Detailed Product Specifications

*Exclusions, Exceptions, and Limitations: We will not pay benefits for any room and board, care, treatment, services, equipment, or other items for care or services: 1) provided by the Insured’s Immediate Family unless he or she is a regular employee of an organization which is providing the treatment, service or care; and the organization receives the payment for the treatment, service or care; 2) for which no charge is normally made in the absence of insurance; 3) provided outside the United States of America, except as described in the International Benefit; 4) that result from an attempt at suicide (while sane or insane) or an intentionally self-inflicted injury; 5) provided in a government facility (unless otherwise required by law); 6) for which benefits are available under Medicare (including amounts that would be reimbursable but for the application of a deductible or coinsurance amount) or other governmental program (except Medicaid), any state or federal workers’ compensation, employer’s liability or occupational disease law, or any motor vehicle no-fault law. No benefits will be paid for services received while the Accelerated Benefit Rider (ABR) for Long-Term Care and the Extended Benefit Rider (EBR) for Long-Term Care are not in force

*Conversion credit is not available if the policy is converted in the first policy year. Conversion is available with a minimum of the first 5 policy years for all level premium periods. For 15, 20, and 30-year level premium periods, policy may convert up to 10 policy years, depending on the insured's issue age.

Traditional Long-Term Care

• Issue ages: 18 – 79 years
• Benefit period: 1 – 6 years
• Monthly benefit amounts available: $1,500 - $15,000
• Elimination period: 0 - 365 days
• Payment duration: lifetime
• Return of premium available
• Tax advantages
• Exam usually required

• Issue ages: 18 – 61 years
• Monthly benefit: up to $5,000 per month
• Elimination period: 0 – 90 days
• Benefit period: 3, 6, 12 or 24 months
• Premium rate is fixed until coverage ends at age 67

• Issue ages: 18 – 61 years
• Monthly benefit: up to $20,000
• Elimination period: 60, 90, 180, or 365 days
• Benefit period: 2 year, 5 year, to age 65 or to age 70
• Guaranteed level premium rates to age 65

The Term Conversion Process

• Complete eligibility form
• Choose new permanent product by signing desired illustration
• Execute conversion form
• Receive policy with no underwriting

Detailed Product Specifications

• Issue ages: 18 - 64 years
• Coverage available: $50,000-$5 million up to age 55; $250,000 minimum for ages 55-80
• Choose 10 or 20 year term coverage period
• Guaranteed, level premium payments for term of coverage
• Expedited underwriting with a dedicated team:
• For coverage amounts under $250,000, the e-application is followed by a telephone interview, as well as MIB, motor vehicle, and prescription database checks
• For coverage amounts of $250,000 - $750,000, the applicant will be required to undergo an exam, but no attending physician statements are required
• For coverage amounts of $750,000 - $5,000,000, regular underwriting will apply, but will be expedited with the e-application process

Simplified Issue

• Issue ages: 55 - 80 years
• Coverage amounts available: $25,000 - $150,000
• Guaranteed coverage to age 120
• Guaranteed minimum interest rate on cash value: 3%
• Builds tax-deferred cash value
• The ability to withdraw 10% of premium paid without a fee each policy year
• The ability to take a loan on cash value at a net 3% interest rate
• Return of premium available

• Issue Ages: 50 -85 (age last birthday)
• Minimum Premium Amount: $15,000
  • Maximum premium amounts available for abbreviated approval decision

  • Ages:	50-59	60-64	65-80	81-85
    Min. Premium Amounts:	$100,000	$175,000	$225,000	$40,000

    (Larger premium amounts available with normal underwriting)
  • Cash value grows income tax-deferred
  • Principal Guarantee: 100% of principal, less withdrawals and loans, is guaranteed upon full surrender [1]
  • Income tax-free death benefit to beneficiaries, under current tax law
  • Waiver of withdrawal charges – for qualifying medical stay: after first contract year, withdrawal charges are waived if the insured or insured’s spouse becomes confined to a qualified institution and is treated by a qualified medical professional for at least 45 days during a continuous 60-day period [2]
  • Access to Contract Values: [3]
    • Ability to take a policy loan on cash value:
      • For the first 10 years of the contract, the policyholder may take a policy loan with a 5% charge and a 3% credit.
      • After 10 years, all loans become preferred with the charge and credit being the same at 3%.
• Withdrawal Charges:

• Years:	1	2	3	4	5	6	7	8+
  Percentage:	4%	4%	4%	4%	3%	3%	2%	0%

  (as a percentage of single payment)

[1] Liberty Life Assurance Company of Boston’s financial strength backs all of its obligations to pay claims under the policies it issues. In addition, Liberty Life Assurance Company of Boston’s ability to pay those claims is backed by a written guarantee from Liberty Mutual Insurance Company.
[2] Withdrawals and loans are subject to tax on any gain in the contract and, if taken before age 59½, may be subject to a 10% federal tax penalty. Loans, if not repaid, and withdrawals will reduce the death benefit and account value. Clients should consult a tax advisor.
[3] This benefit may vary or may not be available in some states.

