Our Products
Home Mortgage Series is designed to help pay off your client's mortgage balance at death, help pay the mortgage payment if disabled, provide funds for critical illness, and potentially refund premiums paid at the end of the policy period.
- Level premium periods of 15, 20, 25, and 30 years (25 and 30 year terms not available in WA)
- Premiums guaranteed for five years or for full term
- Accept/reject; issued standard through table 6
- Non-medical through $250,000
- Saliva test $250,001 to $400,000
- $80 fully commissionable policy fee
Minimum Face Amounts
Minimum: $25,000 ($50,000 in Washington)
Maximum Face Amounts
Maximum: $400,000
Underwriting Classes
Non-nicotine or Nicotine
Underwriting
Standard through Table 6
Click here to contract with Americo
(Personal Errors & Omissions liability coverage required.)
A simplified issue term life insurance policy that offers clients level death benefit protection for a period of 15, 20, or 30 years with premiums projected to remain level during the initial term period.
- Choice of a 15, 20 or 30 year term period.
- Premium Guarantees of either 5 years (for 15- and 20-year terms) or 15 years (for 30-year terms) or an optional Extended Premium Guarantee that extends the premium guarantee for the entire initial term period.
- Simplified Issue Underwriting -- no medical examinations.
- Waiver of Premium Rider upon unemployment -- at no additional cost.
- Accidental Death Benefit Rider automatically provides a benefit equal to 50% of the face amount. Additional coverage is available.
- Optional Return of Premium Rider allowing clients to get 100% of their premiums back if they outlive the coverage period. (Less any benefits paid under additional riders attached to the policy and any reinstatement interest paid.)
- Optional Critical Illness and Accident Only Disability Income Riders can provide money for mortgage payments if your clients cannot work due to injury or illness.
Minimum Face Amount
$25,000
Maximum Face Amount
Lesser of:
$250,000 for issue ages 20-44;
$200,000 for issue ages 45-59;
$150,000 for issue ages 60+
or
125% of mortgage amount
Underwriting Classes
- No Tobacco (no use of tobacco or nicotine products in any form within the past 12 months)
- Tobacco
Click here to contract with ING HomeGuard
(Personal Errors & Omissions liability coverage required.)
Life insurance to help protect your home and your lifestyle.
- Both five-year and full guarantees
- Wavier of premium for unemployment provision
- No-cost Accelerated Death Benefit Rider
- Disability Income Rider
- Partial Return of Premium optional benefit
- Disability Waiver of Premium Rider
- Accidental Death Benefit Rider
- Dependent Children Rider
- Policies may be renewed annually to age 100, without evidence of insurability.
Face Amounts
$50,000 - $400,000
Risk Classes
Standard non-tobacco
Standard tobacco
Underwriting
Simplified underwriting
(standard through table 4)
Click here to contract with United Of Omaha
(Personal Errors & Omissions liability coverage required.)
To find out how you can start selling mortgage protection life insurance offered by Prosurity, please verify the following information and complete this form.
Or just give us a call at (866) 872 3165 to speak with one of our representatives today.
