The future of online term insurance is here today. Quality term life insurance with a fast, hassle-free buying process that's customer-friendly. Customers can get up to $250,000* in coverage in as little as 15 minutes, with no medical exam - just a few health questions - and no lengthy underwriting delays.

• Same-day coverage - from quote to application to issue in about 15 minutes.

• No medical exam - applicants answer just a few health questions.

• Completely paperless application and electronic signature capabilities.

* $200,000 in ME and MN

Sales can be conducted face-to-face or over the phone with the professional guidance of a licensed agent. Either way, RBC ExpressTERM is solid, dependable protection delivered with speed, convenience and intelligence - agents only need a computer with an Internet connection.

RBC ExpressTERM increases customer satisfaction and build brand preference by providing convenient application process, instant coverage decisions, and real-time policy issues.

RBC ExpressTERM offers immediate coverage to qualified applicants and an easy application with just seven health questions. RBC ExpressTERM is less expensive than many other simplified issue products and not much more expensive than the fully underwritten products that can take months to obtain. And the rate is guaranteed for the initial term at time of issue, unlike fully underwritten term quotes, which are often re-rated to higher levels.

Highlights:

• Premium rate is guaranted for the full initial term at time of issue.

• Immediate coverage to qualified applicants - no waiting.

• Easy application takes as little as 15 minutes.

• 10, 15, 20 and 30 year terms.

• Affordable rates.

• Coverage from $25,000 to $250,000 ($200,000 in MA and MN).

• Convenient monthly, quarterly, semi-annual or annual payments.

• Client's choice: paper or online documents (online accounts have easy secure online access to all policy documents).

• Easy payment options - credit card (where available) or EFT.

• No annual policy fees.

• Renewable at end of term.

• 31-Day Free Look Period

• Premiums Do NOT Increase

• Benefits Do NOT Decrease

• Optional Children's Insurance Rider

• Optional Accidental Death Insurance Rider

Call Bill Zywiciel, our RBC expert, to find out more information regarding RBC ExpressTERM and get starting selling this product immediately.

RBC ExpressTERM Agent Contract Appointment
- complete & fax with insurance license to: 636-720-2267

AIG & ExpressTERM Rate Comparison

RBC ExpressTERM Overview
RBC ExpressTERM Term Rates
RBC ExpressTERM Underwriting Guide
RBC Financial Ratings & Company Overview

RBC ExpressTERM marketing materials (fliers & brochures) are available once the agent is appointed.

EZ Broker Contract Appointment - electronic appointment
EZ Insurance Ticket - submit new applications fast & easy

Bill Zywiciel , CLF, CMFC, LUTCF, CLTC
TheUSBroker Representative
phone: 1-877-341-3342 (toll-free)
fax: 1-315-655-4784
bzywiciel@theusbroker.com

For Agent Use Only, Not for General Public