• Issue ages: 0-85 years
• Coverage amounts available: $50,000 - $10,000,000
• Many payment types: very customizable

• Issue ages: 0 – 85 years
• Coverage amounts available: $25,000 - $10,000,000
• Many payment types: very customizable

• Issue ages: 30 – 75 years
• Coverage amounts available
• Inflation benefit options:
  • 5% Compound Interest
  • 5% Simple Interest
  • 3% Compound Interest
  • 3% Simple Interest
  • None
• Benefit period: 2 – 8 years
• Underwriting classes:
  • Smoker and Non-smoker
  • Single and Married / domestic partnership
  • Simplified Issue, Fluidless Underwriting
• Covered Care Services – specific to each carrier’s product
  • Please call the talk to an expert number in the upper right-hand corner
• Elimination Period – specific to each carrier’s product
  • Please call the talk to an expert number in the upper right-hand corner

• Issue ages: 18 – 60 years
• Coverage amounts: $100,000 and up
• No Medical exam required for up to $500,000 of coverage
• Lengths of term available: 10, 15, 20, 25 and 30 years
• Convertibility: Convertible up to the end of the level term period or prior to the insured’s attained age 70, whichever comes first
• Guaranteed, level premium payments for the term of coverage
• Available riders:
• Accelerated Death Benefit (No Premium Charge)
• Children’s Level Term
• Waiver of Premium
• Accidental Death Benefit
• Please call one of our experts for a complete product specifications guide

• Issue ages: 40 – 79 years
• Minimum base face amount: $50,000
• Maximum base face amount:
  • $500,000 with 2-year LABR (Long-Term Care Acceleration of Benefits Rider)
  • $750,000 with 3-year LABR (Long-Term Care Acceleration of Benefits Rider)
• Inflation benefit options:
  • 5% Compound Interest
  • 3% Compound Interest
  • None
• Long-term care minimum death benefit:
  • 5% of the base face amount, up to $10,000
• Underwriting classes:
  • Simplified issue, Sex-Distinct: Non-tobacco Single, Non-tobacco Couples, Tobacco Single, Tobacco Couples
• LTC benefit options:
  • Initial LTC benefit period options: 2 or 3 years
  • Extension of LTC benefit options: 2 or 4 years
• Elimination Period: 90 days
• Covered Services:
  • Home healthcare
  • Assisted living
  • Nursing home care
  • Adult day care
  • Hospice care
  • Alternative care services
  • Additional Benefits:
    • Bed reservation benefit
    • International benefits
• Expenses are reimbursed up to 100% of monthly maximum benefit for all levels of care
• Return of premium options available
  • Option 1: 80% once all premiums are paid
  • Option 2: 100% once all premiums are paid, according to vesting schedule below

  Vesting Schedule:
  Year 1: 80%	Year 4: 92%
  Year 2: 84%	Year 5: 96%
  Year 3: 88%	Year 6+: 100%

• Issue ages: 40 – 75 years
• Benefit period: 2-7 years
• Minimum base face amount: $50,000
• Payment options: Single pay, 5 years, or 10 years
• Inflation benefit options:
  • 5% Compound Interest
  • 3% Compound Interest
  • None
• Long-term care minimum death benefit:
  • 20% of the base face amount
• Underwriting classes:
  • Simplified issue, Sex-Distinct: Non-tobacco Single, Non-tobacco Couples, Tobacco Single, Tobacco Couples
• Elimination Period: 90 days
• Benefits are cash indemnity
  • Cash Indemnity on this product means benefits are paid up to the maximum monthly amount regardless of the actual cost of care.

Product Highlights

Please note: State variations may apply to all sections in this document.

For full details, see the policy for the relevant state.

Risk Class	Issue Ages	Face Amounts
Standard Nonsmoker and Smoker	21-85	Minimum Face Amount: $50,000 Maximum Face Amount: $5,000,000

Face Amount Breakpoints	Breakpoint 1: $50,000 Breakpoint 2: $100,000 Breakpoint 3: $250,000	Breakpoint 4: $500,000 Breakpoint 5: $1,000,000
Death Benefit Options	Level-Death Benefit Option A Increasing-Death Benefit Option B
Interest Rates	Guaranteed Interest Crediting Rate: 2.00% Current Interest Crediting Rate: Portfolio rate
Surrender Charges	No Surrender Charges
Policy Charges	Premium Based Charges: Percent of Premium Charge	Monthly Deduction: Monthly Policy Charge Monthly Coverage Expense Charge Monthly Cost of Insurance Charge Monthly Rider Charge (if applicable)
Policy Loans	Available at any time after policy issue as long as the policy has loan value
Cash Withdrawals	Available after the first policy year as long as the policy has cash surrender value
1035 Exchange	Allowed, including carryover loans
Policy Changes	Available after the first policy year Face Amount Decreases Face Amount Increases Death Benefit Option Changes
Riders	Chronic and Terminal Care Rider Acceleration of Death Benefit Rider Waiver of Specified Premium Rider

Who is National Life?

Who is Legal & General?

Who Is Ameritas?

Our Mutual Advantage

[4] Ratings as of December 31, 2016. Financial Strength Ratings for Liberty Mutual Insurance entities are current as of the publication date. For latest ratings, or additional information, please visit www.LibertyMutual.com or access the ratings agencies’ websites provided. An ‘A’ (‘Excellent’) rating from A.M. Best (www.ambest.com) is its third-highest Financial Strength Rating.

Who is Securian?

Who is Haven Life?

Who is MetLife?

