-10, 15, 20 and 30-Year level term

-10 & 15 year: ages 18-70, 20 year: ages 18-60. 30 year: ages 18-50 (ROP 18-50)

- $25,000 to $300,000 face

- No mortgage or life event requirement

- Return of premium available only on the 30-year plan

- No cost Unemployment Waiver of Premium Rider, Residential Damage Waiver of Premium, Terminal Illness & Common Carrier Accidental Death

- No E and O insurance required

- Before Contracted, E-app available

- 3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness)

- Accepts Metabank checking accounts but not debit/prepaid cards. Ask the client whether or not they signed up for a checking account.

- Convertible

- 15, 20 and 30-Year level term

- 15 year age 18-65, 20-year ages 18-65 (18-55 for 50% ROP), 30 year 18-55 (18-45 for 50% ROP)

- $25,000-$250,000 face

- No mortgage/life event requirement

- 50% Return of Premium available on 20 & 30 year plans

- No cost Unemployment Waiver of Premium Rider & Common Carrier Accidental Death

- Convertible

- No E and O insurance required

- E-app available

- 3 Living Benefit (ABR) riders available at no additional premium (terminal illness, critical illness & chronic illness)

- Will accept clients without a Social Security # as long as they have a Tax ID #(TIN)

- Will accept MetaBank with routing & account number

- Will NOT accept debit or credit cards

- 10, 15, 20, 25 and 30-Year level term

- 10 year: ages 18-80, 15 year: ages 18-70, 20 year: ages 18-65 (18-60 Tobacco). 25 year: ages 18-55 (50 for Male), 30 year: ages 18-50 (45 for Male)

- $20,000 - $400,000 face

- No mortgage/life event requirement

- Member benefits good for dependents

- Non-smoker rates for cigar, pipe, chewing tobacco, electronic cigarettes, patch, gum users (all except cigarettes)

- No Return of premium available

- Convertible

- No E and O insurance required

- E-app available

- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

- Unique Charity Benefit Provision added at no additional cost. Foresters will pay an additional 1% of the face amount (up to a max of $100k payout) to a designated charity

- No cost Family Heath Benefit Rider & Common Carrier Accidental Death Rider

- Does not accept debit or credit cards

- Ages 0-85

- $1,000 to $50,000 face

- Liberal underwriting

- good for insulin dependent diabetics (depending on age) & COPD/emphysema

- no phone interview

- 10-Pay available for full benefit plan

- No E&O insurance required

- accepts the Social Security Direct Express Master Card credit card only

- Ages 18-85

- $2,500-$35,000 face

- No E&O insurance required

- Good product for cancer over 2 years ago

- E-app available

- Will accept clients without a Social Security # as long as they have a Tax ID #(TIN)

- Will accept MetaBank with routing & account number

- Will NOT accept debit or credit cards, will accept a money order

- Ages 50-85

- $5,000 - $35,000 face

- Phone interview must be done at point of sale, with an underwriting decision at point of sale. Call Apptical at 866-844-9276, Mon-Fri 8:30 am to 2:00 am EST, Sat & Sun 10 am to 10 pm EST

- Member benefits

- No E&O insurance required for one year

- Does not accept debit or credit cards

- Common Carrier Accidental Death & Family Health Benefit at no cost

- Accelerated Death Benefit for terminal illness at no cost

- Ages 45-85

- $2,000 to $40,000 face

- optional phone interview for point of sale underwriting decision

- No E&O insurance required

- E-app available

- Accepts Meta bank debit card/checking account as long as it's not 16 digits & does not start with a 4 or 5. Also accepts Green Dot. You must call the 800# on the back of the card to get the correct account & routing #, cannot use the card #.

