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NAAIP Admin

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  1. Our commission schedules for their General Agent or top available Agent level are attached for your review. On top of receiving the highest available commission you also are able to tap into our incentive programs and industry leading technological solutions like our telephonic MAPD / PDP enrollment tool. You can receive a free 1,000 piece mailer for writing business as you usually would as well. A release would allow you to immediately move to us but if you cannot obtain a release then #3 and #2 can be transferred in 90 days and #1 would require a six month wait but it would transfer after AEP is over - if done today.. #5W can be moved in two weeks and the other carriers require a 6 month non-production period to be transferred without a release.
  2. Many referrers become aware of an agent’s capabilities when an agent spoke at a seminar or a conference. This is what I would recommend that you do. You can reach out to businesses that have seniors on payroll, Financial Advisors are a good resource, P & C agencies, faith-based organizations, organizations that you belong to like a gym. Do you belong to, or does someone you know belong to a service organization? Do they need someone to come talk about Medicare? Meet with the director, or manager of these businesses and organizations. Bring them donuts. Get to know them and be persistent. Build a relationship. Let the directors know that you are there to help their members. You can study more about hosting educational events, let me know if there is any additional information that you may need because the sales will come. Other Marketing Opportunities 1. Call Meals on Wheels, the director may agree to send a flyer with the meals. 2. Do T65 mailers, this will keep a steady stream of clients coming into your business. 3. Put a magnet on your car, or window clings. These are available on United Healthcare’s portal, or you can order from www.vistaprint.com. 4. Retail Venues. We work with Direct Health, CVS, and Medicare carriers to bring retail opportunities to agents during AEP. 5. Community Events, Health Fairs – most carriers have compliant signage, flyers, ads, post cards, etc. google senior expo, tradeshow and events to find the ones you want to work. 6. Senior centers, Senior housing, Senior Mobile home parks – give a seminar, do a benefits check-up (see attached documents on benefits check.org) 7. Realtors, seniors moving into the area. 8. Contact Financial advisors, P & C agencies, Group Benefit providers, most of these agencies like to refer Medicare Business. Be persistent, bring donuts, offer to do educational seminars for their clients. 9. Qualification Criteria for Extra Help: https://www.ncoa.org/wp-content/uploads/part-d-lis-eligibility-and-benefits-chart.pdf Humana Webinar Generating Medicare Referrals: https://youtu.be/nAJ8Vi1sbxY Marketing Special Election Codes: https://attendee.gotowebinar.com/recording/5424810434094211329
  3. Question: He is in good health 33 years old. 6"3" 285 lbs and smokes 1 cigar a month. Looking for a 20 year $250,000 term. Can you direct me to a company and tell me how to get appointed? Answer: https://www.naaip.org/john-hancock-insurance is your best bet as they are among the least expensive for his height and weight whether or not you choose Vitality and he can smoke as many cigars as he wants and still be considered non-smoker. in our iPipeline tool at the bottom of www.naaip.org and all subpages - There is an underwriting tools in Term and UL Quotes and submissions - iPipeline. www.naaip.org/banner-life looks good but based on client be able to smoke many cigars JH is best. With JH you would register for the eticket and login in the NAAIP back office and submit the sale. There is a decent chance it will be accelerated underwriting as well. https://www.naaip.org/john-hancock-life-expresstrack-2-pages-1.pdf Symetra is a great company. They have a solid built in chronic illness rider and the client can pay additional funds for an even better one. AIG and ANICO have guaranteed ROP options which are nice. ANICO offers great living benefits too.
