No portfolio is complete without an Annuity Alternative. Take a look at TheUSBroker's exciting new product. Farmers and Traders Life Insurance Company agent's commission on Flagship Life I is 55% and the SPUA rider is 2.5%. The General Agent will pay 6% of the overall total commission to the writing agent. See product information below or read our current newsletter on how to sell the Voyager from Arnie Pechler, current V.P. of Farmers and Traders Insurance Company, Syracuse NY.

Farmers and Traders Flagship Life I and Flagship Life II Voyager

new browser 1pg Adobe guides: Life I & Life II

Underwriting Guidelines for F&T Voyager

Highlights

Ø Guaranteed Cash Values/Guaranteed Death Benefit, future premiums paid through Paid Up Additions Rider
Ø Income tax free Death Benefit*
Ø Renewals paid on base premium for 10 years
Ø Find out how easy it is to qualify for conference in Hawaii
Ø APS required for ages 50-75

*under current tax laws

Farmers and Traders Life Insurance Company is currently offering the Flagship Life I and Flagship Life II products that provides income tax-deferred growth and income tax free death benefit. The following brief overview will assist you in determining if the concept might be right for your client.

Flagship I & II Voyager Illustrations
new browser 1pg Adobe illustrations: $100,000 Male/Female 25 Year Death Benefit & Cash Values for F&T Voyager

new browser 1pg Adobe illustrations: $100,000 Female Voyager Illustration

$100,000 Deposit
Age 65 Female

* Assumes 50% Tax Rate at Death (State and Federal)

For More Information
Call Deborah Seymour:
1-800-347-0960 ext 230 (EST) or
Bill Kingsley:
315-317-6267

What is this concept?

An Annuity Alternative, at times referred to a Modified Endowment Contract "MEC", is a life insurance contract that pays an income tax-free death benefit to your clients and accumulates income tax-deferred as long as your client does not withdraw the funds.

Is an Annuity Alternative right for your client?

The Annuity Alternative (or MEC) is a concept you should consider if your client has a lump sum of investment funds, that they are not using for everyday living expenses. The Annuity Alternative concept may be especially appropriate if your client intends on to their children or grandchildren as beneficiaries of their estate. Funds invested in an annuity will not pass to your client's beneficiary's income tax-free. The Annuity Alternative concept is funded by a life insurance contract, therefore a death benefit will pass to your client's beneficiary's income tax-free*.

Is my client required to pass a Life Insurance Physical to qualify?

Yes. Your prospect must be insurable. An APS will be required for ages 50-75. However, when included at initial policy issue, the PUA Rider face amount is not included for Underwriting Requirement limits.

Does your client really need more life insurance?

Life insurance has typically been used to protect family needs. An Annuity Alternative is designed to meet the needs of wealth transfer between generations. You should give serious consideration to making sure as much of your clients accumulated estate passes to your clients beneficiaries income tax-free as is possible. An Annuity Alternative is an ideal concept to promote tax-efficient wealth transfer between generations within your client's family.

*based on current tax laws

Annuity Alternative Condensed Info

State Approvals

Flagship Life I & Flagship Life II (policy form 9001)

For additional carriers with MECs see: MEC Comparison

USBroker Farmer and Traders representative
Deborah Seymour
1-800-347-0960 ext 230 (EST)
fax: 1-315-471-3912
dseymour@theusbroker.com

FLAGSHIP LIFE II - Participating Whole Life* (Q&A)

Q. What is the SPUA Rider and how does it function?
A. The Single Paid Up Additions Rider (SPUA) Rider is a whole-life rider which increases the death benefit of the base policy. It provides a traditional death benefit and guaranteed cash values, with an adjustable loan interest rate. While dividends are paid as in a traditional product, they are not guaranteed.

Q. Are there any guarantees with this policy?
A. Our Flagship Life II product offers:

• Guaranteed Cash Values
• Guaranteed Loan Values
• Guaranteed Death Benefit to age 100

Q. What ratios of the net deposit do I use to meet the Voyager objective for the Base policy & the SPUA Rider?
A. Use 8.5% of the net deposit for the Base premium and 91.5% of the net deposit for the SPUA Rider.

Q. Are dividends taxable to the client?**
A. No, not when the dividends are being used to pay the premium. Yes, when the dividends are received in cash.

Q. What are the Underwriting Requirements?
A. Your prospect must be insurable. An Attending Physician's Statement (APS) will be required for ages 50-75. The underwriting requirements are determined by the face amount of the base policy only.

Q. Are renewals paid on the base policy premium?
A. Yes, renewals are paid on the base policy premium to the 10th policy anniversary. Service fees may be payable thereafter.

*Underwritten by Farmers and Traders Life Insurance Company, Syracuse, NY, Flagship I and II, Policy Form No. 9001; SPUA, Policy Form No. 13-806

** Based on current tax laws.

If you would like more information and to receive a "Starter Kit", register online today and you will receive an email immediately on how to get started.

USBroker Farmer and Traders representative
Deborah Seymour
1-800-347-0960 ext 230 (EST)
fax: 1-315-471-3912
dseymour@theusbroker.com

product forms and information listed below -
For ALL F&T Product Downloads- (new browser Adobe docs)

F&T Broker Contract Application (required)
F&T Privacy Agreement (required)
F&T Release Agreement (required)

Voyager Life Insurance Application (required for life app)
Voyager Electronic Funds Transfer of Premium Application (required for life app)
Voyager NAIC Model Illustration Disclaimer (required for life app)
Voyager NY Replacement Form (required for life app)
Voyager Annuity Replacement Disclosure Form (required for life app)
Voyager AIDS (HIV) Testing and Authorization to Test Form (required for life app)

F&T Privacy Policy
F&T Underwriting Guidelines
F&T How to Get Paid
Flagship Voyager Life I & Life II Reference Sheets
Voyager 1 Page Product Overview

•$100,000_Female Voyager Illustration
•$100,000 Male/Female 25 Year Death Benefit & Cash Values for F&T Voyager

Annuity Alternative (MEC) Comparison page - see other companies MEC products

Guide "What is an Annuity Alternative (MEC) and How to Sell It"

Newsletter "Expanded Inheritance: Annuity Alternative" &
"Sr Wealth Transfer"