- Guaranteed issue (no health questions)

- Ages 40-80

- Graded benefit in first 2 years is ROP + 10%

- face amounts available from $1,000 to $40,000

- child/grandchild rider available for $1 mo with no health questions on child

- Accepts debit & credit cards, including the SS credit card

- Only 4 health questions for full death benefit

- Ages 40-80

- face amounts available from $1,000 to $40,000

- Full death benefit beginning year 1 pays 125% of the face amount

- no cost Accelerated Death Benefit rider for terminal illness & chronic illness

- Child/grandchild rider available for $1 mo with no health questions on child

- Accepts debit & credit cards, including the SS credit card

- Guaranteed issue (no health questions)

- Ages 50-80 (max age 85 in CA.)

- Graded benefit in first 2 years is ROP + 10%

- Unique Terminal illness & Chronic illness benefits included

- Face amounts from $5,000 to $25,000

- Easy to use online quoting & eapp

- Approved in all states except ME & NY

- Accepts credit cards including the Social Security Direct Express Master Card

- Issue Ages 40-89

- $2,000 - $50,0000 face

- NO height/weight requirement

- Does NOT accept debit or credit cards

- Accelerated Death Benefit for terminal illness, Accidental Death & Child/Grandchild riders

- Guaranteed issue (no health questions)

- Ages 0-85

- $5,000 - $25,000 face

- Graded benefit in first 2 years is ROP + at least 4.5%

- Does not accept debit or credit cards

- Eapp available

- E&O is required

- Ages 18-70

- $50,000 to $500,000 face

- Guarantee issue accidental death

- No health questions

- Spouse & children coverage available

- ROP available

- Coverage to age 80

- Non-cancel able

- Need a health insurance license to sell

- Common Carrier and Auto/Pedestrian Benefits

- E-app available

- Ages 14 days to 17 years

- $5,000 - $50,000 face

- Only 2 health questions

- Guaranteed insurability provision

- Nontobacco rates even for cigarette smokers

- Grandparents can purchase without parents signature (except in FL & PA)

- One app for up to eight children

- E-app available

- Ages 0-75

- $25,000 - $250,000 face

- simplified issue

- Guaranteed Insurability rider available

- E-app available

- 20 pay option

- member benefits

- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

- Ages 15 days to 17 years

- $5,000 to $75,000 face

- Only 2 health questions

- 10-pay option, as well as pay to 100

- Guaranteed insurability & Accelerated Death Benefit for terminal illness included at no cost

- Charity benefit provision

- Grandparents can purchase without parents signature

- Nontobacco rates even for tobacco users

- One app for up to 6 children

- Ages 0-85

- $1,000 to $50,000 face

- Liberal underwriting

- no phone interview

- 10-Pay available for full benefit plan

- No E&O insurance required

- Guaranteed issue (no health questions)

- Ages 40-80

- Graded benefit in first 2 years is ROP + 10%

- No cost spousal benefit rider - pays extra $1,000 at death of first spouse (restrictions apply)

- face amounts available from $1,000 to $40,000

- child/grandchild rider available for $1 mo with no health questions on child

- Accepts debit & credit cards, including the SS credit card

- Only 4 health questions for full death benefit

- Ages 40-80

- face amounts available from $1,000 to $40,000

- Full death benefit beginning year 1 pays 125% of the face amount

- no cost Spousal Benefit rider - pays extra $1,000 at death of first spouse (restrictions apply)

- no cost Accelerated Death Benefit rider for terminal illness & chronic illness

- Child/grandchild rider available for $1 mo with no health questions on child

- Accepts debit & credit cards, including the SS credit card

- Guaranteed issue (no health questions)

- Ages 50-80

- Graded benefit in first 2 years is ROP + 10%

- Unique Terminal illness & Chronic illness benefits included

- Face amounts from $5,000 to $25,000

- Easy to use online quoting & eapp

- Approved in all states except ME, NY & PA

- Accepts credit cards including the Social Security Direct Express Master Card

- Ages 18-70

- $50,000 to $500,000 face

- Guarantee issue accidental death

- No health questions

- Spouse & children coverage available

- ROP available

- Coverage to age 80

- Non-cancel able

- Need a health insurance license to sell

- Common Carrier and Auto/Pedestrian Benefits

- E-app available

- Guaranteed issue (no health questions)