  4. Hello {$name}, Subject Line: Join the Walmart Retail Program with NAAIP The Walmart Retail Program is returning for AEP 2020. The program allows NAAIP agents to reserve a Walmart store during AEP. Agents have the opportunity to interact with Walmart shoppers, answer their questions, and enroll them in Medicare plans. Stores Must Be Reserved Agent reservation is exclusive; no other agents will be allowed a presence in that Walmart. The sooner you apply for a store the better your chances of reserving it. For AEP 2020 there are more than 2,500 unclaimed stores. Must be contracted through NAAIP with at least two Medicare Advantage carriers who offer plans in the store area. Must complete Medicare certifications for AHIP and your Medicare Advantage carriers by September 10, 2019. Agent must be in store three days per week for a total of 20 hours per week between October 7 and December 13. This can be divided between multiple agents. $250 application fee per store (if with 3 med adv carriers - 2 carriers will be $500). Agents will be credited to cover this cost at the end of the program if adhere the program guidelines. You Must Apply and Submit their Store Selection with NAAIP by May 17, 2019 Available Stores Click to find stores in your area. May 1 to 16 - Round 1 of Store Selection For returning agents only. Renewals for agents who had stores the previous year. May 17 - NAAIP Deadline for Store Selection Agents must submit their store selection to NAAIP by May 17. May 22 to June 17 - Round 2 of Store Selection Open to any agent. Agents can apply for stores whether or not they had the store the previous year. June 24 to 28 - Round 3 of Store Selection Open to any agent. Agents can apply for stores whether or not they had the store the previous year. Payment Deadline Round 2 payment deadline is June 17th. September 10 - Certification Deadline Agent must have completed Medicare certifications for AHIP and at least two carriers who offer Medicare Advantage policies in the area. October 7 to December 13 - Agent Present in the Store Agent must be in store three days per week for a total of 20 hours per week. This can be divided between multiple agents. Only via NAAIP - Every 5 Medicare sales gets you 1,000 free mailers! Your site {$link_url} should be on a domain name that you own! Talk to me and we will get this done. Thank you for giving me the opportunity to help you earn more money.
  5. 1. The Favicon is now able to be changed. As default the favicon is your profile image. If you have the naaip logo there.. that is what is will be. If you upload your personal image, then that will be your Favocon. As well, you can upload something else.
  6. https://www.enomcentral.com - For step 1. here is the instructions in their help section. keep in mind to put my companies IP address of 23.111.70.25 Host Records are displayed in the following format: Host Name Record Type Address www A (Address) 23.111.70.25 @ A (Address) 23.111.70.25 * A (Address) 23.111.70.25 There are three standard Host Names that you should configure for your main website: www: Points www.example.com to the Address specified. @ (none): Points the domain with no www. (e.g., if you typed example.com instead of www.example.com). This is also known as the "naked" domain or "blank" record. * (all others): Points [anything].example.com to the address specified (e.g., uuu.domain.com or website.domain.com).
  7. Hello {$name}, The Following is the Latest News: I have spent over 1,000 hours on YouTube watching other recruiters/trainers spout off their special knowledge about insurance sales. I, personally, have 20 years in this industry. Right from the start at the very top earnings level. Face to Face & Over-the-Phone for multiple product lines. I have spoken to thousands of agents over the past few years as NAAIP has become a powerful force. Offering free technology and highest commissions. My conference call is 6 days per week. A lot of talking and listening. I respectfully request that you: Ask me a question, give me a topic that you want a detailed video explanation. Subscribe to my YouTube Channel - then click "The Bell" to be alerted to new videos. Like & Comment on individual videos. I get alerted to every comment on my NAAIP Channel. Ask the question in the comment section of my YouTube video. A few weeks ago, I bought a better microphone. You will notice that the audio sounds better on the recent videos. Very soon, I will buying video equipment - My fans will be able to see that I am reasonably handsome. lol. Every so often, I will be "Live-Streaming" our daily conference call. Those that Subscribe and be Alerted will be notified by email whenever live-streaming occurs. A few recent YouTube videos. How to Move Your NAAIP Site up Google Two Most Important Factors in Phone Selling/Appointment Setting Using a Free Will to Help You Sell Insurance Selling Final Expense over the Phone - Amazing Phone Script Your site {$link_url} should be on a domain name that you own! Talk to me and we will get this done. Thank you for giving me the opportunity to help you earn more money. Sincerely, David Gordon tel:(800)770-0492 direct & sms: (561)440-9245 (I Love Text Messages) www.naaip.org eContracting Portal eContracting SuranceBay Link Compensation Grid All (except annuities) - a few carriers are listed exclusively in our password protected back office. Compensation Grid Annuities Contracting Summary iPipeline iGo Term & UL Quotes/Submission (drop ticket is easiest) iPipeline Home - submit Life, Ci, Di, Acc, LTC & Annuities iPipeline Forms Search iPipeline Product Information iPipeline Underwriting Search Guaranteed Highest Compensation on Over 100 Carriers Home of The 125 FEX Club,The 123 Term Life Club & The IUL Club Free leads if contracted with: Dozens of Life, FEX, Annuity, LTCi, CI, DI & Medicare Carriers NAAIP Members Nationwide: 9,739 Conference Call: Weekdays Noon & Sundays 2pm ET Dial 1(888)532-9320 casedesign@naaip.org: Illustrations/Expert advice for all situations. Don't be shy. We are here to serve you. Give every detail of your prospect. You will get expert advice as to which product to sell. www.naaip.org/oxford-life is NAAIP's greatest deal. Lowest non-smoker FEX rates - POS. Register for AgentXcelerator - This gives you access to a 100% accurate Medicare supplement, Medicare Advantage & Part D Quote quote engine. To whitelist NAAIP's email. Add david@naaip.org to your contact list by emailing back. Say "Hello."
