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A New Way to Do Life Applications

A New Way to Do Life Applications. Terms 10, 15, 20, 30 or 35 Years Classes Non-Tobacco Tobacco Premium Bands Four Bands Maximum $500,000. Terms 10, 15, 20, 30 or 35 Years Classes Preferred + Preferred Non-Tobacco Tobacco Premium Bands Four Bands No Maximum. Coverage Amounts.

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A New Way to Do Life Applications

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  1. A New Way to Do Life Applications

  2. Terms 10, 15, 20, 30 or 35 Years Classes Non-Tobacco Tobacco Premium Bands Four Bands Maximum $500,000 Terms 10, 15, 20, 30 or 35 Years Classes Preferred + Preferred Non-Tobacco Tobacco Premium Bands Four Bands No Maximum

  3. Coverage Amounts Available for face amounts up to $250,000 per insured (depending on age) Available for face amounts as low as $50,000 (depending on age) Appropriate for clients applying for higher face amounts Ideal for clients looking to customize their insurance coverage to meet their long term and short term needs

  4. TermNow vs. CustomAdvantage

  5. Underwriting Requirements No blood testing No saliva required TeleUnderwriting required for Age 51+ Rapid Data Check- Verifies applicant information through electronic databases Prescription drugs Motor Vehicle Reports Medical Information Bureau Uses traditional underwriting methods Includes paramedical visits and blood/urine specimen analysis Resting & Treadmill EKG may be required depending on face amount and age TeleUnderwriting may be required

  6. Timeframe for Approval 80% of life applications are approved at the Kitchen Table Approval can be within minutes of submitting application Underwriting decisions are not available 24 hours a day E-mail response as soon as possible Delay can be from minutes to hours but no longer than the next business day Average approval can be between 4-6 weeks Underwriters will make decision once all requirements, driving records and medical reports are received

  7. Eight New Features for Your Clients • Primerica Freedom Accumulation Benefit (FAB) • Lapse Protection Benefit • CustomAdvantage Rate Reductions • Available on the 10, 15 and 20 Year Products • Automatic 10% Increasing Benefit Rider (IBR) 4. Waiver of Premium for Primary and Now Spouse 5. Terminal Illness Maximum Benefit Increased • Clients will now be able to take out 70% with Waive of Premium 6. E-Delivery of Policy Options • Available through www.MyPrimerica.com • Option to Continue Spousal Coverage Upon Death of an Insured at Original Issue Age 8. Increased Maximum Issue Age on 30 and 35 Year Products • Additional 5 years

  8. Freedom Accumulation Benefit (FAB)

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