- Ages 0-85

- $5,000 - $25,000 face

- Graded benefit in first 2 years is ROP + at least 4.5%

- Does not accept debit or credit cards

- Eapp available

- E&O is required

- Ages 18-70

- $25,000 - $300,000 face

- Only simple issue guarantee UL in market

- Term alternative for older ages

- not a cash accumulation product

- guaranteed insurability at no cost

- additional no cost riders

- Can guarantee coverage from a minimum of 20 years to a maximum of up to age 120

- No E&O required

- Ages 0-75

- $25,000 - $400,000 face ($10k ages 0-15)

- cash accumulation product UL with competitive interest rate

- member benefits good for dependents

- Can be used for tax-free retirement income

- E-app available

- 7 & 10-year contracts

- Ages 0-85

- Minimum $10,000 premium

- No bonus

- High caps for accumulation

- Index options with higher caps/participation rates for a 1% fee

- Ages 0-85

- minimum $10,000 premium

- 4-5% immediate bonus depending on state

- 10 year surrender charges

- Ages 0-85

- minimum $10,000 premium

- various bonus

- 7, 10 or 14 yr surrender charges

- high caps

- Income rider at 6% for up to 10 years or 18% bonus, both with fee

- DB enhancement

- 9 year contract

- Ages 0-80

- Minimum $100/mo or $5,000 lump sum premium

- Good for long-term accumulation of 11 years or more

- 9-year contract

- Ages 0-75

- minimum $100/mo or $5,000 lump sum premium

- 5% bonus applied to each premium received in the first 8 years

- Indexed interest added at the end of each year

- Good for accumulation of 10 years or less IF they are continually contributing & getting the 5% bonus

- Caps are low

- Fixed Indexed Annuity

- Income rider is required, with fee

- Ages 25-80

- minimum $100/mo or $5,000 lump sum premium

- 9 yr surrender charges

- Fixed Indexed Annuity

- Income rider, with fee - based on indexed interest

- Ages 25-75

- minimum $100/mo or $5,000 lump sum premium

- 9 yr surrender charges

- Fixed Indexed Annuity

- Ages 35-75

- minimum $10,000 premium

- 9 years surrender charges

- 2 Income rider options based on fixed & indexed interest, with cost

- Fixed Indexed Annuity

- 3% immediate bonus

- Ages 0-85

- minimum $10,000 premium

- 9 years surrender charges

- No Income rider

- 9-year contract

- Ages 35-85

- Minimum $10,000 premium

- Income rider required, with fee

- 14% INCOME bonus (not accumulation value) with a 7% simple interest rollup

- Fixed Indexed Annuity

- Ages 35-75

- minimum $10,000 premium

- 9 years surrender charges

- 2 Income rider options based on indexed interest, with cost

- 7 & 10-year contracts

- Ages 0-85

- Minimum $10,000 premium

- Index accounts that track domestic & international ETFs

- 7, 10, & 14-year contracts

- Ages 0-90 for 7 yr, ages 0-85 for 10-year, 0-90 for 14 yr

- Minimum $10,000 premium

- Designed for accumulation

- Bonus version with a bonus of 5, 7, or 10% depending on product & state

- 10-year contract

Ages 0-80

- Minimum $10,000 premium

- Bonus to increase income, ranging from 4.5% to 10% depending on state & age

- Income rider tied to indexed interest with fee

- 10-year contract

- Ages 0-80

- minimum $10,000 premium

- 7 or 8% bonus (depending on state) to increase income

- Required income rider with fee

- Good for income in 5-10 years

- Ages 0-80

- Fixed annuity (not indexed)

- minimum $10,000 premium

- 5% or 7% vested bonus (depending on state)

- 10 or 12 years surrender charges (depending on state)

- No charge lifetime income rider

- Benefit base for INCOME rider can be based on indexed interest crediting

- Ages 0-90

- minimum $20,000

- 3, 5, & 7 yr surrender charges

- great alternative to CDs

- 3, 5, & 7 yr fixed annuities

- No income rider

- Ages 0-100

- minimum $10,000 premium

- immediate income stream

- no access to remaining lump sum deposit

- 10-year contract

- Ages 0-80

- Minimum $15,000 premium

- Good for clients needing income in 1-3 years or 10+ years

- Large bonuses for INCOME only (not accumulation value)

