Advisors Blog

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