Who is Pacific Life?*

What is Prime Term?

*Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Pacific Life's Home Office is located in Newport Beach, CA.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Only a life insurance producer who is also a fiduciary is required to advise if the product purchase and any subsequent action taken with regard to the product are in their client’s best interest.

Who is Pacific Life?*

What is PremierCare Advantage?

*Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Pacific Life's Home Office is located in Newport Beach, CA.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Only a life insurance producer who is also a fiduciary is required to advise if the product purchase and any subsequent action taken with regard to the product are in their client’s best interest.

Who is Pacific Life?*

What is PremierCare Advantage?

*Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. Pacific Life's Home Office is located in Newport Beach, CA.

Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products. Only a life insurance producer who is also a fiduciary is required to advise if the product purchase and any subsequent action taken with regard to the product are in their client’s best interest.

Who is Pacific Life?

What is Pacific Discovery Xelerator IUL?

• Is a life insurance policy designed for death benefit protection with competitive long-term cash value accumulation potential after policy year 15. This product illustrates well when funded with large premiums within the policy’s first 7 to 10 years. The PDX offers a simplified issue underwriting for select classes, and can go up to $3 million in coverage with this simplified underwriting process.

Who is John Hancock Financial?

Who is Lincoln Financial?

Who is SBLI (Saving Bank Life Insurance)?

What is Lump Sum Disability Insurance?

What is SI Term Life Insurance?

What is Universal Life Insurance?

What is Term Life Insurance?

What is Term Life Insurance?

• Term life insurance is life insurance that provides death benefit at a fixed cost for a specific period of time, usually 5, 10, 15, 20 or 30 years. Term insurance is the least expensive way to purchase coverage over a specific period of time.

What is Whole Life Insurance?

What is Asset Based LTC?

What is Asset Based Long-Term Care?

What is Long-Term Care Insurance?

What is long-term disability insurance?

What is short-term disability insurance?

What is SBA Term Life Insurance?

• Many SBA lenders require borrowers to have life insurance to serve as collateral for the loans
• We offer an online application process specifically for SBA borrowers
• The application and collateral assignment is completed online, where the bank required collateral assignment paperwork is included in the e-application and is e-signed with the application
• The expedited underwriting process ensures that the purchase of life insurance does not hold up the loan closing process

What is Accidental Death Insurance?

What is SI Term Life Insurance?

What is Single Premium Whole Life?

What is 10 Pay Whole Life?

What is PAUL?

What is Single Premium Universal Life?

What is a Term Conversion?

• Changing your existing coverage to a product that will last your entire life and guarantee a payout
• Policy holders can convert their term policy to a permanent policy without any underwriting, simply completing a conversion form
• Most clients' policies expire without them ever realizing that they had the opportunity to convert
• Term owners can convert all or just a portion of their existing death benefit
• Most people need life insurance and most people want their coverage to last their whole life. The issue in the marketplace is once most insureds decide this it is too late and/or too expensive to find a product
• Many term policies have the ability to convert the existing policy into a permanent product
• Converting to permanent policy guarantees coverage for your entire life, along with having the ability to build savings in the cash value component in a tax-efficient manner
• Converting the policy ensures that you will have coverage, even if your health status has changed

What is Estate Maximizer?

[1] Liberty Life Assurance Company of Boston’s financial strength backs all of its obligations to pay claims under the policies it issues. In addition, Liberty Life Assurance Company of Boston’s ability to pay those claims is backed by a written guarantee from Liberty Mutual Insurance Company.

[2] Withdrawals and loans are subject to tax on any gain in the contract and, if taken before age 59½, may be subject to a 10% federal tax penalty. Loans, if not repaid, and withdrawals will reduce the death benefit and account value. Clients should consult a tax advisor.

Product Disclosure

Liberty Life Assurance Company of Boston, a Liberty Mutual company, issues Liberty Series Estate Maximizer Next Generation, a single payment interest-sensitive whole life insurance contract, on policy forms SPWL-2010157, ICC10-SPWL-2010157 as applicable (SPWL-2010157 NY in New York) and state variations identified by state code. Contract availability, terms, conditions and issue limitations may vary by state. Home office: Boston, Mass. Service center: Dover, N.H.

What is Index Universal Life?

What is Current Assumption Universal Life?

What is Asset Based LTC?

• Asset based long-term care insurance is insurance to help provide the cost of chronic illnesses, disabilities or other conditions that need assistance over an extended period of time. This insurance would help provide skilled care from nurses, therapists, or other professionals for daily living activities such as bathing, dressing, and eating.
• Asset based policies are commonly referred to as Hybrid, Universal Life Insurance with LTC benefits. These policies provide a flexible LTC benefit while still providing a death benefit, return of premium features, and access to cash value. The policies long-term care benefit is limited to a maximum amount but the premiums will never increase. When long-term care is needed, the life insurance death benefit or annuity value is accessed to pay for qualifying expenses (your care). The asset based policies have a death benefit payout that is made to beneficiaries at the time of death if the policy has not been exhausted for long-term care expenses. The premiums are usually guaranteed, meaning the policy will never be exposed to an increase in cost.

What is SBLI Term Insurance?

What is Asset Based LTC?