  8. 1and1 is the one domain registration where we have had difficulty getting the hosting right. Here are some of the fixes to the issues. 1. 1and1 needs 2 A Records that has naaip's IP address of 23.111.70.25. One of the A records will have @ and the other will have www. - which is there already. Just input the IP of 23.111.70.25 in the proper place. 2. Remove the AAAA Record - Delete it. ... example yourdomain.com AAAA 3599 2607:f1c0:100f:f000::26b www.yourdomain.com AAAA 3599 2607:f1c0:100f:f000::26b 3. You can verify your A record and AAAA Record at https://www.whatsmydns.net/?utm_source=whatsmydns.com&utm_medium=redirect
  9. Global Atlantic - Worldwide Assets Considered – Program is designed for “High Net Worth” foreign nationals, so we require a $2 million net worth. However, the assets are not required to be in the U.S. Will consider assets anywhere in the world to meet this requirement and to justify the amount of insurance coverage sought. Translated Materials – Purchasing a policy in a second language can be challenging. We have translated certain marketing materials to Chinese and Spanish. Limited Power of Attorney (LPOA) – Makes it easy for clients who need to return to their home country before the policy is issued. An LPOA form is available to facilitate delivery of the policy in the event the foreign national is no longer in the U.S.
  10. You see on our www.naaip.org/buy-domain we are showing exactly how to host for GoDaddy. For other services including NameSilo two A records are needed. Here is what NameSilo should look like in DNS. Existing Resource Records Listed below are the existing resource records for madisonlanegroup.com. You can modify or delete each record using the associated icons listed to the right of the record. HOSTNAME TYPE ADDRESS / VALUE DISTANCE/PRIO TTL SERVICE EDIT DELETE A 23.111.70.25 NA 3603* 3rd-party www A 23.111.70.25 NA 3603* 3rd-party
  11. Are you struggling to successfully sell insurance? Would you like to figure out how to fix your challenges? If so, keep reading as I’m offering a limited-time opportunity to consult with me. In the interest of creating new and helpful content, where I consult with agents like you who want answers to your struggles in selling insurance. Here’s how it works: Respond here expressing your interest in a 30-minute consultation with me personally. We’ll spend 30 minutes discussing your challenges, and come up with actionable ideas on how to fix your problems. Anything you want to discuss is fine! Appointment setting, door knocking, presentation skills, handling objections, carrier questions, etc. My goal is for you to have a strategy you can put into action immediately that will increase your success in selling insurance. It doesn’t matter what you sell. Final expense, annuities, mortgage protection, Medicare Supplements, etc. No matter what you sell, I’ll be happy to help. Lastly, this is not a hidden recruiting scheme. Only free training. 😃 Here’s what to do next: I will reach out to 5 of you to schedule a call over the next week to two weeks. I may end up doing more consults long-term if reception for this type of training is strong. PS: Want a free training consultation with David to help you with any of your insurance sales questions and challenges?
  12. Question: NAAIP - Please tell what to sell. Male, non-smoker, 36 years of age 5’ 8” 210# No meds, no health conditions DWI 4/14 and two DWIs in 2010 What company at what rate class should I use for $300K of 20 year term? Answer: had our underwriter work on it. Here is where we are currently: Prudential: possible Table F Columbus Life: declined Principal: declined Nationwide: declined Protective: declined AIG Life: declined Minnesota Life: declined Mutual Omaha: declined Here is some other feedback: 1. Client must wait 10 years if he admits to currently drinking 2. Client can apply with the carriers on attached when it’s been 5 years AND states that he is not currently drinking 3. Client can apply for a simplified issue product Please let us know if you have any questions.
  13. If you use the e-app on the Allianz website, it’s non-med up to 1.5 mil. Attached please find the info. Ameritas, ANICO, Columbus Life, AIG and several others are also non-med up to certain amounts…. https://www.naaip.org/allianz-life https://www.naaip.org/allianz-life-accelerated-underwriting-1.pdf
  14. Aetna(MAPD only) and United Healthcare require e and o but they do not need the proof of policy document. They only need the policy information included and when agents complete the contracting it asks for that info. The various supplement carriers dont require e and o. Humana always required the proof of EFT to contract. United Healthcare does not process EFT until after they contract and certify so they could just put in any routing number with any information and it won’t be an issue. agent can go into the UHC portal and enter their EFT info in their profile section later.
