guaranteed Insurability rider available
• E-app available
• 20 pay option
• member benefits
• 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

TRANSAMERICA SOLUTIONS WHOLE LIFE

• Ages 0-85
• $1,000 to $50,000 face
• Liberal underwriting
• no phone interview
• 10-Pay available for full benefit plan
• No E&O insurance required

ASSURITY ACCI-FLEX ACCIDENTAL DEATH BENEFIT INSURANCE

• Ages 18-60 (age last birthday)
• $50,000 to $350,000
• ROP and WOP available
• Renewable to age 75
• Need a health insurance license to sell
• E-app available with Same-day guarantee
• Paper app will be turned around in two days

MUTUAL OF OMAHA GUARANTEE ADVANTAGE

• Ages 18-70
• $50,000 to $500,000 face
• guarantee issue accidental death
• no health questions
• spouse & children coverage available
• ROP available
• coverage to age 80
• non-cancel able
• Need a health insurance license to sell
• Common Carrier and Auto/Pedestrian Benefits
• E-app available

FORESTERS PREPARED

• Ages 18-60
• $50,000 to $300,000 face
• simplified issue accidental death
• 3 questions to qualify
• ROP & DI riders available
• coverage to age 75
• non-cancellable
• Need a health insurance license to sell (except in FL & IN)

FORESTERS ADVANTAGE PLUS WHOLE LIFE

• Ages 0-75
• $25,000 – $250,000 face
• 20-Pay option
• 10 and 20-Year Term riders available
• member benefits good for dependents
• 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

MUTUAL OF OMAHA GUARANTEE UNIVERSAL LIFE EXPRESS

• Ages 18-65
• $50,000 – $300,000 face
• Only simple issue guarantee UL in market
• Term alternative for older ages
• not a cash accumulation product
• guaranteed insurability at no cost
• additional no cost riders
• Can guarantee coverage from a minimum of 20 years to a maximum of up to age 120

FORESTERS SMARTUL

• Ages 0-75
• $25,000 – $250,000 face
• cash accumulation product UL with competitive interest rate
• member benefits good for dependents
• Can be used for tax-free retirement income
• E-app available