• Asset based long-term care insurance is insurance to help provide the cost of chronic illnesses, disabilities or other conditions that need assistance over an extended period of time. This insurance would help provide skilled care from nurses, therapists, or other professionals for daily living activities such as bathing, dressing, and eating.
• Asset based policies are commonly referred to as Hybrid, Universal Life Insurance with LTC benefits. These policies provide a flexible LTC benefit while still providing a death benefit, return of premium features, and access to cash value. The policies long-term care benefit is limited to a maximum amount but the premiums will never increase. When long-term care is needed, the life insurance death benefit or annuity value is accessed to pay for qualifying expenses (your care). The asset based policies have a death benefit payout that is made to beneficiaries at the time of death if the policy has not been exhausted for long-term care expenses. The premiums are usually guaranteed, meaning the policy will never be exposed to an increase in cost.

What is Asset Based LTC?

• Asset based long-term care insurance is insurance to help provide the cost of chronic illnesses, disabilities or other conditions that need assistance over an extended period of time. This insurance would help provide skilled care from nurses, therapists, or other professionals for daily living activities such as bathing, dressing, and eating.
• Asset based policies are commonly referred to as Hybrid, Universal Life Insurance with LTC benefits. These policies provide a flexible LTC benefit while still providing a death benefit, return of premium features, and access to cash value. The policies long-term care benefit is limited to a maximum amount but the premiums will never increase. When long-term care is needed, the life insurance death benefit or annuity value is accessed to pay for qualifying expenses (your care). The asset based policies have a death benefit payout that is made to beneficiaries at the time of death if the policy has not been exhausted for long-term care expenses. The premiums are usually guaranteed, meaning the policy will never be exposed to an increase in cost.

What is Universal Life Insurance?

If the answer is No for all of the following questions, then your client is eligible for this product.

• Coronary artery disease; heart disease; or heart attack?
• Heart valve disease?
• Disorders of the blood (excluding high blood pressure and high cholesterol); circulatory system requiring a surgical procedure; heart enlargement; use of a pacemaker or implanted defibrillator; or aneurysm?
• Stroke; carotid artery disease requiring a surgical procedure; peripheral vascular disease requiring a surgical procedure; Alzheimer’s disease; dementia, amyotrophic lateral sclerosis (ALS); Parkinson’s; disorder of the immune system?
• Diabetes?
• Kidney disorder?
• Cancer, including, but not limited to, leukemia and lymphoma (excluding basal cell or squamous cell carcinoma of the skin)?
• Emphysema; chronic obstructive pulmonary disease (COPD); oxygen use?
• Cirrhosis; alcohol or drug abuse; major depression; bipolar disease; schizophrenia?

• Provide basic information to get an accurate and instant quote
• Complete a simple online application that includes personal and health questions
• It's so easy that the entire process can be completed in minutes

• Provide basic information to get an accurate and instant quote
• Complete a simple online application that includes personal and health questions
• It's so easy that the entire process can be completed in minutes

• Complete a short set of questions, then depending on various electronic checks, the client will go into one of the following underwriting processes:
• First option when applying for less than $1,000,000 of coverage is to be approved instantly with no further underwriting required.
• Second option would be a phone call from Haven Life to go into further information and ask some medical questions.
• Third option would be a phone call from Haven Life to go into further information and ask some medical questions and schedule a medical exam.
• You can also give one of our experts a call at your convenience.

• Complete a short set of questions, then depending on various electronic checks, the client will go into one of the following underwriting processes:
• First option when applying for less than $1,000,000 of coverage is to be approved instantly with no further underwriting required.
• Second option would be a phone call from Haven Life to go into further information and ask some medical questions.
• Third option would be a phone call from Haven Life to go into further information and ask some medical questions and schedule a medical exam.
• You can also give one of our experts a call at your convenience.

• Provide basic information to get an accurate and instant quote
• Complete a simple online application that includes personal and health questions
• Underwriting decision received in minutes for most applications
• It’s so easy that the entire process can be completed in minutes
• You can also give one of our experts a call at your convenience

• Simply complete the online questions, then Legal & General will reach out to your client to complete a telephone history interview which will complete the application process
• There are two possibilities during underwriting:
  • First option is your client qualifies for express issue underwriting and no medical exam will be required
  • Second option is your client does not qualify for express issue underwriting and Legal & General will setup and schedule a medical exam with the client
• You can also give one of our experts a call at your convenience

• Provide basic information to get an accurate and instant quote
• Complete a simple online application that includes personal and health questions
• It's so easy that the entire process can be completed in minutes
• You can also give one of our experts a call at your convenience

• Provide basic information to get an accurate and instant quote
• Complete a simple online application that includes personal and health questions for you and the child
• It's so easy that the entire process can be completed in minutes

• Provide basic information to get an accurate and instant quote
• Fill out one short set of questions with your personal information
• It's so easy that the entire process can be completed in minutes
• You can always give one of our experts a call at your convenience if you have any questions

• Provide basic information to get an accurate and instant quote
• Complete a simple online application that includes personal and health questions
• You can always give one of our insurance experts a call

• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Scan and submit the signed illustration via the interface
• Complete the simple online application that includes health questions
• MetLife will follow up with a 20-40 minute telephone interview

• Simply complete a short set of questions, then Pacific Life will reach out to your client for a telephone history interview which will complete the application process. Pacific Life will schedule the necessary requirement such as a medical exam if required which is at no cost to you
• You can also give one of our experts a call at your convenience