  15. Hello {$name}, Subject Line: I Really Need Your Help - Exciting NAAIP News The bullet points: If you are in the Medicare selling biz the following is why you should switch your upline to NAAIP: Highest CMS allowed compensation on Advantage. It is easy to change upline for Medicare Adv - it mostly involves sending a simple email to the carrier and waiting 90 days. Tell me which carrier you need. If you desire to have a sales booth at Walmart - tell me - You must reserve early. I continue to add interesting links at the footer of www.naaip.org and its sub-pages. New link. NAAIP's footer is a must-see for any agent. PDF Long Term Care Insurance Facts - 5 pages I have become an expert at generating leads - I am here to help you. https://www.naaip.org/lead-services - Weekly workshops/seminars is a great technique. Talk to me. Last months newsletter espousing text messaging was a success. I truly thank agents for cooperating by texting me at 1-561-440-9245. Anna Shapiro, our chief programmer, (Anna's LinkedIn) did a great job in making your website upload at .6 of a second. Super fast. Anna deserves a huge "thank you." Show your appreciation at LinkedIn. Sample IUL illustrations - https://www.naaip.org/allianz-life - You see why licensed agents need to sell this product. Age 31 female pays 1,200/year till age 65 and gets $12,738 per year lifetime income at age 65 and 150K of life insurance. The alternative is to sell the 31 year old a 150K universal life policy for $700/year. IUL's are so sell-able. More information here - https://www.naaip.org/iul-information NAAIP will soon be offering health insurer contracts at great commissions. Stay tuned. Talk to me if that is your niche. I need agents to use NAAIP as their Upline/FMO/IMO. We have great technology and really do have the best contracts/service in the industry. I need you to show your appreciation. Please sell via NAAIP. I need your help! casedesign@naaip.org: Illustrations/Expert advice for all situations. Don't be shy. We are here to serve you. Give every detail of your prospect. You will get expert advice as to which product to sell. www.naaip.org/oxford-life is NAAIP's sweetheart deal. Learn and sell this great FEX & MYGA annuity product. Recruiter level compensation - 125% for FEX. Your site {$link_url} should be on a domain name that you own! - If you don't feel like following the 3 minute video above, send me your GoDaddy (or other registration company) user name and pw. I will do it for you. YouTube explanation to change IP Address to NAAIP's in your DNS YouTube explanation to move Your Website up in Google Thank you for giving me the opportunity to help you earn more money. Sincerely, David Gordon tel:(800)770-0492 direct & sms: (561)440-9245 www.naaip.org eContracting Portal eContracting SuranceBay Link Contracting Summary iPipeline iGo Term & UL Quotes/Submission (5754) iPipeline Home - submit Life, Ci, Di, Acc, LTC & Annuities iPipeline Forms Search iPipeline Product Information iPipeline Underwriting Search Guaranteed Highest Compensation on Over 100 Carriers Home of The 125 FEX Club,The 123 Term Life Club & The IUL Club Free leads if contracted with: Dozens of Life, FEX, Annuity, LTCi, CI, DI & Medicare Carriers NAAIP Members Nationwide: 9,565 Conference Call: Weekdays Noon & Sundays 2pm ET Dial 1(888)532-9320 Register for AgentXcelerator - This gives you access to a 100% accurate Medicare supplement, Medicare Advantage & Part D Quote quote engine. To whitelist NAAIP's email. Add david@naaip.org to your contact list by emailing back. Say "Hello."
