

Life
Insurance Products:
Term
Return of
Premium Term (ROP Term)
Universal
Life (Fixed UL)
Universal
Life (Indexed UL)
Survivorship
Universal Life (SUL)
Second to
Die Term
Whole
Life
Limited Pay or
“Paid Up” Permanent Plan Design
Preferred
Risk Market – Best “price” shopping and
proficiency
Impaired
Risk Market – Access and associations
with underwriters and medical
directors. Full-time underwriting
experience.
Final
Expense Market – Guaranteed Issue and
Simplified Issue; I can offer
policies that require no medical questions!
Jumbo
Case Market ($10,000+ in Annual Premium) – Leverage My business
relationships and “pull” with several jumbo case market companies (Principal, Jefferson Pilot, Jackson National,
Etc.)