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Vantis Life Sales Contract Pennsylvania

Crowe and Associates wants to offer it’s agents a chance to sell  insurance in the state of Pennsylvania.  Therefore, we are offering agents achance to get a  Vantis Life Sales Contract Pennsylvania.  We now offer Vantis life contract for both agents and brokers as well as GA contracts for insurance agencies.  Vantis life offers it’s clients a number of products.   In fact, the most popular product they are offering to clients is the Guaranteed Golden Final Expense policy.  This  product has very good rates for a guaranteed issue life offering and is available in tough insurance states including NY.   Guaranteed Golden has now received approval for sale in Pennsylvania.

This is a great addition to any agents product line. The Vantis plan is a perfect fit for brokers that are running either final expense and/or Medicare appointments. Vantis will not issue a writing number to agents until  they submit their first client application.  You may turn in your appointment paperwork and an application at the same time.   A link to contracting has been provided below.

CLICK HERE FOR THE VANTIS –  LIFE SALES CONTRACT FOR PENNSYLVANIA

If you have additional questions, you may either call our office at 203-796-5403 or email us at Edward@croweandassociates.com.  We are here to give all our agents full support. We want our agents to be successful and are happy to help get that done.

Guaranteed Golden Sales Contract (Vantis)

This post is going to give you some information about the Guaranteed Golden Sales Contract (Vantis).

Vantis Life offers the Guaranteed Golden Final Expense product in most states including NY.  In fact, this plan has quickly become the most popular guaranteed life product on the market.  The Face amounts for the product are $5,000, $10,000, $15,000 as well as $20,000.  Anyone between the ages of 50 to 80 years of age is eligible to apply for this policy.   Applications are only two pages long, this includes the one page rate sheet.  There are no health questions. The product has a two year grade.   CLICK HERE FOR 2014 GG Rate Sheet

We can set up either agent contracts or Agency contracts with payments that go directly to both the individual agents and overrides going to the agency.  Please be aware that Vantis will not issue agent writing numbers until the first case has been submitted.

Please click the link below to access the contracting.  Feel free to contact us with any questions you may have.  You can reach us either by phone at 203-796-5403 or by email at Edward@croweandassociates.com.

CLICK HERE FOR GUARANTEED GOLDEN SALES CONTRACTING

FREE FINAL EXPENSE LEAD PROGRAM

OUR FREE FINAL EXPENSE LEAD PROGRAM HAS BEEN UPDATED.

Therefore, please call the office for current offering:  203-796-5403.

Click here for tele-sales lead information.

Crowe and Associates has started a new free final expense lead program.    The program provides agents with fresh mail responder leads every week. Leads include prospects interested in final expense insurance.   The leads are absolutely FREE!  However, the broker must have carrier contracts with us.   We will continue to provide leads weekly, as long as the agent produces the weekly minimum. (minimum is $100 of premium per lead – Example 25 leads= $2,500 of premium) This program is available to individual producers and agencies with a hierarchy.

Read more

Colonial Life specializes in voluntary benefits at the worksite.  They have group and Individual product lines that are fully integrated and use the same enrollment and service platforms so they can fit the need of any size broker or business.  Currently, Colonial has more than 75,000 business accounts and 3 million policyholders nationwide with annual sales of over $345 million.

Colonial offers programs for independent brokers, captive and non captive agencies and agents.   They can support sales hierarchy structures for agencies with down line producers and provide the training and support needed to get your voluntary benefits business off the ground fast. They will also provide a territory recruiter to help recruit new reps to your sales team and access to a regional instructor to help train reps in the field and classroom.

If you are interested in learning more about a career or broker opportunity, call Edward Crowe at 203-796-5403 or email Ed at Edward.Crowe@coloniallife.com

Gerber Life Sales Contract

Gerber Life has made their guaranteed issue life contract available to brokers.  This plan sold by an internal agent and mail only in the past.   Policies cover people ages 50 to 80.   Face amounts of $5,000 to $25,000 are available.  They run in increments of $5,000 only.  These offer lower rates than other guaranteed issue plans.  Gerber has the best rates for people in their 50’s and 60’s.  For people in their mid 60’s and 70’s, Vantis Life will have a lower rate on a guaranteed issue basis.   Crowe and Associates can offer a Gerber Life Sales Contract to licensed agents.

Gerber Guaranteed Issue Life Insurance

Gerber is a guaranteed issue life insurance plan so clients can not be denied due to health conditions.  No health questions asked!   Approved in almost all states.   It is not approved in  AR and MT.  Product is in NY.  Additionally, a 2 year graded benefit applies.  Death in the first 2 years results in a return of premium +10% interest.   A full death benefit pays out in the first two years if death occurred due to accidental death.

What is the commission for the Gerber Life sales contract?

Geber pays initial commissions and renewals directly to brokers.  (Gerber does not advance commissions to agents.  Commissions are paid as earned.  Hierarchy payment structures are available for agencies.   Individual producer commission is 50% and agency commissions are 60%.

Overall, Gerber is a great contract to have.   The policy has very strong rates and also has some other advantages over their main competitor, Vantis Life.  We recommend having both contracts if you are in the final expense business.

All contracting can be faxed to Crowe and Associates at 203-567-6235 or sent by email to Edward@Croweandassociates.com  Include a copy of your life Insurance License, E and O certificate and a Void check (for direct deposit) with all paperwork.  Please email or call (office -203-796-5403) with any questions.  Alternately, email us Lisa@CroweAnd Associates.com.