  16. May Webinars Great Western Insurance Company would like to invite you to join us on the presentation topics below to find out more about how to increase your sales and do business with Great Western’s Final Expense Insurance. Product details, sales and marketing tools, administrative processes, and MyEnroller, our e-app and quoting engine, will be discussed throughout the webinars. Please join in on one of the upcoming webinars this next month to learn more about the improved services and enhanced tools Great Western Insurance Company will be offering. May 2, 2019, at 10:00 AM CST - Great Western's Final Expense 101 May 7, 2019, at 2:00 PM CST - E-App Demo May 16, 2019, at 10:00 AM CST - Great Western's Final Expense 101 May 21, 2019, at 2:00 PM CST - E-App Demo May 30, 2019, at 10:00 AM CST - Great Western's Final Expense 101 To register for any of these webinars, please click on the links above. After registering, you will receive a confirmation email containing information about joining the webinar. February, 2019 Webinars https://www.naaip.org/great-western-life-agents Great Western would like to extend our past Webinars through the month of February. If you haven't had a chance to check out our New e-App or see What's New, here is your chance. Please join in on one of the upcoming webinars this month to learn more about the improved services and new enhanced tools American Enterprise and Great Western Insurance Company will be offering. February 5, 2019, at 2:00 PM CST - "What's New?" updated February 7, 2019, at 10:00 AM CST - Replacement e-App Demo February 12, 2019, at 2:00 PM CST - "What's New?" updated February 14, 2019, at 10:00 AM CST - Replacement e-App Demo February 19, 2019, at 2:00 PM CST - "What's New?" updated February 21, 2019, at 10:00 AM CST - Replacement e-App Demo February 26, 2019, at 2:00 PM CST - "What's New?" updated February 28, 2019, at 10:00 AM CST - Replacement e-App Demo To register for any of these webinars, please click on the links above. After registering, you will receive a confirmation email containing information about joining the webinar.
  17. Yes both carriers require you to have an active writing number before you can obtain materials and submit business. United Healthcare requires agents to certify before a writing number is issued. They are the only carrier to require certification for Medicare Supplements. The #1 product is very unique it is not like any other because they have a community rating with a 3% per year discount if someone is younger than 77. 36% at 65 then 3% less each year going forward, I screenshotted the explanation from their materials below. After they turn age 77 their rates will not increase unless if the company as a whole takes an increase which is different from the competition with attained age rate schedules going up to age 99. They also allow people to move from plan to plan freely effective the 1st of the next month without going through underwriting.
  18. In 2017, more than 8 trillion texts were sent, according to TextRequest. Ninety-eight percent of text messages are read in less than two minutes, and almost all are read within 24 hours, according to Pew Research. In contrast, the read-rate of email is approximately 20%, and only 14% of phone calls to businesses are answered without being placed on hold. That means clients can reach out to you easily, and conversely that there’s a direct line to your clients.
  19. Hello {$name}, Subject Line: Confessions from NAAIP's Digital Marketing Guru - Interesting Information Confessing or "getting it off one's chest" has great importance in the world's great religions as well as in psychoanalysis. I Love Numbered Bullet Points - Here it goes. 1. I love text messaging (also known as sms) from 561-440-9245. During working hours I am texting from my desktop screen and off-hours from my iPhone X Plus. I use www.dialpad.com phones which rings to my iPhone when I don't pick up at my computer. Dialpad is a great business phone for $15 per month. 2. NAAIP websites were lousy when we first started was the real reason why we never contacted agents so much. If NAAIP contacted the agent there would be a likelihood that the agent would "unsubscribe" from us and the agent would never know when our technology became good. 3. NAAIP wants every agent in America to use our technology. Now that our technology is "real good", NAAIP can make demands but still must be a "great deal" for us to achieve our goal. 4. NAAIP websites will always be free-forever. Modest demands and contacts is the modus operandi. Yet, for sites over 1,000 hits (starting Feb. 1st) who do not sell via NAAIP upline or refer agents that sell through us or pay $19.99/per month charge to hide ads that will appear on the site. Discounts/Scholarships available to agents that contact me. As NAAIP technology gets better and better, I will lower the threshold to less than 1,000 before ads appear. 5. There are 9,437 Registered NAAIP users already and I would like that number to double in the next two years. Obviously, NAAIP has to be an incredibly "good deal" for the agent. 6. YouTube is the next frontier. I will be concentrating on putting interesting videos online. I beg and plead that you subscribe to NAAIP's YouTube channel. 7. LinkedIn is a great SEO/Marketing tool but I am not on LinkedIn because I am addicted to sms/texting. I don't like receiving LinkedIn emails. 8. NAAIP's Senior Programmer, Anna Shapiro Loves LinkedIn. Anna posted that she became a C++ Certified Professional Programmer. Please Friend, Like and Comment on Anna's achievement. She is a great girl. https://www.linkedin.com/feed/update/urn:li:activity:6489467692301508608/ 9. www.naaip.org/oxford-life is NAAIP's sweetheart deal. Please, learn and sell this great FEX, MYGA annuity & SPWL product. Recruiter level compensation - 125% for FEX. Your site: {$link_url} should be on a domain name that you own! - If you don't feel like following the 3 minute video below, send me your GoDaddy (or other registration company) user name and pw. I will do it for you. YouTube explanation to change IP Address to NAAIP's in your DNS YouTube explanation to move Your Website up in Google Thank you for giving me the opportunity to help you earn more money.
