Transcript UNITED HOME LIFE - Life Agent Alliance

Simple! Fast! Easy!
Life Insurance
Products Without All The Hassles!
We are
CONNECTED!
United Home Life
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United Home Life
 Founded
in 1948, member of United Farm
Family Insurance Companies since 1997.
 United Farm Family Life (IN) is the parent
company.
 Rated
 UHL
A (Excellent) by A.M. Best
is Rated A- (Excellent) by A.M. Best
 Upgraded
June 2008
 3 upgrades in past 10 years
 Demonstrates sound financial condition for UHL
United Home Life
Strong presence in
simplified issue
market.
 18 straight years!
= stability
 Here yesterday, here
today, here
tomorrow.
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Where We Do Business
43 states and
D.C.
 States Excluded
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Alaska
 Massachusetts
 New Hampshire
 New York
 North Carolina
 South Dakota
 Wyoming
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UNITED HOME LIFE
Top 5 Reasons to
“KNOW & SELL”
UHL Products
#5: Stable Presence – 18 yr in
Simplified Issue Market!
#4: We Pay Commissions Daily!
#3: The Simplest applications
you’ll ever see!
#2: The Most Unique Accidental
Death Policy in the Industry
#1: The Best Final Expense
Product Portfolio on the
Market
Total Protection Series III
Final Expense
Whole Life Portfolio
Total Protection Series III
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Features 3 whole life policies on a single, shortform, 3 in 1 application.
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Express Issue Whole Life (Graded/Modified Benefit)
Express Issue Deluxe
Express Issue Premier
Non-Medical, Simplified Issue
 Application covers wide-range of underwriting
from Graded Benefit to almost Standard.
 Application is a “stack” application. The more
questions answered “no” the better the policy
and rate.
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Total Protection Series III
Express Issue Whole Life
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Graded Death Benefit Policy
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Perfect for clients in poor health – Up to Table 16 issued
Standard
Graded death benefit during first 2 years - full death
benefit in year 3
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4 Riders included free of charge if face amount at least
$10,000.
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Immediate DB yrs 1 & 2 if death by accident
Inflation Guard Benefit
Identity Theft Benefit
Extended Hospital Stay Benefit
Common Carrier Accidental Death Benefit
PHI (Recommend agent complete at point of sale)
Total Protection Series III
Graded Benefit Free Riders
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Inflation Guard Benefit
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Identity Theft Benefit
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Identity stolen, company will waive 3 months of
premium
Extended Hospital Stay Benefit
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Face amount increases 5% every five years for the
first 20 years of policy (simple interest).
Waive 3 months premium if client is hospitalized 20
consecutive days or more.
Common Carrier Accidental Death Benefit
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Death Benefit doubles if client dies in public
transportation (i.e. Bus, Plane, Train, Taxi).
Total Protection Series III
Express Issue Whole Life
Graded Benefit Specs
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Ages 25 to 80 (45 to 80 in CA)
Face Amounts range from $2,000 to $50,000
Total Protection Series III
Express Issue Deluxe
Immediate death benefit
 Up to 8 Tables considered standard
 Good for clients who have some health issues
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(including insulin-dependent diabetes)
Accidental Death and Child Riders available.
 PHI required (Recommend agent complete at
point of sale)
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Total Protection Series 3
Express Issue Deluxe
Express Issue Deluxe Specs
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Ages 20 to 80
Face Amounts Range from $5,000 to $50,000
Total Protection Series III
Express Issue Premier
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Immediate death benefit
Up to 4 Tables issued standard
Good for clients in better health but don’t want
to go through full underwriting
Accidental Death and Child Riders available
PHI Required (Recommend agent complete at
point of sale)
Total Protection Series III
Express Issue Premier
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Express Issue Premier Specs
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Ages 20 to 80
Face amounts up to $100,000 ($50,000 61-80)
Total Protection Series III
“Sweet” Spots
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TWO year Graded Benefit
Minimum issue age is age 25 (20 for Deluxe/Premier)
Issue up to $50,000, even on the graded benefit
policy & even for issue age 80!
Commissions SAME for all 3 products!
Simple 3-in-1 “Stack” Application!
No Product Mix Requirement!
FREE EXTRA BENEFITS on Graded Benefit –
UNIQUE to UHL ONLY: Inflation…Identity Theft…Ext
Hospital Stay….Common Carrier AD
What Have We Done
For You Lately?
BIG NEWS!
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20% rate reduction
for the Express Issue
Premier – table 4
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12% rate reduction
for the Express Issue
Deluxe – table 8
Monthly Premiums for $15,000 death
benefit
Female, NT, Age 65:
Old Rates
New Rates
72.47
58.92
89.98
79.74
Premier –
4 Tables
Deluxe –
8 Tables
Commission Enhancements!