- Can start income in 1st year if age 50+

- Fee for income rider

- Ages 0-80

- minimum $15,000 premium

- 10 year surrender charges

- enhanced death benefit & chronic care riders available with fee

- income rider

- Ages 0-80

- minimum $15,000 premium

- bonus of 8-15% vested for 10-13 yrs depending on state

- 10-12 years surrender charges

- income rider at 8% for up to 24 years with fee

- Ages 0 - 85

- Participating whole life (pays dividends)

- minimum single premium of $10k ages 0-54 and $5k ages 55-85

- No medical exam up to $700k ages 0-60 and $450k ages 61-85

- excellent way to increase money set aside to pass on to heirs tax-free

- Accelerated benefit rider for terminal & chronic illness

- E&O insurance required

- Ages 18-70

- $25,000 - $300,000 face amount

- Simplified underwriting - no medical exams, blood, urine, etc

- tax-free retirement income

- no e-app

- Living benefits for terminal, critical & chronic illness

- No E&O required

- Ages 0-80

- $50,000+ face amount

- Ages 0-45 up to $149,999 face does NOT require a medical exam

- Non-med policies have lower caps

- Fully Underwritten

- Accelerated underwriting available ages 18-50 for face amounts $150k - $1 million MAY not have to have blood, urine, paramed, etc if they meet certain criteria

- Living benefits for terminal, critical & chronic illness

- Tax-free retirement income

- will accept clients without a Social Security # (see underwriting guide for details)

- E-app required for ages 0-17 & all face amounts below $250k

- Ages 0-85

- $25,000+ face

- fully underwritten

- tax-free retirement income

- global index

- Long Term Care Rider available

- Ages 0-85

- Minimum $100,000 face amount

- Fully Underwritten (under $100k is non med)

- Long-term no lapse premium provides coverage guaranteed to age 85

- Living benefits for terminal & chronic illnesses

- Return of premium options (Guaranteed Refund Option)

- E&O required

- Ages 0-85

- Minimum $100,000 face amount

- Fully Underwritten (under $100k is non med

- Living benefits for Terminal & Chronic illnesses

- A Long Term Care Rider to reimburse for LTC services

- Return of premiums through the Guaranteed Refund Option

- E&O required

- Ages 0-85

- Minimum $50,000 face amount

- fully underwritten

- EZ Underwriting: ages 18-50 up to $2 million, ages 51-60 up to $1 million, ages 61-65 up to $250k MAY not have to have blood, urine, paramed, etc if they meet certain criteria

- tax-free retirement

- Living Benefits for terminal illness, chronic illness, critical illness & critical injury

- Lifetime Income Benefit Rider

- Charitable Matching Gift Death Benefit Rider

- e-app available

content

- Ages 0-80

- Minimum $150k ages 0-45; $100k ages 46-80

- Fully underwritten

- Accelerated underwriting ages 18-50 up to $1 million MAY not have to have blood, urine, paramed, etc if they meet certain criteria

- Death benefit protection with some cash accumulation

- Will accept clients without a Social Security # (see underwriting guide for details)

- E-app required for ages 0-17 and all face amounts of $249,999 and below

-Living benefits for terminal, critical & chronic illness (chronic not available in CA)

- Ages 0-80

- $100,000+ face amount

- Fully underwritten

- Accelerated Underwriting - no blood, urine or medical exam in certain instances for ages 25-60 up to $1.5 million

- Accelerated benefit rider for terminal & chronic illness

- Tax-free retirement income

Interest bonuses on some index allocation options

Rate lock feature - can lock in a rate of return during the year

E&O insurance required

- Ages 0-85

- $25,000+ face amount

- Cash accumulation UL

- Can be used for tax-free retirement income

- Living benefits for terminal & chronic

- E-app available

- E&O required

-Second to die IUL

-Issue ages 20-79

-Minimum face: $100,000

-Living benefits for terminal, critical & chronic illnesses

-Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & up to $1 million

-Good for concepts like tax-free retirement

-Issue ages 0-79

-Minimum face: $25,000

-Living benefits for terminal, critical & chronic illnesses

-Accelerated underwriting (may not have to complete an exam) for $100,000 to $1 million & ages 20-55