  20. As you probably know, NAAIP is attempting to be the the Go-To place for every insurance agent. Progress is being made. 1. The footer of www.naaip.org and its sub-pages has a library of links. If you spend a weekend clicking, reading, registering and understanding. It will be as if you have received a bachelor's degree in insurance selling. Spend the time and effort, it is your livelihood. 2. I am always adding information to the NAAIP footer. This week, 11 PDFs totaling 429 pages were added that are a must read for all licensed agents/financial salespeople. 3. Insurance Leads - NAAIP has a new, improved way to help agents achieve success. www.naaip.org/lead-services - Lots of new information and links. NAAIP members will receive tutelage as to setting up lead generation. Expert advise. YouTube and other lead companies are great tool for example sales pitches. Your Lead Generator Telepro should generate 1.75 leads per hour - There are American companies that will hire the Filipino and charge you between $10 and $12 per lead. Then you would need a higher quality appointment setter that an American company will charge you $16 per appointment and schedule your day via Google Calendar/Contacts - for you to run appointments. Home Based Telemarketer Marketplace - 20,000 Phone Pros Freelancers - Software included Philippines Call Center - Minimum 4 Workers/full time/$8 per hour - Software included Worlds Largest Outsourcing Portal - Twelve Million registered freelancers Leads - FaceBook Leads are Hot in 2019 - Facebook Leads brings Local Clients 4. To expedite the selling process: casedesign@naaip.org: Illustrations/Expert advice for all situations. Don't be shy. We are here to serve you. Give every detail of your prospect. You will get expert advice as to which product to sell. 5. I made a thirteen minute YouTube video that explains exactly how to move your website up Google. Please watch, then implement. An additional video will be made this week that will show you how to change the default video on your NAAIP website. Subscribe to our YouTube channel and Click Alert to be Alerted when I make New Videos. 6. NAAIP increased Font Size system-wide on all websites. It looks better. If this change has not been successfully implemented on your website then edits can be made in Content Management in your Back Office. 7. At Invite a Friend Tab - We included a function in which you can see the status of your invited Agent. Credits will be given to active, referred agents. 8. YouTube explanation to change IP Address to NAAIP's in your DNS. Your site: {$link_url} should be on a domain name that you own! - If you don't feel like following the 3 minute video above, send me your GoDaddy (or other registration company) user name and password. I will do it for you.
  21. Of course, one option is to pay fexquotes 25/month. We have coupon codes. There are other options. Please come to daily conference call at noon ET. We'll discuss. The place to put the html iframe would be in Content management... If you just want the link - you can link it from Pop-Up over header.. Changing the wording.. Even at the bottom of the site under banners and hyperlinks.. making a banner image for that link.... It makes most sense to put in content.. with iframe html code.. so that the quoter shows on your site.. When editing your page - in Content Management - Below content - Click HTML - Place the html code there. Realize that when editing html that there is a beginning tag and an ending tag. Example. bold would be <strong> I am bold </strong> - avoid inserting any sort of code in the middle of other tags/commands.
  22. Hi, I downloaded a quote engine from Fex for final expense. Is there a way that I could place the quoting tool on the header image on site?
  23. Question: Client wants 50K to 100K 20 year term or GUL guaranteed to age 88 She will not take anything less than 50k or anything shorter than 20k. California Female DOB 12-3-1950 Has HBP takes 1 medication to control it. Has Rehumatiod arthritus diagnosed 16 years ago and takes Hydroxychloroquine. Fully functional, exercises regularly. Type 2 diabeties diagnosed 12 years ago, perscribed metformin, and has A1C reading of 5.7. Answer: Good morning Agent. Both Prudential and John Hancock will consider offering standard. However, neither company will offer 50K on term. Their minimum death benefit is 100K and the maximum term available is 15 years. As such, we ran John Hancock’s Protection UL both with and without the Vitality Rider. The death benefit is guaranteed for 24 years and carries to age 120 at 4.95%. The Vitality rider could allow her to save a few bucks and earn points towards rewards such as Caribbean Cruise Lines and Hyatt Hotel stays. Attached please find some program highlights. If you sell the Vitality rider, JH will pay you an additional 10% in compensation. However, if she doesn’t feel like dealing with it, the product looks great without the rider as well. Please let us know if you have any questions or concerns.
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