Menu

Advisors Blog

Access to Top Rated Carrier Programs

Published on December 03, 2019





1. PREFERRED NON-TOBACCO FOR MARIJUANA SMOKERS 

Recreational marijuana users can get preferred non-tobacco rate class for recreational marijuana use. No more than three admitted uses per week to qualify. Offered by an A+ carrier.

2. TABLE SHAVE PROGRAM - UPGRADE FOUR TABLES TO STANDARD

An A+ Carrier has a Table 4 to standard underwriting table shave program available until year end for all permanent products which includes, Whole Life, IUL and GUL.


3. HIGH CASH VALUE BUSINESS PLANS

We have access to a unique Corporate Sponsored Universal Life policy whose cash surrender value equals or exceeds the premiums paid by end of year one, if structured properly – resulting in zero net cost to the corporation. This balance sheet-friendly sale is perfect for key-person or buy/sell purposes, especially for companies with strong retained earnings. Offered by an A rated carrier.


4. NON-SMOKER RATES FOR CIGARETTE SMOKERS


We have an A+ rated carrier that will give occasional cigarette smokers non-tobacco rates, provided the specimen is negative:

  • 12 or less per year - Preferred Best Non-Smoker
  • 13-24 per year - Preferred Non-Smoker

 

MORE ADVISORS BLOG

 

7 Valuable Tips and Sales Ideas

Introducing a new series of quick sales ideas to spark interest in your clients and centers of influence. Position yourself as a valued advisor and insurance professional by using these tips as conversation starters.

Read More >>

Have You Considered VUL?

If you haven’t considered VUL lately, many of today’s newest products include benefits and features that clients are looking for. With the increased pricing for GUL products coupled with many carriers totally withdrawing from that marketplace, VUL and SVUL have become an even more attractive alternative for you and your clients to consider.

Read More >>

Get Started


Start Your GBS Online Account

At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas mnt in culpa qui officia deserunt n culpa qui officia des mollfuga.


Stay Connected



login