term life express - tlephotos.naaleads.com/email_pics/ppt3.pdfsales support: 1 (800) 693-6083 •...
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Term Life Express - TLE -
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TLE Portfolio
TLE - 15/15 TLE - 20/5 TLE - 20/20 TLE - 20/20 ROP TLE - 30/5 TLE - 30/30 TLE - 30/30 ROP
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Simplified Application
• ‘Knock out’ application - Allows the producer to know if the prospect
qualifies
• Only ‘10’ health underwriting questions
• Issue in under 3 days on clean apps.
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Simplified Underwriting
Risk Classes: Standard or Standard Non-Tobacco Simplified Underwriting up to $400,000!
$50,000 - $250,000 • Build Chart (very liberal) • M.I.B report (Medical Information Bureau) • Pharmaceutical Report • Random phone interview Ages 61 - 65 require a mandatory phone interview.
$250,001 - $400,000 • Same as above, plus: • Mandatory phone interview • Oral swab test Ages 61 - 65 require a mandatory APS & phone interview.
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Underwriting (Questions 1 – 2)
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Underwriting (Questions 3 – 7)
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Underwriting (Questions 8 – 10)
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Oral Swab Test
• Only used for TLE
• Needed for face amounts: $250,001 - $400,000
• Order kits from: 1 (800) 693-6083
• Oral swab checks for: Tobacco, Cocaine, HIV
• Testing: http://www.salivatraining.com/
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Telephone Interview Call “In”
• Only used for TLE
• Prospect calls ‘IN’ to our underwriting dept.
• Needed for face amounts: $250,001 - $400,000
• Insured is age: 61- 65
• Number to call: (800) 775-3000
• Hours: - 8:00 am – 7:00 pm CST; Monday – Thursday - 8:00 am – 5:00 pm CST on Friday
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Telephone Interview Call “Out”
• Only used for TLE
• Underwriting Dept. calls ‘OUT’ to prospect
• Random phone interviews: - $50,00 - $250,000 - Approximately 1 in 10
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No Cost ‘Riders’ & ‘Provisions’
• Residential damage waiver of premium rider Waives premiums for six months if: Primary residence sustains $25,000 or more in damage
• Unemployment waiver of premium provision Waives premiums for six months if: The insured becomes unemployed
• Accelerated death benefit rider Accelerates 92% of the DB if: Insureds life expectancy is 24 months of less
• Common carrier death benefit provision Doubles the DB up to $250,000 if: : Insured dies on a common carrier (plane, bus, train, etc)
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Return of Premium Features
Monthly Premium
Face Amount
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Return of Premium Features
ROP Cost
ROP Amount
Rate of Return
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Return of Premium Features
ROP Amount
Reduced Paid Up Amount
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Installment Death Benefits
Face Amount
Monthly Premium
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TLE Summary • Knock out application
• Simplified Underwriting - No blood - No urine - No paramed
• Offers 15 – 20 – 30 Year products
• Offers Return of Premium on 20 – 30 year
• 4 Unique no cost Riders/Provisions
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Sales Support: 1 (800) 693-6083
• Product questions
• Proposal software quotes
• Order marketing materials
• Sales Professional Access help
• Gateway to any department in the company
Sales Support
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Underwriting Contacts
Underwriting Support Center: • 1 (800) 775-7896
Case Status: • [email protected] • Website pending reports (Producer website)
Contact Any Individual By Calling ‘Sales Support’: • 1 (800) 693-6083
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Brent Bench Life Sales Director (402) 968-4379 cell [email protected] Dylan Cummings Account Executive (402) 351-3538 [email protected]
Sales Contacts
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Thank You!