• Asset based LTC requires a brief phone interview and no medical exam
• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Can submit the signed illustration via the interface

Purchasing This Product Is Simple

• Asset based LTC only requires a brief phone interview and no medical exam
• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Scan and submit the signed illustration via the interface
• Complete the simple online application that includes health questions
• You can also give one of our experts a call at your convenience

• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Scan and submit the signed illustration via the interface
• Complete the simple online submission
• You can also give on of our experts a call at your convenience

• Simply complete a short set of questions, then Lincoln Financial will reach out to your client for a telephone history interview which will complete the application process.
• There are two possibilities during underwriting:
  • First option is your client qualifies for express issue underwriting and no medical exam will be required
  • Second option is your client does not qualify for express issue underwriting and Lincoln Financial will setup and schedule a medical exam with the client
  • In both scenarios Lincoln Financial will schedule and manage the gathering of the necessary requirements
• You can also give one of our experts a call at your convenience

• Simply complete a short set of questions, then John Hancock Financial will reach out to your client for a telephone history interview which will complete the application process
• There are two possibilities during underwriting:
  • First option is your client qualifies for express issue underwriting and no medical exam will be required
  • Second option is your client does not qualify for express issue underwriting and John Hancock Financial will setup and schedule a medical exam with the client
  • In both scenarios John Hancock Financial will schedule and manage the gathering of the necessary requirements
• You can also give one of our experts a call at your convenience

• Provide basic information to get an accurate and instant quote
• Complete a simple online application that includes personal and health questions
• Underwriting decision received in minutes for most applications
• It’s so easy that the entire process can be completed in minutes

• Request an estimate on our system, and request an illustration
• Review the illustration with your client
• Upload the illustration via the interface
• Complete the simple online submission

• Request an estimate on our system, and request an illustration
• Review the illustration with your client
• Upload the illustration via the interface
• Complete the simple online submission

• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Upload the illustration through the “App Submit” function on the platform
• Our team will then call your client to complete the application
• Asset based LTC requires a phone interview, but does not require medical exam
• You can also give one of our experts a call at your convenience

• Simply complete a short set of questions, then SBLI will reach out to your client for a telephone history interview which will complete the application process
• For coverage under $500,000 your client will either be approved or declined, and if approved will get a rating
• For coverage over $500,000 your client will need to complete a paramedical exam. The exam will be scheduled after the telephone history interview
• You can also give one of our experts a call at your convenience

• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Upload the illustration through the “App Submit” function on the platform
• Our team will then call your client to complete the application
• Asset based LTC requires a phone interview, but does not require medical exam
• You can also give one of our experts a call at your convenience

• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Upload the illustration through the “App Submit” function on the platform
• Our team will then call your client to complete the application
• Asset based LTC requires a phone interview, but does not require medical exam
• You can also give one of our experts a call at your convenience

• Request an illustration
• Review the illustration with your client and have them sign the illustration
• Scan and submit the signed illustration via the interface
• Complete the simple online submission
• You can also give one of our experts a call at your convenience

• Simply complete a short set of questions, then one of our life insurance experts will call you to complete your application and schedule the necessary requirements. In many cases, it will likely involve a second phone interview with the insurance carrier. Medical exams could be required, but in many cases are not
• You can also give one of our experts a call at your convenience
• If your client has not been treated or prescribed medication for any of the following conditions then abbreviated underwriting may be a good fit.
  • Anxiety, depression, or bipolar
  • Cancer
  • Chronic pain
  • Diabetes
  • Heart or circulatory disorder
  • Respiratory disorder
  • Other medical conditions

Who can qualify?

• You must be age 20 through 60
• You must be a US citizen or be a permanent resident of the United States
• You must have a valid driver’s license

How easy is the online application process?

What information do I need to apply?

• Your address, phone, email, SSN and driver's license number
• The name and address of the beneficiaries of your policy
• Your payment information (debit card or bank account information)
• Your general health history information (family history not required)

Why do I have to provide my email address?

Do I have to sign my application?

Who can qualify?

• You must be age 18 through 60
• You must be a US citizen or be a permanent resident of the United States
• Actively performing the duties of their regular occupation (including a homemaker or student)

How easy is the online application process?

What information do I need to apply?

• Your address, phone, email, SSN and driver's license number or state ID card
• The name and address of the beneficiaries of your policy
• Your payment information: credit card or bank account information
• Your general health history information (family history not required)

Why do I have to provide my email address?

Do I have to sign my application?

Additional Features

• Accelerated Death Benefit – Automatically included at no additional cost. If insured is diagnosed as terminally ill with a life expectancy of 12 months or less, provides for early payment of the death benefit
• Conversion Privilege – After coverage has been in force for one year, may convert to a whole life policy within the next five years of the term until age 65
• Renewal Provision – After the initial policy term, the customer may choose to renew their policy in one-year increments until age 80. Rates will be based on their current age with no additional underwriting. Premiums will increase

What is single premium whole life insurance?

Can I access my money if I need to?

Can the insurance company cancel my coverage if I get sick after my policy is issued?

Do I have to go through a medical exam to get my coverage?

What happens if I apply for this product and do not qualify?

What is term life insurance?

Will my term life insurance premium payments ever go up?