- Issue ages 0-85

- $25,000+ face amount

- Cash accumulation UL

- Member benefits good for dependents

- Can be used for tax-free retirement income

- Living benefits for terminal, chronic & critical illnesses

- E&O required

- E-app available

- Issue ages 0-85

- $20,000 + face

- no medical exam up to age 70 & $50,000 (APS, paramed, blood/urine, etc may be requested)

- no medical exam up to age 60 & $99,999 (APS, paramed, blood/urine, etc may be requested)

- cash accumulation

- Ages 0-85 (age nearest)

- $50,000+ face amount

- Cash accumulation UL

- Can be used for tax-free retirement income

- Living benefits for terminal, chronic & critical illnesses & critical injury

- E&O required

- E-app available

-Guaranteed UL with death benefit guaranteed for life, to age 90 or to age 95

-Issue ages 0-79

-Minimum face: $50,000

-Living benefits for terminal, critical & chronic illnesses

-Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & $25,000 to $1 million

-Fixed (not indexed) UL with guaranteed minimum interest rate of 3

-Issue ages 0-85

-Minimum face: $25,000

-Living benefits for terminal, critical & chronic illnesses

-Fully underwritten with Expanded Standard Program - up to Table C will be issued standard for ages 20-70 & $25,000 to $1 million

- Ages 0-75

- $25,000 - $400,000 face

- 20-Pay option

- 10 and 20-Year Term riders available

- member benefits good for dependents

- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

- 10, 15, 20 and 30-Year level term

- Ages 18-80

- $100,000+ face

- very competitive term for higher face amounts

- great for ages 40-60

- Convertible up to age 70

- 10, 15, 20, 25 and 30-Year level term

- Ages 18-80

- $100,000+ face

- Convertible up to age 65

- Member benefits good for dependents

- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

- 10, 15, 20 & 30-Year level term

- Ages 18-80

- $25,000 + face

- No medical exam for $25,000 - $249,999 face up to age 60, lower ages on 30-year (APS, paramed, blood/urine, etc may be requested)

- No return of premium available

- Convertible up to age 70

- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

- Advanced premium options

- TOP & TOP Plus program - no medical exam required on qualifying applicants for up to $999,999

- 10, 15, 20, 25 & 30-year level term & an Annual Renewable Term

- Ages 18 - 80 (age nearest)

- $25,000 + face

- Convertible up to age 70

- Return of premium available

- TOP & TOP Plus program - no medical exam required on qualifying applicants for up to $999,999

- 10, 15, 20 & 30-year term & Annual Renewable Term

- Ages 18-75 (age nearest)

- $100,000+ face amount

- Convertible after 5 yrs & up to age 70

- Living benefits for terminal, chronic & critical illnesses & critical injury

- EZ Underwriting - MAY not require paramed

- E&O required

- E-app available

- Ages 0-75

- $25,000 - $250,000 face

- 20-Pay option

- 10 and 20-Year Term riders available

- member benefits good for dependents

- 3 Living Benefit riders available at no additional premium (terminal illness, critical illness & chronic illness)

- Ages 0-85

- $50,000+ face amount

- Participating whole life (pays dividends)

- Can choose a Paid up option, such as retirement

- EZ Underwriting - no blood, urine or medical exam in certain instances for ages 18-50 up to $1 million & ages 51-60 up to $250k

- 4 Living Benefit (ABR) riders available at no additional premium for terminal, chronic & critical illness & critical injury

- E-app

- E&O insurance required

- Ages 18-59

- $300 to $2,500 monthly benefit (max 60% income)

