Lifetime Benefits Term Insurance

[Pepper]

Hello forum I need help looking for a product that looks to be only available in the voluntary market. From what I understand it's called lifetime benefit term insurance. I like it because of the long term care feature.prudential has a product also called benefit access rider. But I'm independent and looking for something that I can sell on my own. This is the one website that I saw selling the initial product Lifetime Benefit Term Life Insurance - EOI Service Company

----------

anybody got anything for me? :(

 

[Tahoe Ray]

Hello forum I need help looking for a product that looks to be only available in the voluntary market. From what I understand it's called lifetime benefit term insurance. I like it because of the long term care feature.prudential has a product also called benefit access rider. But I'm independent and looking for something that I can sell on my own. This is the one website that I saw selling the initial product Lifetime Benefit Term Life Insurance - EOI Service Company

----------

anybody got anything for me? :(

Why can't you write the Pru product? That's available for independents.

Trans is another option.

 

[DHK]

Here's a Fidelity Life brochure on that topic.

https://files.ipipeline.com/fidelitylife/LBT_Consumer_Brochure_MW008.pdf

Other companies really offer this as a non-lapse GUL permanent product. It essentially does the same thing, but it is properly titled as a permanent product with level premiums and no cash values, and not a term product.

 

[Pepper]

I looked up prudential and appears they want you to be fulltime in Ohio. And fidelity i thought they only offer this product at worksites

 

[Tahoe Ray]

I looked up prudential and appears they want you to be fulltime in Ohio. And fidelity i thought they only offer this product at worksites

Sorry...I misunderstood. I didn't realize that you were looking for a worksite product.

 

[Pepper]

no im not i would love to sell the fidelity or prudential product to the individual market

 

[Tahoe Ray]

no im not i would love to sell the fidelity or prudential product to the individual market

Then just get a Prudential appointment (which you can get through any IMO) and you can sell the LB term.