INDIVIDUAL LIFE
Life insurance can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living.
There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:
Nationwide Hartford Symetra
Term Life
Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period, usually 5 to 20 years. Other policy life periods are available, including 1 year annual renewable term.
Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.
Term Life Insurance remains in force for as long as premiums are current, provided there are no misrepresentations on the application. The insurance coverage terminates if you discontinue your premium payments.
Universal Life
Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments - i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part. The stated interest on the investment portion changes along with movement in interest rates; moves in 1/4 % interest steps are typical as banks and other financial institutions make similar moves.
Whole Life
Whole Life Insurance provides permanent protection for the whole of life - from the date of policy issue to the date of the insured's death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child's education, or cash surrender value if the policy is ever cancelled.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.
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NATIONWIDE FINANCIAL: CA, GA, VA
Life, Annuity, Variable
Producer Code 54792_Financial Entity, FE=54183
Rob Kinford 1-877-223-0795 X 50390
Kirk Stalter 1-877-223-0795 X91817
Xuan Hoang: hoangx@nationwide.com
xh3060nw_1st8145
www.nationwidefinancial.com
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HARTFORD INVESTOR: CA, TX, GA
Life, Annuity, Variable
ABU4388000 (Fixed Life), ABU4390000 (Variable), ABX2521000 (Term Life)
Fill out Hartford Short Form (4-5 pages), fax it to Fax: 1-651-738-5625, Done!
www.hartfordinvestor.com
Var. Products: 1-877-454-4777, Fixed Annuity: 1-800-523-7798
Term, Universal, Whole: 1800-800-2738, Fax: 651-738-5625
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SYMETRA INVESTOR: CA, TX, GA
Life, Annuity, Variable
0415997201
www.symetra.com
Fixed Life, Annuity: 1-800-796-3872
Variable Products: 1-800-469-7667
Morgage Loan: 1-425-256-8602
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OHIO Life, Annuity:
Broker Dealer
www.ohionational.com
1-513-794-6100
202470
10586
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METLIFE Investors
Life, Annuity
www.metlifeinvestors.com
Code: 16V6611
Phone: 888-879-2682
Broker: 888-653-8325
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BLUE-CROSS OF CALIFORNIA
Individual, Small Group, Health Dental Vision
C1:SS, C2:HCKKQJQPVC Health, Dental, Vision
Get Forms, Signed, fax to BC of CA
www.bluecrossca.com
HCKKQJQPVC
Phone: 1-800-678-4466
Cancellation Fax: 1-805-713-8845
Fax: 1-805-480-8185
TONIK: phone: 1-866-333-4820
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BLUE-SHIELD OF CALIFORNIA:
Individual, Small Group, Health Dental Vision
Get Forms, Signed, fax to BS of CA
www.blueshieldca.com
Phone: 1-800-559-5905, Fax: 1-800-369-8010
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BC/BS OF TEXAS:
Individual, Small Group, Health Dental Vision
Get Forms, Signed, fax to BCBS of TX
xh3060@yahoo.com
www.bcbstx.com
000018877
1-800-531-4457
Phone: 1-800-521-2227, 1-888-706-0583 (Helpdesk), Houston: 1-800-235-0796
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BC/BS OF GEORGIA:
Individual, Small Group, Health Dental Vision
Get Forms, Signed, fax to BCBS of GA
www.bcbsga.com
Individual code: 16738
Other policies using code: 746149
Web support: 1-866-292-6253, Broker support: 1-800-770-6226 1-404-842-8711
Training: Lori: 1-404-923-3146
Fax modified application to: 1-404-842-8040 ATTN: Membership
Fax new application to: 1-404-682-3237 ATTN: New Application
Commission phone: 1-404-842-8723
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UNITED HEALTHcare:
Individual, Small Group, Health Dental Vision
www.unitedeservices.com
P161184
Website support: 1-866-336-9369
California: 1-800-947-1672
Texas: 1-860-702-6814
Georgia: 1-860-702-6734
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United AMERICAN INSURANCE:
Long-Term-care, Senior Products
www.uageneralagency.com/office/default.htm
Code A63772
Customer Service: 1-800-925-7355
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KAISER PERMANENTE: (California and Georgia)
Rarely used
Health Care Services, Individual and small group
Code 14076
In California: 100.00 new/50.00 renew; 14.67/month/group
Customer Service: 1-800-789-4661 opt 6; Fax Application to 1-866-816-5139
Member Service: 1-800-464-4000
In Georgia: 11% Regardless
Broker Support;1-404-364-7018 ; Fax Application to 1-877-255-4501
Member Support: 1-404-364-7001
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AETNA (California, Texas, Georgia, Arizona)
Rarely used
Individual, smal/medium/large groups
Code: in all Writing: 7987532
Producer world
Training
Agency code: AHCPAGENCY
U-ID: xhss4_PW:ss6
Commission
Phone: 877-228-8773
Fax: 972-915-3288
Tech Support: 1-800-225-3375
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WARNER (CA) More Health Carrier
System quote
www.warnerpacific.com