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A-List Term: One Medical Question!

A specifically designed carve-out product for the institutional purchase of individual life insurance for executives, professionals, physicians and other highly compensated individuals – delivered on a specially tailored underwriting basis and pricing schematic.

Program: A-List Term Life insurance for highly compensated individuals
Insurer: Legal & General America
Plan Administrator: Dye & Eskin, Inc.

Why is A-List Term Better? 

-High death benefits: Up to $3 million based on group size (restrictions apply). Higher amounts considered. Maximum determined by multiplying covered lives by $18,000 for groups of 10-24; by $20,000 for groups of 25 or more. $50,000 minimum face amount per life.

-Minimum participation requirement is low: groups of 10-24; 25 or more.

-Underwriting 10-24 lives: Simplified issue for all ages (age last birthday). Underwriting will include review of MIB, MVR and prescriptions.

-Underwriting 25 or more lives: One medical question for ages 25-70; simplified issue ages 71-75 (age last birthday).

-Average age of group cannot exceed age 50 for groups of 10-24; cannot exceed age 55 for groups of 25 or more.

-Competitive rate schedule guarantee for first 3 years of policy. Age and gender distinct; no distinction for tobacco use.

-Insurer cannot change pricing based on a single employer’s experience.

-Usually less taxable income.

-Individual term life policies: portable at same rate schedule upon termination or retirement.

-Increasing Death Benefit Rider syncs with salary increases.

-Free MediGuide Medical Second Opinion Program.

-Free Accelerated Death Benefit for qualifying terminal illness.

A-List Term Sales Opportunities:

-Carve-out group life and replace with A-List Term.
-Provide additional insurance on top of group life plan.
-Replace another carve-out plan.
-Insure corporate-owned plans: buy-out, key-man, etc.

Questions? Email Nick@agent-link.net

Filed Under: Life Insurance, News and Updates

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