Can the company cancel my coverage if I get sick after my term life insurance policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• How much would you want to leave your family as an inheritance?

How long can I keep my coverage?

Should I buy term or permanent life insurance?

What is the difference between whole life and universal life insurance?

What is involved in the life insurance application process?

What is term life insurance?

• A PLAN - An affordable means of protecting your family for a specific number of years.
• SOLUTIONS - A simple and budget friendly plan to cover financial responsibilities in the event of your death.
• PEACE OF MIND - Protection for the stability you have worked to provide for your family.

Why should I buy term life insurance?

What are the features of the Individual Term Life Insurance plan?

• Accelerated Death Benefit - You can request an early payment of a significant portion of your death benefit in the event of your terminal illness.
• Free Look – New customers have at least 10 days to cancel their coverage and receive a full refund of premium. No questions asked.
• Level Term Premiums – Your premiums will remain the same and level throughout the term length of the policy.

What is single premium life insurance?

How much coverage should my client purchase?

Here are some additional things to keep in mind as you help your client make a decision:

• How many children does the client have and how old are they?
• Who primarily cares for the children? Would that change after the client’s death?
• Does the client already have college funds and retirement savings?
• Does the client’s spouse work? Would that change after the client’s death?
• What will it cost to pay off the home mortgage and other debt?
• What will it cost for the client’s family to maintain their lifestyle?
• How much would the client want to leave to his or her family as an inheritance?

Can a policyholder access policy values if he or she needs to?

Does the client have to go through a medical exam to obtain coverage?

What happens if the client applies for this product and does not qualify?

Should I buy term or permanent life insurance?

What is the difference between whole life and universal life insurance?

What is involved in the life insurance application process?

When does my life insurance coverage begin?

How is an applicant classified?

Can the insurance company cancel my coverage if I get sick after my policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

What is Accidental Death Insurance?

I've had health problems. Can I still qualify for coverage?

Can I sign up my spouse and children for coverage as well?

Will my benefits terminate or decrease as I get older?

If I'm not satisfied with this coverage, can I get a refund?

What is whole life insurance?

Will my whole life insurance premium payments ever go up?

Can the insurance company cancel the coverage if the insured get sick after my policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

Is MetLife Enhanced Rate Plus (ERP) available on this product?

What is MetLife Enhanced Rate Plus (ERP)?

Who is Eligible for ERP?

• Ages: 20 - 60
• U.S. residents with a minimum residency period of two years
• Non-smokers—no nicotine use within the last 24 months

Do I have to go through a medical exam to get my coverage?

What types of payment plans are offered?

Why should I recommend PAUL as a solution to my clients?

• High early cash value, which gives clients access to more cash value, faster than traditional life insurance policies
• 1% of typical universal life surrender charges
• Cash value growth not directly affected by market fluctuations
• Competitive cash value accumulation

Can the face amount be changed?

Is there a grace period?

What are the Death Benefit Options?

Are there any riders?

Can clients do a single pay premium on PAUL?

Is PAUL available for term conversions?

Is MetLife Enhanced Rate Plus (ERP) available on PAUL?

What is MetLife Enhanced Rate Plus (ERP)?

Who is Eligible for ERP?

• Ages: 20 - 60
• U.S. residents with a minimum residency period of two years
• Non-smokers — no nicotine use within the last 24 months

What happens if Underwriting determines my client doesn’t qualify for ERP?

What is Long-Term Care?

What is Long-Term Care Insurance?

Who needs LTC?

Am I Eligible?

How Much Do I Need?

Are There Any Tax Advantages to Purchasing Long-Term Care Insurance?

Who Pays for Long-Term Care?

Does Medicaid Pay for Long-Term Care?

Does Medical Insurance Pay for Long-Term Care?

Can I have this for my husband, mother or other family members?

What is term life insurance?

Will my term life insurance premium payments ever go up?

Can the company cancel my coverage if I get sick after my term life insurance policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

What types of payment plans are offered?

How long can I keep my coverage?

What is Return of Premium?

Do I have to go through a medical exam to get my coverage?

What is term life insurance?

Will my term life insurance premium payments ever go up?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

How long can I keep my coverage?

Do I have to go through a medical exam to get my coverage?

What is whole life insurance?

Will my whole life insurance premium payments ever go up?

Should I buy term or permanent life insurance?

What is the difference between whole life and universal life insurance?

What is involved in the life insurance application process?

Can the insurance company cancel my coverage if I get sick after my policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

When does my life insurance coverage begin?

How is an applicant classified?

How can I pay for my insurance coverage?

What is a waiver of premium rider?

What is a child rider?

Do I have to go through a medical exam to get my coverage?

What is whole life insurance?

Will my whole life insurance premium payments ever go up?

Can the insurance company cancel my coverage if I get sick after my policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

How can I pay for my insurance coverage?

Do I have to go through a medical exam to get my coverage?

What is the Accelerated Benefit Agreement?

What is the Automatic Premium Loan Provision?

What happens if I apply for this product and do not qualify?

What is whole life insurance?

Will the premium payments ever go up?

Can the insurance company cancel the coverage if the insured get sick after my policy is issued?

How much coverage should I purchase?

How can I pay for my insurance coverage?

Does the insured have to go through a medical exam to get coverage?

