|
Visit
Chase Life's Return of Premium - online appointment takes
only 48hrs. All new term applications (including Complete
Term - Chase's ROP) can be submitted online in less than 5
minutes.
Visit
American General (AIG) to get appointed to sell their
Return of Premium. Agent and agency appointment provides agents
the opportunity to sell AIG's wide variety of products and
get compensated at the highest level.
Visit
Lincoln Life PROTerm to get appointed to sell the most
competitive term product available.
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More importantly for Smokers, ROP is an affordable option
to get life insurance. To see the great rates for Smokers
review the comparison chart below and download the various
PDF comparisons that follow below.
Smokers (ROP vs. Term)
| |
Premium
|
|
|
| Age |
Refund Term |
Term |
Diff. |
Cash Value |
IRR* |
| 35 |
$2,880 |
$1,630 |
$1,630 |
$57,600 |
5.40% |
| 45 |
$5,755 |
$3,020 |
$2,735 |
$115,100 |
6.90% |
| 55 |
$11,880 |
$7,765 |
$4,115 |
$237,600 |
9.60% |
*IRR = Internal Rate of Return of Difference in Premiums
It's Tax Free, It's Guaranteed
Download TheUSBroker PDF Comparison Charts of Refund of Premium
Rates for Smokers and Non-Smokers:
1. Refund
of Premium (ROP) vs. Term
2. Refund
of Premium (ROP) vs. Universal Life
Download TheUSBroker PDF Chart on Internal Rate of Return
(IRR):
1. Refund
Term (ROP) vs. Term vs. Universal Life (UL)
Even if you don't have clients who smoke, you owe it to your
clients to review their current term insurance. Many clients
have found it helpful to check if they can lower their costs
of insurance in the future by purchasing a lower cost current
product. Today's low guaranteed rates can be locked-in for
10, 20 or even 30 years. Of course there can be many other
reasons besides cost to check your clients' coverage. If you
need help CALL US ( 1- 877-341-3342 toll free)
we can help you survey top companies in less than five minutes
for your clients.
Also don't forget in your clients' review to address the
advantages of Refund of Premium Term. Some clients would prefer
to pay a little more for their term insurance if they could
get all their premiums back. For example, a "Return of
Premium" product with a $1,500 annual premium for 20
years will provide a lump sum payment of $30,000 (20 X $1,500)
at the end of 20 years. The net cost for the coverage is zero!
Of course, the face amount of this policy will depend on age,
coverage period, health history, etc. We can review these
factors with you and then you can provide your clients with
the best coverage available.
Van Albanese, CLU, ChFC
TheUSBroker Representative
phone: 1- 877-341-3342 toll free
fax: 1- 315-655 -4784
e-mail: valbanese@theusbroker.com
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CLICK
HERE for AIG ROPTerm®
forms
CLICK
HERE for Lincoln PROTerm®
forms
CLICK
HERE for Chase Life forms
or Download the forms directly below:
For Agent Use Only, Not for General Public
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