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1st year commission will be increased
for the Premier – and, will now match
the EIWL Graded Plan.
2nd year renewal commission will be
significantly increased for all 3 final
expense products.
New YES/NO Application!
Easier to read;
easier to navigate
 Will provide better
assurance your
client will qualify
 Still one of the
easiest apps you’ll
ever see!
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New Know Before You Go
Underwriting Process
Agent calls the
Interviewer while at
the client’s home;
 During the 10-15
minute interview, MIB
and Rx Databases are
queried;
 At end of call, agent
will know whether to
send in the app!
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Point-of-Sale PHI
New Modified Benefit Whole Life
Plan
New states that
approved our Express
Issue Whole Life plan!
 Enhanced Death
Benefit in first 2
years:
1st Yr = 30%
2nd yr = 60%
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UHL’s First-ever Incentive Trip!
Contest Period:
3/1/09 – 2/28/10
 Qualify by earning
$40k in commission
 All-inclusive 5-day,
4-night excursion
 Trip scheduled for
April 10-14, 2010

Sandals Dunn’s River
Resort - Jamaica
2009 – A Year To Remember!
Significant Rate Reductions!
 Significant Commission Enhancements!
 New YES/NO Application!
 New KNOW BEFORE YOU GO Process!
 New Modified Benefit Plan in AR,KS,NV,PA
 First-ever Incentive Trip to Jamaica!
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Term Portfolio
7/21/2015
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SIMPLIFIED ISSUE TERM
FEATURES
EIT+
Premier 20
EIT 30
Premier 30
Issue Ages
20-60
20-60
20-55
20-55
Minimum Face
None
$15,000
None
$15,000
Maximum Face
Ages 20-45
Ages 46-55
Ages 56-60
$200,000
$150,000
$100,000
$200,000
$150,000
$100,000
$200,000
$150,000
$100,000
$200,000
$150,000
$100,000
Age Near B-day
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Simplified Issue Term
(continued)
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Single application for all term plans
RETURN OF PREMIUM BENEFIT!
Only 4 health/lifestyle questions
No Exam, No Blood, No HOS
Rates fully guaranteed
Underwriting: up to 4 tables issued
standard
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30
Simplified Issue Term
(continued)
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Single application for all term plans
Competitively Priced Premiums
Only 4 health/lifestyle questions
No Exam, No Blood, No HOS
Rates fully guaranteed
Underwriting: up to 4 tables standard
Free $5,000 Child Rider if base face amount
is $100,000 - covers all children, even those
yet to be born
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Accidental Death
Coverage
Accidental Death – Whole Life
Protector
Accidental Death Coverage
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Non-Medical
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Virtually Guaranteed Issue with good driving
record and no participation in hazardous
avocations.
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One rate regardless of age, gender, or tobacco
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Level Premium for 20 Years
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Return of Premium in Year 20
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Accidental Death Benefit doubles over 20 year
use.
Accidental Death Coverage
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One Underwriting Question
“In the past 3 years, have you had any
participation in, or contemplate any future
participation in any hazardous sport or
aviation, or had your driver’s license
suspended or revoked, or in the past 5
years have you been convicted of
operating a vehicle while intoxicated?”
Accidental Death Coverage
Option 1
Option 2
Option 3
AD Benefit
$50,000
$75,000
$100,000
Doubles to:
$100,000
$150,000
$200,000
Bonus WL
$125
$188
$250
Annl Prem
$147.50
$196.25
$245.00
Mo. Prem
$13.72
$18.25
$22.79
20th-yr ROP
Benefit
$2,950
$3,925
$4,900
$125
or
$188
or
$250
$50,000
or
$75,000
or
$100,000
AD OCCUPATIONS
Not Acceptable
Acceptable
Construction
 Law Enforcement
 Domestic firefighters
 Long-haul truckers
 Coal miners
(surface and no
explosives)
 Postal workers
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7/21/2015
Aviation
Chemical/biological
weaponry industry
 Explosives handler
 Oil/gas offshore
 Professional rock
Stars
 Pro-athletes
 Overseas security
officers
 Rodeo Pros
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The UHL Advantages…
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Innovative, Competitive Products!
18 Years experience in Simplified Issue Marketplace!
Simple applications!
Quick Underwriting, Point-of-Sale PHI’s – “Know Before
You Go” Process!
Applications can be taken over-the-phone!
Commissions paid daily!
Annualization available to writing agent and MGA!
Numerous Marketing Materials: Sales brochures, Letter
templates, Advertising Templates, On-line Support,
Webinars, Email Blasts, etc…
Incentive Trip!
Deal direct with the Home Office!
AND ALWAYS…
SIMPLE….FAST…..EASY!
LET US EARN YOUR BUSINESS!