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• Work with group insurance? The typical group life insurance policy tends to be small face amounts.
• Even worse – this is the only life insurance most people have! Worksite Life offers employees a choice of Term.
• only pays out if the employee is actively at work, and if they ever leave employment the insurance cancels.
• Return of Premium Term or Whole Life insurance at face amounts they get to choose.
• The products are 100% portable – they go with the employee if they ever leave.
• They are paid through payroll deduction, and the BIGGEST advantage is they are GUARANTEED ISSUE for the employee – NO HEALTH QUESTIONS! Make sure you add this product to any Employee Benefits Package you offer to your groups!

• Placing an Indexed Universal Life policy on a child not only covers the life of the child and at a lower cost than a policy on an adult, but the potential cash value accumulation inside the policy can help offset the costs of college in the future.
• What if they don’t go to college or get scholarships? Use the cash and the gains for whatever needs you may have in the future – and if managed correctly, its 100% tax free!

• Life Insurance with Long Term Care Benefits. We call it “Live, Die, or Quit...YOU WIN” Life Insurance. Live...
• 1) GUARANTEED PREMIUMS for Long Term Care benefits. Your client’s premiums are guaranteed to never increase. Your client has access to 100% of the death benefit paid monthly for long term care for nursing facility, assisted living, home care, etc. Die...
• 2) Guaranteed TAX-FREE DEATH BENEFIT. When they die, the death benefit is income tax-free to their beneficiaries.Quit...
• 3) Guaranteed CASH VALUE GROWTH. Your client’s money grows annually at a minimum of 4% (unlike CDs and money markets)
• 4) RETURN of PREMIUM (all years). If they decide to terminate the policy, they’ll receive all premium payments back....

• Term insurance is easy. You buy coverage for a certain period of time.
• If you die during that period, there is a death benefit.
• If you live, you get nothing.
• But what if you could get something back? Return of Premium Term (ROP Term) offers the same coverage during a set term length, but if you are still alive after that term length, you get all your premiums back! Most people aren’t using term for actual death coverage, it’s just-in-case type coverage.
• Any time you show a term case, make sure to show an ROP term option as well.