*This information VARIES from State to State! This information is written for agents in CALIFORNIA. You must call the carriers and speak to SALES SUPPORT to find out what the riders and features are available in your states. Some states don't offer these products as well due to the Department of Insurance in your State.

Americo -
HMS (Home Mortgage Series) Term 125 - We only write 125. We never write 100!!
HMS Term 125 = 100% Death Benefit + 25% Accidental Death + 25% Common Carrier
example: $200,000 Death Benefit, $50,000 Accidental Death, $50,000 Common Carrier
*All HMS products with Americo have a 100% Terminal Illness rider. Where if the client is diagnosed and terminally ill and has only 12 months to live with a proof of a doctors note, then Americo will pay an advance while they are alive to use for treatment.
*In states that carry Chronic and Critical Illness Riders, you have 100% access to that too. Most simplified issue terms do not have living benefits and if they do, they are not 100% accelerated like Americo is.

HMS CBO 100 (Cash Back Option 100%) - This is one of our FAVORITE products out of all the products we offer. We only write CBO 100, not CBO 50. Give your clients 100% of the money back, not half. If that's the case, don't even write cash back at all.
*Just like the rest of the HMS (Home Mortgage Series) product line, it comes with 100% living benefits (If your state allows).
*This is how I pitch the product

-- Bob, you get $150,000 of natural death, meaning if you died any possible way the insurance carrier will pay your family $150,000. Everyone does that. But the cool part is if you get ill for example... if you were diagnosed with a terminal illness where a doctor diagnose you with 12 months or less to live with life expectancy, the insurance company will give you $150,000 to use for treatment, vacation, pre plan your funeral, get your affairs in order, bucket list trip, whatever you want.
*(These next two riders are available in most states, NOT in CA and a few others) If you were diagnosed with a critical illness such as heart attack, stroke, cancer, renal failure... the insurance company will allow you to access $150,000 as well. Just because you get sick doesn't mean the bills stop. This allows you to use the money to continue your standard of living, pay for treatment, etc.
*Here's the best part Bob... if you do not die.. you'll get 100% of your money back. It's the only insurance policy I know that will pay your family if you die, pay you if you get sick, and pay you back 100% if you do not die. Someone in your family will get paid no matter. When people buy term, 98.5% people do not die during the duration of the term. So therefore they don't get any money back. If you have this policy and you do not die (which is the goal Bob), then they give you all the money back. It's almost like you got insured for free for those years.

Eagle Premier (E-App ONLY)
Death Benefit ranges from $2,000-$40,000. They only give Terminal Illness up to 50% of Death Benefit, not 100% like HMS. But they have 100% Accidental.
Example: $5,000 death benefit. Terminal Illness of $2,500. If client dies in accident, $10,000.
*This process is very virtual sales friendly as well as face to face.
*Americo Eagle Premier instant decisions almost 99% of the time. They will give your clients an approval or not relatively quickly. They also give that approval without banking information (95% of companies in the industry do NOT do this.)

Prosperity -
New Vista (Final Expense product) - Solid final expense product that will give you the reason why a client declines (medication pops up).

Family Freedom Term (Term product) - very inexpensive and competitive term in our space. They are very friendly on underwriting.

CVS/Aetna
Accendo - This is a phenomenal final expense product. Big brand new recognition with your clients with CVS Pharmacy and Aetna Health Insurance. They take clients from age 40 to age 89 (unheard of). They also do NOT have a build chart (height and weight guidelines), so if you have clients who are heavier, this is a great product for them.
*One of the easiest e-apps and signature processes in the entire industry. However, they do NOT instant decision as frequent as Americo. Sometimes will require a phone interview with your clients.

American Amicable -
Senior Choice - This is their final expense product. Very competitive and great features. They have 3 different rating options for clients.
1) Immediate - also known as level death benefit, means the client is covered for the full death benefit on day one.
2) Graded - AmAm's Graded is different than most companies Graded. They do a 30%/70%/100%. Meaning in Year 1, they will give you 30% of the death benefit if client passes away. This is usually higher than most companies 110% death benefit during first two years. If client passes away in year 2, 70% of face amount, year 3 is full death benefit.
3) Return of Premium - This is what most people know as "graded". If client dies within first 2/3 years (Depending on age range, it is either a 2 or 3 year wait), then the beneficiary will receive 110% of premiums back to them when client passes. After year 3, it is a full death benefit.

John Hancock -
Simple Term - A very modernized term.

Mutual of Omaha -
Index Universal Life Express (IULE) - This is a simplified issue IUL product for Mutual of Omaha. It's a very competitive product and new to the market. Great for clients who are older but want to cover a large death benefit.

Living Promise - This is their final expense product. Has an instant decision and an e-app (E-app is a pain in the rear compared to Americo, Aetna, Prosperity). But can be written on paper as well. Straight death benefit, accidental and other riders have to be added on but not included.

Term Life Express - This is their term product without an exam. This product also has a return of premium rider (30 years ONLY) if added. Not as customizable compared to Americo's return of premium product. Is also a paper and e-app, but does not have instant decision very often like Americo.

AIG (American General) -
Guaranteed Issue Whole Life (GIWL) - This product is our safety net. It takes clients between the ages of 50-85, face amount of $5,000 to $25,000. No questions asked insurance, they take anyone between the ages of 50-80 as a graded death benefit of 2 years. If client dies during 2 year time frame, beneficiary will receive 110% of premium. After 2 years, full death benefit. Rates are amazing for GIWL, competitive with some LEVEL death benefits.