What is the Accelerated Benefit Agreement?

What is the Automatic Premium Loan Provision?

What is the Guaranteed Insurability Option Agreement?

How can I use the money?

How long can I receive payments?

How do I receive benefits?

Do I have to go through a medical exam to get my coverage?

What is short-term disability insurance?

What is long-term disability insurance?

How can I use the money?

How long can I receive payments?

How do I receive benefits?

Do I have to go through a medical exam to get my coverage?

Why is life insurance required for SBA borrowers?

What is a Collateral Assignment?

What happens when the loan is repaid?

Can I terminate a policy with a collateral assignment?

What is term life insurance?

Will my term life insurance premium payments ever go up?

Can the insurance company cancel my coverage if I get sick after my term life insurance policy is issued?

How much coverage should I purchase?

How long can I keep my coverage?

Will my universal life insurance premium payments ever go up?

Can the insurance company cancel my coverage if I get sick after my policy is issued?

Are there any riders?

• The insured can withdraw 10% of premium paid without a fee each policy year. If more than 10% is withdrawn during the first 10 years, there will be a surrender charge
• The insured can take a loan on the policy’s cash value at a net interest rate of 3%

Do I have to go through a medical exam to get my coverage?

Why should an insurance policy be converted?

When should I consider converting my policy?

What are some typical events that should trigger a conversion?

• Last year with the ability to convert
• Any type of health issue
• Age change
• Diagnosed with a disability
• Might have some favorable options
• Income change
• In need of another tax deferred accumulation vehicle
• Coverage needs have changed
• Diagnosed with a terminal/chronic illness

What Are Some Basic Life Insurance Terms I Should Know?

Policy owner

Beneficiary

Premium

Death benefit

Face amount

Insurability

How Much Life Insurance Do I Need?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

Why Do I Need Life Insurance?

What Kinds of Life Insurance Are There, and How Do They Differ?

What Are the Benefits of Term Life Insurance?

What Are the Benefits of Permanent Life Insurance?

What is term life insurance?

Will my term life insurance premium payments ever go up?

Can the company cancel my coverage if I get sick after my term life insurance policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

How long can I keep my coverage?

Do I have to go through a medical exam to get my coverage?

What is Long-Term Care?

What is Long-Term Care Insurance?

Who needs Long-Term Care (LTC)?

Am I Eligible for Pacific PremierCare Advantage?

How Much Insurance Do I Need?

Who Pays for Long-Term Care?

Does Medicaid Pay for Long-Term Care?

Does Medical Insurance Pay for Long-Term Care?

Can the life insurance policyowner access the policy cash value, if the policyowner is not on an LTC claim?

Do I have to go through a medical exam to be approved for a Pacific PremierCare Advantage policy?

What happens if I apply for this product and do not qualify?

What is Long-Term Care?

What is Long-Term Care Insurance?

Who needs LTC?

Am I Eligible?

How Much Do I Need?

Who Pays for Long-Term Care?

Does Medicaid Pay for Long-Term Care?

Does Medical Insurance Pay for Long-Term Care?

Can I access my money if I need to and I am not on claim?

Do I have to go through a medical exam to get my coverage?

What happens if I apply for this product and do not qualify?

What is the difference between whole life and index universal life insurance?

When does my life insurance coverage begin?

Is my money invested in the stock market?

How is an applicant classified?

How much coverage should I purchase?

Do I have to go through a medical exam to get my coverage?

What is term life insurance?

Will my term life insurance premium payments ever go up?

Can the company cancel my coverage if I get sick after my term life insurance policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

How long can I keep my coverage?

Do I have to go through a medical exam to get my coverage?

What is term life insurance?

Will my term life insurance premium payments ever go up?

Can the company cancel my coverage if I get sick after my term life insurance policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

How long can I keep my coverage?

Do I have to go through a medical exam to get my coverage?

What is term life insurance?

Will my term life insurance premium payments ever go up?

Can the company cancel my coverage if I get sick after my term life insurance policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

How long can I keep my coverage?

Do I have to go through a medical exam to get my coverage?

What is the difference between whole life and index universal life insurance?

When does my life insurance coverage begin?

Is my money invested in the stock market?

How is an applicant classified?

How much coverage should I purchase?

Do I have to go through a medical exam to get my coverage?

Should I buy term or permanent life insurance?

What is the difference between whole life and universal life insurance?

What is involved in the life insurance application process?

When does my life insurance coverage begin?

How is an applicant classified?

Can the insurance company cancel my coverage if I get sick after my policy is issued?

How much coverage should I purchase?

Here are some additional things to keep in mind as you make your decision:

• How many children do you have and how old are they?
• Who primarily cares for your children? Would that change after your death?
• Do you already have college funds and retirement savings?
• Does your spouse work? Would that change after your death?
• What will it cost to pay off your home mortgage and other debt?
• What will it cost for your family to maintain their lifestyle?
• How much would you want to leave your family as an inheritance?

What is Long-Term Care?

What is Long-Term Care Insurance?

Who needs Long-Term Care (LTC)?

Am I Eligible for Lincoln MoneyGuard® II?

How Much Insurance Do I Need?

Who Pays for Long-Term Care?

Does Medicaid Pay for Long-Term Care?

Does Medical Insurance Pay for Long-Term Care?

