Fidelity10 year graded term

Declined? Obese?Getting Better?How to help your Clients

Fidelity – 10 year graded term

Learn about the carriers atwww.naaleads.com/ carriers

Specialty MarketNegative Medical History more than 2 years Improving HealthMay qualify for Standard Issue in future

Simplified Issue!

Turn your No’s into Yes!

Turn your declines into YESDo you think clients might “forget” to tell

you things about their medical history?Skip the medical underwriting – go Simplified!Quick easy applications – 2-3 pages!Easy to explain

No EXAMS – No TESTING – No Waiting

Graded 2 year term Full Face amount of policy available after

a graded period of 2 years for MedicalLimited liability for company first 2 yearsBenefit steps up to full benefit after 2 years

Accidental Benefit available immediately Accelerated Death Benefit Rider

Based on state availabilityAccelerate up to 50% of Death benefit if

terminally ill

Contracting

Must submit first written business with new agent contracting

All commissions paid as earned 50% of monthly premium first year 2% years 3 through 10