Presented By: Rick Stolz, President, Since 1980 770-662-8510 Local 800-533-5969 Toll Free...
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Diversified Ins. Brokers Presents Commit To Quit!! Presented By: Rick Stolz, President, Since 1980 770-662-8510 Local 800-533-5969 Toll Free 770-662-0516 Fax Instrumental in the design and creation of this unique product being brought to market!!!
Presented By: Rick Stolz, President, Since 1980 770-662-8510 Local 800-533-5969 Toll Free 770-662-0516 Fax Instrumental in the design and creation of
Presented By: Rick Stolz, President, Since 1980 770-662-8510
Local 800-533-5969 Toll Free 770-662-0516 Fax Instrumental in the
design and creation of this unique product being brought to
market!!!
Slide 3
New ERA For Cigarette Smokers!!! New Non Smoker Term Rates
Unique 1 st to market
Slide 4
Sentry Life Insurance Company Approved States Commit To Quit
Product Overview Application Process Contracting & Commissions
Opportunities Questions Contact
Slide 5
Established: 1958 A+ rating Licensed to do business in 49
states Assets*: $5.3 billion Surplus*: $271 million Annual
Premiums*: $558 million * As of 12/31/2014
Slide 6
Future filings CA, CT, DC, DE, FL, MT, ND, SD
Slide 7
Decreasing term product - marketed to smokers This is a slow
decrease as apposed to past plans whose premiums would double
Slide 8
Decreasing term product Offers the ability to lock in current
death benefit Upon proof of smoking cessation benefit locks in at
that time
Slide 9
Decreasing term product Offers the ability to levelize death
benefit Three level premium options 15, 20, or 30 year level Issue
Ages 18 to 50 Convertible for the first 5 policy years
Slide 10
Decreasing term product Offers the ability to levelize death
benefit Three level premium options Competitive premiums Riders
Accelerated Death Benefit - Included Accidental Death Benefit -
Optional Waiver of Premium - Optional Children's Rider -
Optional
Slide 11
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Slide 13
Male Preferred Smoker Age 40 $500,000 Carrier15 Yr Carrier20
YrCarrier30 YR Sentry Life$1,010.00 Sentry Life$1,275.00Sentry
Life$2,155.00 Transamerica$1,165.00
Transamerica$1,515.00Transamerica$2,515.00 MetLife$1,174.00
SBLI$1,530.00SBLI$2,535.00 Banner Life$1,175.00
MetLife$1,539.00MetLife$2,539.00 SBLI$1,175.00
Banner$1,540.00Banner Life$2,540.00 N American$1,180.00American
Gen.$1,544.00N. American$2,570.00 $1,000,000 Carrier15 Yr Carrier20
YrCarrier30 YR Sentry Life$1,930.00 Sentry Life$2,460.00Sentry
Life$4,230.00 Transamerica$2,220.00
Transamerica$2,860.00Transamerica$4,960.00 SBLI$2,240.00
SBLI$2,890.00SBLI$5,000.00 N American$2,245.00 American
Gen.$2,904.00MetLife$5,009.00 Banner Life$2,250.00 Banner
Life$2,910.00Banner Life$5,010.00 American
Gen.$2,274.00ReliaStar$2,910.00N American$5,035.00
Slide 14
Female Preferred Smoker Age 40 $500,000 Carrier15 Yr Carrier20
YrCarrier30 YR Sentry Life$805.00 Sentry Life$1,000.00Sentry
Life$1,535.00 Minnesota Life$960.00
Transamerica$1,205.00Transamerica$1,790.00 Transamerica$960.00
SBLI$1,215.00SBLI$1,805.00 Assurity$970.00 American
Gen.$1,219.00Banner Life$1,810.00 SBLI$970.00 Banner$1,220.00N
American$1,810.00 American
Gen.$984.00ReliaStar$1,225.00Assurity$1,920.00 $1,000,000 Carrier15
Yr Carrier20 YrCarrier30 YR Sentry Life$1,480.00 Sentry
Life$1,910.00Sentry Life$2,980.00 Transamerica$1,710.00
Transamerica$2,270.00Transamerica$3,470.00 N American$1,725.00
SBLI$2,290.00SBLI$3,500.00 Banner$1,730.00 N American$2,295.00N
American$3,505.00 SBLI$1,730.00 Banner$2,300.00Banner Life$3,510.00
Minnesota$1,755.00American Gen.$2,334.00American Gen.$3,554.00
Slide 15
Drop Ticket Request Required State Forms will be generated
Generates a Temporary Number Identifier before a policy number Call
center contacts the Proposed Insured Client voice signs Exam is
scheduled
Slide 16
Contracting paperwork can be submitted with first application
Exception is Pennsylvania requires prior approval Agent level
commissions no production requirement 80% 30yr 75% 20yr 70% 15yr GA
Contracts available 85%, 90%, with production requirements Higher
Commission Levels above 90% require prior approval
Slide 17
In 2013, an estimated 17.8% (42.1 million) U.S. adults were
current cigarette smokers. Of these, 76.9% (32.4 million) smoked
every day, and 23.1% (9.7 million) smoked some days 20.5% are males
15.3% are females 20.1% are between the ages of 25 44 19.9% are
between the ages of 45 64 19.4% are Whites 18.3% are Blacks 12.1%
are Hispanics 26.8% are Multiple Races * Content source: Office on
Smoking and Health, National Center for Chronic Disease Prevention
and Health Promotion, Centers for Disease Control and
Prevention
Slide 18
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Fully Underwritten Life - Impaired Risk Life Diabetic, HT/WT,
Cancer, Heart Simplified Issue Whole Life up to A89, Yes/No
application, Single Premium option, Cancer after 1yr, Lupus and
many more Senior Market Products Final Expense Life, Medicare
Supplement Annuities Single Premium immediate and deferred
Disability Long Term and Short Term Blue and White Collar Travel
Medical Individuals and Groups to and from U.S.A., Citizens and Non
Citizens, Senior Market Short Term Medical Long Term Care