Can the life insurance policyowner access the policy cash value, if the policyowner is not on an LTC claim?

Do I have to go through a medical exam to be approved for a Lincoln MoneyGuard® II policy?

What happens if I apply for this product and do not qualify?

What is Long-Term Care?

What is Long-Term Care Insurance?

Who needs Long-Term Care (LTC)?

Am I Eligible for Nationwide Care Matters?

How Much Insurance Do I Need?

Who Pays for Long-Term Care?

Does Medicaid Pay for Long-Term Care?

Does Medical Insurance Pay for Long-Term Care?

Can the life insurance policyowner access the policy cash value, if the policyowner is not on an LTC claim?

Do I have to go through a medical exam to be approved for a Nationwide Care Matters policy?

What happens if I apply for this product and do not qualify?

Availability

Is this product available for Term Conversions, Group Conversions, or exercise of other Contractual Obligations?

What is Brighthouse Simple Underwriting?

How is the Issue Age determined?

What is the benefit of the higher breakpoints?

What are the available Death Benefit Options?

• Death Benefit Option A (Level) provides for a death benefit equal to the policy face amount.
• Death Benefit Option B (Increasing) provides for a death benefit equal to the policy face amount plus the current cash value.

Premiums

What premium designs are available?

What is the Target Premium?

Is there a limit on premium payments?

Are 1035 exchanges allowed?

Tax

What is the 7-pay premium?

What is a MEC?

How are MEC policies taxed?

Distribution	Non-MEC	MEC
Withdrawal to Basis	Generally Income Tax-free1	Taxable up to the gain (gain taxed first)2
Loan	Generally Income Tax-free1	Taxable up to the gain (gain taxed first)2
Death Benefit	Generally Income Tax-free	Generally Income Tax-free1

Is being classified a MEC always disadvantageous?

• Want to maximize their legacy planning by leveraging premium dollars today into income tax-free death benefit dollars upon the insured’s death.
• Want to maximize the amount available for tax-deferred cash value accumulation.
• Have money that could be satisfying more needs than cash held in CDs or checking accounts. That money can be used to purchase the coverage they need and may offer these clients a more attractive rate of return on a tax-deferred basis, while also helping to protect their families.

Policy Charges

What is the Percent of Premium Charge?

Premium	Year 1	Year 2+
Up to Target Premium	33%	8%
In excess of Target Premium	3%	3%

Which premiums are subject to the Percent of Premium Charge?

What is the Monthly Deduction?

What is the Monthly Policy Charge?

What is the Monthly Coverage Expense Charge?

What is the Monthly Cost of Insurance Charge?

What are the Monthly Rider Charges?

Are policy charges guaranteed?

Interest Crediting Rate

How is the interest crediting rate determined?

Accessing Policy Cash Value

What options are available for accessing the policy’s cash value?

How much of the policy’s cash value is available for withdrawals?

• 90% of the policy’s net cash surrender value as of the beginning of the policy year, and
• Last year’s maximum allowable withdrawal amount less any prior withdrawals in the current year. For additional details and restrictions please refer to the policy.

What is the maximum number of withdrawals allowed per policy year?

How does a withdrawal impact policy values?

How much of the policy’s cash value is available for loans?

What is the Net Cost of taking out a loan?

Policy Year	Loan Type	Current Loan Interest Rate	Loan Crediting Rate3	Net Loan Cost
1-20	Regular	3.0%	2.0%	1.0%
1-20	Carryover4	2.5%	2.0%	0.5%
21+	Both	2.0%	2.0%	0.0%

How does a loan impact policy values?

How can the entire cash surrender value be accessed?

How quickly is net cash surrender value paid out in the event of a full surrender?

Policy Lapse

What happens if the cash surrender value is insufficient to cover the Monthly Deduction?

What happens if the outstanding loan, including interest, exceeds the policy’s cash value?

Policy Changes

When can a Policy Owner change the face amount?

Are face amount increases subject to any conditions?

• Proof of insurability for the increased coverage.
• Minimum increase amount is $5,000.
• The total policy face amount cannot exceed $5,000,000.
• Maximum attained age of the insured is 85 on the date of the increase.

Are face amount decreases subject to any conditions?

• Minimum allowed face amount decrease is $5,000.
• The face amount generally cannot be reduced below the minimum of $50,000.

When can a Policy Owner change the Death Benefit Option?

Does the face amount change after a Death Benefit Option change?

How does a Death Benefit Option change impact policy values?

Does a Death Benefit Option change require underwriting?

Riders

What benefit does the Chronic and Terminal Care Rider provide?

Is this rider available on all policies?

What is the cost of this rider?

Can requests for accelerated death benefit payments be submitted for both chronic and terminal illnesses?

How do payments under this rider impact policy values?

How are payments received on a tax-favorable basis?

Acceleration of Death Benefit Rider

What benefit does the Acceleration of Death Benefit Rider provide?

Is this rider available on all policies?

What is the cost of this rider?

How do payments under this rider impact policy values?

How are payments received on a tax-favorable basis?

Waiver of Specified Premium Rider

What benefit does the Waiver of Specified Premium Rider provide?

Is the rider available on all policies?

How much is the monthly benefit amount?

What is the cost of this rider?

Does the monthly benefit amount guarantee the policy will remain in force?