Whether it is for life insurance, long term care or annuities; the insurance industry has a history of product innovation and the options in today’s marketplace can appear overwhelming.
Even a “simple” term life policy is not so simple when you consider:
- You have a choice of 10, 15, 16, 17…30 years or more of level term
- Return of Premium term
- Plus extensive rider options and conversion features
For permanent protection, you have a range of products including:
- Whole Life, Universal Life, Indexed Life and Variable Life in single and joint life versions
- Guaranteed Issue and Multi Life Business Products
- Lots of unique riders from Return of Premium to LTC to Waiver of Surrender Charges and more
For Long Term Care protection:
- Stand-alone products with a choice of inflation riders and payment options.
- Combination or Linked Products (both life and annuity) featuring substantial LTC benefits
And while the proposal numbers are important, often times it is the detail behind the numbers or the presentation itself that makes the difference between a sale and a missed opportunity. Let us help you sort through the clutter and properly package your presentation.