Top Products
 

 Compare These Features to Your Current SUL

 Issue Age 80 for Preferred, 90 for Standard

 Table Shave Under Age 70- Table 3 = Standard

 1st Yr Comm for Up to 9Yrs or Until Target is Reached

 Premium Financing Available

 Alternate Tobacco Use up to Preferred N/S

 Uninsurable Plus Table 4 Could be Accepted

Product Information:

Product Guide.pdf

Call Today! (800)352-7133

Judi Foster X20 or judi@fsa4life.com

Jessica Smith X11 or jessica@fsa4life.com

 Single Premium Whole Life

 Issue Ages 50-85

 Living Benefit features for Nursing Home & Home Health Care

 No Medical Exams

Two-Tier Underwriting- Standard & Substandard

Product Information:

Product Brochure.pdf

Call Today! (800)352-7133

 Impaired Risk Product up to $250,000

 Graded Death Benefit 10 Year Term & Whole Life,

     PLUS! 100% Death Benefit at the 3rd Year

 Issue Ages 20-75

 No Routine Medical Requirements

 Accept/ Reject Based On Health Questions

 No Lengthy Approval Process

Product Information:

Product Guide.pdf

Company Ad.pdf

Contact Jessica Smith

jessica@fsa4life.com

(800)834-7646 x11

 Guaranteed Destinations, FPDA w/ Income Ben.

 Money Back Guarantee From Day One

 $25K Minimum Face Amount

 Flexible Premium for 4 Years ($1K Min. Additions)

 5% Premium Bonus On ALL Deposit (for all 4 yrs)

 Guaranteed Lifetime Income:

> Choice of Level Ben. of 2% Cost of Living Increase

> Spousal Continuation of Benefit Option

> Based on at least 105% of Premium Growing at 5%

Product Information:

Ad Slick.pdf

Contact Jay Adams

jay@fsa4life.com

(800)352-7133 x27

 
> Our Final Expense Carrier Offers More...

check 10-Pay & Life-time pay options available

check Level or Graded Death Benefit

check Issue Ages: 40-80, 40-75, 40-70*

check Face Amounts: $2500- $40K
check Smoker Rates for Cigarette use within last 12 mos.
*based on payment mode & death benefit
Product Information:

Spec Sheet.pdf

State Approval.pdf

Call Today!

Jessica Smith (800)352-7133 x11 jessica@fsa4life.com

Judi Foster (800)850-5590 judi@fsa4life.com

> If you have clients with Pension or Profit Sharing Plans, we can help.

check Immediate, regular income for life or a specified period

check Continued tax deferral

check Multiple payout choices, with R.O.P. option

check Institutional/group pricing for maximum benefits at an affordable cost
 
Note: Rates indicate a $100,000 deposit with income payments deferred for one month.2 Rates effective 5/4/2009
Product Information:
Spec Sheet.pdf
Call Today! (800)352-7133
Charlie Crews X15 or charlie@fsa4life.com
Jay Adams X27 or jay@fsa4life.com
 
> All The Features You Love to Sell with your Favorite Income Product In a Traditional Fixed Annuity!!!

check Guaranteed Lifetime Income Benefit

check Issue Ages 0-85
check Extended Care Doubler Rider designed to DOUBLE Guaranteed Lifetime Annual Income during a qualifying confinement*
check 8% Commission (5.5% 76-85)
check Optional Increased Death Benefit Rider Available*
*Available for a charge
Product Information:
Product Spec Sheet .pdf

Product Brochure.pdf

For More Contact:
Charlie Crews
(800) 352-7133 x15
charlie@fsa4life.com
Jay Adams
(800) 352-7133 x27

jay@fsa4life.com

 

> 3.80% Yield on MYGA with 4% Commission!

check 4.70% First Year, 3.70% Years 2-10

check Issue Ages 0-85

check $5000 Minimum Deposit

check 10% Available After Year 1
check Nursing Home/ Disability Waiver
check Surrender Charges: 8, 8, 8, 7, 6, 5, 4, 3, 2, 1%
check 4.00% Commission!!
Product Information:
Spec Sheet.pdf
Call Today! (800)352-7133
Charlie Crews X15 or charlie@fsa4life.com
Jay Adams X27 or jay@fsa4life.com
> Health History Clients? Send Them Our Way!!

DECLINED $250,000

check Graded Death Benefit 10, 20 or 30-Year Term & Whole Life

check Face Amounts Up To $250,000
check Issued Ages 20 to 75
check No Medical Exam, No APS and No Tests
check Accept/Reject Depends on Answers to the Health Questions
check No Lengthy Approval Process
check A.M. Best Rated A- ("Excellent")1

Product Information:

Product Spec Sheet .pdf >
For More Contact Jessica or Judy:
Jessica Smith
(800) 352-7133 x11
jessica@fsa4life.com
For More Contact:
Judi Foster
(800) 850-5590

judi@fsa4life.com

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Destination Income 15

 15% Bonus applied to the GLIAV!