Gerber Life Sales Contract Changes

Life products change often.   Gerber Life Sales contracts change.   Learn how to select the best plan for your clients with our underwriting tool.   Best Plan Pro selects only plans that meet your client’s needs.  Click here to learn more. 

Click here for low-cost E&O Insurance.

Gerber Life has now made their guaranteed issue life insurance plan available to brokers.  The policy is issued to people ages 50 to 80 in face amounts of $5,000, $10,000, $15,000, $20,000 and $25,000.   This is a 100% guaranteed issue life insurance plan so there are no questions for the client to answer.   The policy is approved to be sold in all states except AR and MT.   As with all guaranteed issue plans, this is a graded benefit.  Death in the first 2 years results in a return of premium +10% interest.   A full death benefit is paid out in the first two years if death occurred due to an accident.

Please Note:  Agents need to submit an application in order to get a writing number.

GERBER GUARANTEED LIFE PRODUCT GUIDE       GERBER LIFE PRODUCT PRESENTATION

Rates:  CLICK HERE FOR GERBER SALES KIT AND RATES

Initial commissions and renewals are paid directly to brokers from Gerber.  (Gerber does not advance commissions)

CLICK HERE FOR CONTRACTING

Please email or call (office -203-567-6235) with any questions.

Transamerica has received approval for their Long Term Care rider in Connecticut.   They are now able to offer the Trans ACE GUL “Guaranteed Universal Life” product with a long term care rider in Connecticut.   Other companies have been able to get approvals for life/LTC combo plans in CT but they are always single deposit products or limited deposit.  The Trans ACE is a true GUL policy that can be paid monthly like any other permanent life policy.  Adding the LTC rider will increase the premium but the overall rider cost is much less than the cost of buying a stand alone Long Term Care Plan.   Highlights and unique features….

• Any money not used as long term care is paid out to beneficiaries at death via the plans GUL death benefit.
• The cost of the Long Term Care rider is substantially lower than buying a stand alone LTC plan.
• If the Long Term Care is never used, the GUL will still pay the full death benefit upon death.
• The plan comes with a return of premium feature which returns 100% of paid premiums. The premium can be taken back in year 15, 20 and any year after 25.
• Premiums for the policy (GUL and LTC rider) can be paid monthly.

Click the links below for product summaries

Trans Ace Product Summary Sheet

Trans Ace LTC Rider summary

Trans Ace LTC Rider Quick Guide

If you are a broker that would like to offer this product to your clients, you may email Ed Crowe at Edward@Croweandassociates.com or call at 203-796-5403

Foresters currently has one of the lowest cost simplified issue final expense plans available.  The commission for brokers/agents is 100% and can increase with production.  They have an electronic application system and are approved in NY unlike most Final Expense plans.   Commissions are paid directly to the broker/agent on a weekly basis.

If you would like to be appointed to sell Foresters, you may obtain the contracting here Foresters GA contracting May 2013  Completed contracts can be faxed to Crowe and Associates at 203-567-6235 or by email at Edward@Croweandassociates.com   All contracts must include a copy of a valid insurance license and E and O certificate.

Foresters client application NY NOTE:  Appendix 11 “Definition of Replacement” form must be completed with every application even if it is not a replacement

Foresters plan right rate book

Foresters Plan Right Rate Table

Foresters Plan Right Producers Guide

Foresters Plan Right Consumer Brochure

Once a broker is appointed, they are eligible to sign up for the voice signature online client application process with Foresters. This allows for prospects to be signed up through the phone and internet.

Vantis Life offers a 100% guaranteed issue life insurance policy called Guaranteed Golden.  The GG product is the lowest cost guaranteed issue plan available for brokers to sell.  Rates and applications are available in this post. The Guaranteed Golden Product offers the following features

• 100% Guaranteed Issue (No questions)
• Cash value build up
• permanent policy- rates never change
• Face amounts of $5,000, $10,000, $15,000 and $20,000
• Ages 50 to 80
• Incredible rates!

Some applications are included in the links below but you can call or email us if you need an application for any state.   Office number 203-796-5403 or email: pena1976@att.net

Vantis Rate Sheet 2014

Vantis GG premium form NY

Vantis GG premium form

VAntis GG app NY with replacement form

Vantis GG application FL

Vantis Application other states

Vantis Replacement Form

Please note that the application for NY and FL is different than the one used for other states.  All three are available here.    Applications may be faxed or emailed to Crowe and Associates.  Fax number is 203-567-6235 or email at Edward@Croweandassociates.com

Are you an agent or broker looking to get appointed?   If so  CLICK HERE

Crowe and Associates holds an FMO/IMO contract with Vantis life.  We offer Agent and GA level contracting to brokers and agents.  Vantis has many products but the most popular contract currently is the Guaranteed Golden Final Expense product.  100% guaranteed issue with incredible rates.  Contracting paperwork can be obtained on this blog post.    Street level compensation is 40% with a 12 month advance and GA level is 50% with a 6 month advance.

Please Note: Vantis Life will issue an agent number until the first case has been submitted. Once contracting is completed, you must submit a case to be appointed.

If you have questions, please call us at 203-796-5403 or email Edward Crowe at Edward@Croweandassociates.com

VANTIS LIFE SALES CONTRACTING CLICK HERE

LOOKING FOR VANTIS LIFE RATES? CLICK HERE