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Guaranteed Issue Life Insurance delivers protection over
your clients' lifetimes. It remains in effect for as long
as premiums are paid and the policy's face value will never
decrease and the premiums will never increase. And because
this is a permanent insurance plan, clients enjoy the advantage
of cash value buildup. Dividends cannot be guaranteed but
the actual cost of the Senior Protector policy may even decrease
over time.
Sr.
Protector Brochure
Sr. Protector Flyer
Senior Protector from Farmers and Traders Life provides the
choice of $2,000 to $25,000 of protection for persons between
the ages of 50 and 80 (75 in New York and Missouri). Clients
will not have to answer eligibility questions or take a medical
examination.
The full face amount of the policy will be paid if death occurs
after this initial period or at any time if the cause of death
is accidental. Should death occur during the first three years
following the effective date of the policy (two years in NJ,
PA, WV), the death benefit is the full amount of all the premiums
you paid during this period, plus interest. If age 65 or over
at the time of issue, this period is reduced to two years.
A niche tool for the Senior Market because the policy's affordable
premiums are guaranteed never to increase yet the benefits
paid out are guaranteed never to decrease.
Guaranteed Issue Senior Protector issue limits:
- Ages 50 to 80 (75 in New York and Missouri)
- Face amount $2,000 to $25,000
Modified Death Benefit in early policy years:
- Age 50 to 64: 3 year modified DB (2 years in NJ, WV, and
PA)
- Age 65 and over: 2 year modified DB (all states)
Farmers & Traders Life Forms and Materials:
Appointment / Contracting Info
Marketing Materials
Rate Cards & Quotes
- Sr.
Protector Life (20-203) CT, DE, IL, KS, MA, MO, SC
- Sr.
Protector Life II (20-209) New Jersey
- Sr.
Protector Life II (20-209 Pennsylvania
- Sr.
Protector Life III (20-382) West Virginia
- Sr.
Protector Life III (20-320) AL, DC, FL, GA, IN, MD,
ME, MI, NC, NH, NY, OH, OK, RI, TN, VA, VT, WI
Consumer Sr. Protector Applications
All new business applications need to be mailed to the home office. Originals will only be accepted by F&T Life
Farmers & Traders Insurance Co.
960 James Street
P.O. Box 1056
Syracuse, NY 13201-1056
F&T Life Marketing Telephone:
315-471-5656 ext 306 MARGARET OTTER
Guidelines
for New Applications
Van Albanese,
CLU, ChFC
TheUSBroker Representative
phone: 1-877-341-3342 (toll-free)
fax: 1-315-655-4784
valbanese@theusbroker.com
The Guaranteed Issue Senior Life Insurance policy is
underwritten by Farmers and Traders Life Insurance Company
of Syracuse, NY.
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