The Guardian Plans

 

Our newest Final Expense product is our Guardian Plan.  We offer competitive premiums and commissions with point of sale underwriting.  This program is available to the broker market as well as the funeral homes that write our other life insurance products. 

 

 

Preferred Issue Whole Life

 

This life insurance plan is available to those who qualify based on health questions between ages 50 and 85.  The plan provides an immediate full death benefit from the first day of coverage with our best premium rate.  This plan also has smoker and non smoker rates.  To qualify for our best premium rate all health questions must be answered no.

 

 

Standard Issue Whole Life

 

This life insurance plan is available to those who qualify based on health questions between ages 50 and 80.  The plan provides an immediate full death benefit from the first day of coverage with an affordable premium.  This plan also has smoker and non smoker rates. 

 

 

Graded Benefit Whole Life

 

A life insurance plan that is available to those with certain health histories between ages 50 and 75.  The death benefit is 30% of the face amount in the first year and 70% in in the second year with the full face amount thereafter.  

 

Youth Builder

 

A modified whole life policy for children between ages 0 and 17 with simplified underwriting.  This provides an immediate full death benefit from the first day of coverage.  Premium is guaranteed for life and when you child reaches the age of 18 the face amount automatically doubles with no additional premium.

Guardian Plan Agent Manual.pdf

  
Cincinnati Equitable Life Youth Builder product brochure
 

Product brochures include description, application and rates, insurance agents who would like more information about marketing these simplified issue, single need products should contact the Cincinnati Equitable Life Marketing Department.  Click contact us from the menu above.

 

 

 
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