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Guaranteed Issue Life Insurance

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Guaranteed Issue Life Insurance Example

Guaranteed Issue Life Insurance is usually a Graded Benefit Life Policy that offers individuals who are either very highly rated or uninsurable and unable to obtain life insurance at standard rates an opportunity to obtain permanent, non-participating whole life coverage on a guaranteed issue basis.

Death benefits under the policy are limited in the event of death from other than accidental causes during the first two or three policy years, depending on age at issue and state of residency.

Guaranteed Issue

      No medical questions
      No medical examinations
      No medical tests

Policy Benefits

The policy death benefit is the full face amount of the policy, except during the first two or three years as described below:

Issue age between 40 – 64

Benefits payable during the first 3 policy years, (2 years in WV) are limited to the premiums paid plus 5% compounded annually except when death results from accidental causes wherein 100% of the benefit is paid.

Issue age 65 or older

Benefits payable during the first two policy years are limited to premiums paid plus 5% except when death results from accidental causes wherein 100% of the benefit is paid.

Accidental Death

If death during the applicable 2 or 3 year limited-benefit period results from accidental causes, the policy death benefit will be the premiums paid plus 5% compounded annually plus an addition sum equal to the policy face amount.

Policy Issues Ages

      MO: 40-75
      NJ: 65-76 Male
      NJ: 65-79 Female
      NY: 50-75
      WV: 50-80
      All other states 40-80

Policy is not approved in AK, AR, CA, KS, MA, MN, MT, NH, WA, or WY

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For Your Client

Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

Download top company life insurance quotes -

Get appointed with the company that best suits your clients needs-

Download top brokerage appointment forms-

Get a state specific term
life insurance application-

Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

Request state specific brokerage life application forms-

Mail completed forms to -

  Insurance Brokerage America

  National Marketing
  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.



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