 NO SPREAD on the GLIAV Guar. for 5 years!

 6.5% Comp Ages 0-75! 5% Comp Ages 76-85!

Product Information:

Product Details.pdf

State Approvals.pdf

 

Call Today! (800)352-7133

Jay Adams X27 or jay@fsa4life.com

 Final Expense Whole Life-Premiums Guar 4 Life

 Simplified App w/ Point of Sale Phone Interview

 No APS, Exam or Blood- 3 Day Turn Around

 Smoker Rates for Cigarette Users Only

 Our Rates Can't Be Beat-

   Sample: M/65 N/S-$10K IS $53.28/mo.

Product Information:

Product Guide.pdf

Call Today! (800)352-7133

Judi Foster X20 or judi@fsa4life.com

Jessica Smith X11 or jessica@fsa4life.com

 
> Access 3% Immediate credit via cash or debit card and a 5% bonus accumulation!

8% commission ages 0-75

6 Interest crediting strategies

Special Enhanced Income Option (SELI)

Product Information:
Premier 8 Brochure.pdf
Flyer Paper or Plastic.pdf
Call Today! (800)352-7133
Charlie Crews X15 or charlie@fsa4life.com
Jay Adams X27 or jay@fsa4life.com
 
> 25% BONUS Forethought's NEW Income 125

check 7.5% Comm Ages 0-75, 5% Ages 76-85

check 25% Guar. Lifetime Income Bonus!*

check10 year Surrender Charge

check Guaranteed Lifetime Income Account Value of DOUBLE original premium in 10 years! **
*Applied to the Guar. Lifetime Income Account Value.
** Assuming no withdrawals. Not available in all states.
Product Information:

> Income 125 Electronic Sales Kit

Call Today! (800)352-7133
Charlie Crews X15 or charlie@fsa4life.com
Jay Adams X27 or jay@fsa4life.com
 
 
> Client Prospecting - Use Local Attorneys

Divorce Attorneys advise clients that their ex-spouse should be required to purchase life insurance to cover the time during which they are owed child support or alimony.

You can sell their clients a Win-Win situation:

check Male- Age 29- Preferred N/T

check $1.5M- 20 Year- Return of Premium - Waiver of Premium Benefit
check $3385.20- Annual Premium
check 20 Year Total Premium Paid = $67,704
check Total Premium Returned After 20 Years= $67,704
The client fulfills his obligations and receives a refund of the premiums he paid. OR he could elect to use loans to pay the premium after the 10th year and still receive $14,740 returned to him after 20 years. (note: the death benefit is reduced by an amount equal to outstanding loans)

Product Information:

Case Study .pdf >

For More Contact Jessica or Judy:
Jessica Smith
(800) 352-7133 x11
jessica@fsa4life.com
For More Contact:
Judi Foster
(800) 850-5590
judi@fsa4life.com
> Full Commissions on FIA through Age 80!!

check FOUR Index Strategies and a Fixed
Rate Strategy with the ability to
reallocate annually

check SURRENDER CHARGE PERIODS
of 5, 7, or 10 year and charges that
are not greater than 9%
check FULL COMMISSION paid through
age 80 and is only reduced by 20%
for issue ages 81 – 85
check No MVA
check FULL ACOUNT VALUE paid at death
check LIQUIDITY through 10%
withdrawals available in year one;
a Nursing Home, Hospital, and
Custodial Care confinement waiver,
and a Terminal Illness waiver
Sell the Index Annuity That Offers Value and Protection!
All backed up by Reliance Standard’s financial strength and
long-standing history of excellent renewal rates!


Product Information:

Product Spec Sheet .pdf >

For More Call Today! (800) 352-7133
Jay Adams X27 or jay@fsa4life.com
Charlie Crews X15 or charlie@fsa4life.com
 
> Highest Minimum Guarantees in the Industry- With MYG Option

check 3.45% For 7 Years* PLUS 6% Commission!!

check Minimum Guarantee = 100% of Premium Compounded at 3%
check Index Crediting or Fixed Interest Options
check Full Account Value at Death- No Commission Chargebacks
check 10% Available After Year 1
check Nursing Home, Terminal Illness & Unemployment Riders Available
check Ages 0-85
check $10,000 Minimum ($2000 per Option)
* when fixed interest option is chosen
Product Information:

Product Spec Sheet .pdf >

For More Call Today! (800) 352-7133
Jay Adams X27 or jay@fsa4life.com
Charlie Crews X15 or charlie@fsa4life.com