Core Carriers
AIG / US Life
Good for – liberal builds, asthma, anxiety, diabetes, blood pressure, coronary artery disease, ekg issues, sleep apnea, foreign nationals, Secure Lifetime GUL 3 – back in NY ROP feature not available in NY yet, *Enhanced Surrender Value Policy Year 20 or Policy Year 25.
Products
Underwriting Guides
American National
Good for – GUL with guaranteed buy-out rider.
Underwriting Guides
Ameritas
Good for – WL and WL term blend $25K min WL face. Cheap term with great conversion options to WL and UL products. Outstanding LTDI product with the COBRA and non-disabling injury benefit – eApply for DI = possible discount.
Products
Underwriting Guides
Lincoln
Good for – LincXpress teleapp, cigar ratings, preferred pricing certain medical conditions, foreign nationals, Moneyguard Single Premium LTC product
Products
Underwriting Guides
Nationwide
Good for – good GUL with LTC rider indemnity style, single premium GUL.
Products
Underwriting Guides