- simplified issue

- Benefit periods of 6 mo, 1 or 2 years

- Elimination periods of 30, 60, 90 or 180 days

- Covers illness or injury

- Health insurance license required to sell

- critical illness & ROP riders available

- Ages 18-60

- up to $11,000 max depending on occupational class

- up to $5,000 non med

- 35% benefit in first year, 70% benefit in second year

- Benefit periods of 2, 5 or 10 years

- Elimination periods of 30, 60, 90, 180 or 365 days

- Health insurance license required to sell

- financial underwriting required

- Ages 18-60

- up to $20,000 max depending on occupational class

- 2 year own occupation definition

- financial & occupational underwriting required

- some non med depending on age & amount

- Benefit periods of 1, 2, 5 or 10 years, to age 65 and to age 67

- Health insurance license required to sell

- Good for self-employed

- various riders available

- Elimination periods of 30, 60, 90, 180 & 365 days

- Ages 18-61

- Benefit of a max of 70% of income up to $4,000/mo

- short-term accident & sickness

- simplified issue, knockout application, Rx check & random telephone interview

- coordinates with Social Security disability

- 12, 24 & 36 month benefit periods

- elimination periods of 30 days for accident & 90 days for sickness

- off the job coverage - any occupation can qualify

- guaranteed renewable to age 65

- must work a min of 30 hrs a week

- annual income of at least $15,000

- health insurance license required to sell

- E-app available

- Unisex rates

- Ages 18-61

- Accident only & Accident & sickness

- On & off the job coverage

- Accident & sickness up to $20k/mo (up to $6k/mo is simplified issue)

- Accident only up to $5k/mo simplified issue

- Guaranteed renewable to age 67, conditionally renewable to age 75

- Elimination periods: 30, 60, 90, 180, 365 & 730

- Benefit periods: 6 mo, 1, 2, 5, 10-yrs (accident & sickness to age 65, 67, 70)

- Lots of optional riders

- Health insurance license required to sell

- E-app only

- Ages 19-99

- Guaranteed Issue

- Low calendar year deductible

- Coverage for preventive, basic and major services

- Implant benefit

- Optional vision rider

- Large provider network of about 375,000 dental provider locations offered in association with the DenteMax Plus dental network

- Quoting available through Mutual of Omaha Mobile Quote app

- Ages 18-64

- $5,000 to $50,000 in benefits

- simplified issue

- ROP death benefit if insured dies of a cause other than a covered illness

- Health insurance license required to sell

- Coverage Options: Lifetime or Term (10, 15, 20 or 30 years)

- Individual, Single Parent or Family plans

- Face amounts from $10,000 to $100,000

- Simplified underwriting

- Issue Ages: 18-64 for Critical Illness (18-54 for Term), 18-89 for Cancer, Heart Attack & Stroke

- Critical Illness covers internal cancer, malignant melanoma, heart attack, stroke, Alzheimer's, major organ transplant, blindness, coronary artery bypass surgery (25%) & coronary angioplasty (25%), deafness, kidney failure

- Not available in AZ, CA, MT, NY, VA, WA

- Health insurance license required to sell

- Ages 30-79

- long term care policy

- maximum monthly benefit of $1,500 to $10,000 per month

- elimination periods of 0, 30, 60, 90, 180 or 365 days

- inflation protection

- Helps to pay for some things Medicare doesn't pay for

- Available to those age 65 years of age and older and enrolled in Medicare A & B

- Under age 65 with Medicare Disability and enrolled in Medicare A & B (not available in every state)

- Carriers may not have plans available in every state

- Plans are standardized; premiums may vary by carrier (only difference in plans can be price)

- Mutual of Omaha Medicare Supplement

- Humana

- Aetna

- Atlantic Coast Life

- United HealthCare

- Helps to pay for some things Medicare doesn't pay for

- Client must be enrolled in Medicare A & B

- Plans vary by client’s county and state of residency

- Carriers may not have plans available in every county/state

- AHIP is required to sell Medicare Advantage plans with most carriers

- Product certification by carrier is required with most carriers

- Aetna

- Humana

- Mutual of Omaha

- United HealthCare