* Competitive Underwriting
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12 months of no tobacco ='s Preferred Non-Tobacco
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Great commissions
AM Best: A Standard & Poor’s: A+
AVIVA Life Insurance Company has a strong heritage in its ultimate parent, Aviva plc. Aviaa plc is the oldest continuously operating insurance group in the world, with over 300 years of experience. With Aviva, you will enjoy the benefits of working with a highly-rated global enterprise. Since 2002, the combined US companies of Aviva have been a top provider of indexed life insurance. Now, we have the financial backing of the world’s 5th largest insurer, with assets under management of more than $700 billion and annual premium and investment revenue of nearly $80 billion. Aviva’s global brand presence, financial strength and scale ensure they will always be able to meet obligations of a growing customer base. Their focus is on tomorrow and what they call Forward thinking.
Indexed Universal Life *
#1 in the industry
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No lapse guarantee
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$100,000 minimum
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Cost effective
* Liberal height/weight
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Very competitive underwriting
AM Best: A+ Standard & Poor’s: AA
The history of Banner Life Insurance Company is more than 50 years strong. Chartered in 1949 as Government Employees Life Insurance Company (GELICO), they were acquired by Legal & General Group Plc as a wholly owned subsidiary in 1981. In 1983, the name was changed to Banner Life, signifying their flagship position with Legal & General America in the United States.
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Foresters: Universal Life
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Genworth: Universal Life
* Very competitive
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Allows “dual” agent contracting
AM Best: A+ Standard & Poor’s: AA-
Genworth Financial, Inc is a leading financial security company with strong and expanding global operations, serving more than 15 million customers with a presence in more than 25 countries. They provide innovative products that position them as industry leaders. They are a publicly traded Fortune 500 company.
Universal Life, Lifetime FlexPlus *
$25,000 minimum
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Issue ages 0-90
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Preferred available under $100,000
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Guarantees to age 120
Survivor UL
Lincoln Financial Group: Universal Life
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Motorists Life: Universal Life
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AM Best: A
Motorists Mutual Insurance Company was established in 1928. The company is a major regional property and casualty insurer. Motorists' personal lines, commercial lines and life insurance products are sold by a network of more than 2,800 agents working through approximately 600 independent agencies in a market of more than 32 million people. Motorists Life Insurance Company was formed in 1965.
Universal Life * Guarantee death benefit rider
* $25,000 minimum
* Issue ages 0-80
Transamerica Family Market: Universal Life
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Transamerica Life: Universal Life
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West Coast Life: Universal Life
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AM Best: A+ Standard & Poor’s: AA
In 1997, West Coast Life Insurance Co. became a member of the Protective Life Insurance Family. West Coast Life added its excellent reputation in the insurance industry amongst the brokerage community and, of course policyholders, to the growing list of the Protective Life family of policyholders.
West Coast Life was founded in 1906 and Protective Life in 1907. The two companies have forged the experience of almost 200 years in the life insurance business in America. West Coast Life's history includes more company "firsts" than most other companies can even imagine. And since 1997, West Coast Life has grown to be the crown jewel of the Protective Life Family.
Universal Life * No lapse protection to age 120
* Issue ages 0-85
* $250,000 minimum
