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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 will not issue an agent writing number until the first case is placed.  One contracting paperwork is submitted you need to submit a case to be officially appointed.

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

CLICK HERE FOR CONTRACTING

LOOKING FOR VANTIS LIFE RATES AND APPLICATIONS? CLICK HERE

American National has the lowest 10, 20 and 30 year term policies in the business. They also have the lowest cost ART insurance by far.   Recently, they have revised the Guaranteed UL and IUL policies.  The IUL life policy has a 14% cap on the annual point to point which higher than almost every IUL in the industry.

Example on the ART- A 55 year old male rated preferred (not rated super preferred) would be able to get 1,000,000 of coverage for $69.98 a month   CLICK HERE TO RUN TERM QUOTES

Crowe and Associates can provide training on the products.  We can also set up contracts for individual brokers and General Agencies.  The General agency contract is set up with a hierarchy structure to allow down lines to be paid directly from the carrier with the override going to the GA.   We will also provide an SGA contract to any agent or agency that writes $50,000 of annualized premium.

American National GA Contract

American National Agent Contract

American National Comission schedule

For more information, contact Crowe and Associates at 203-796-5403 or email Ed Crowe at Edward@Croweandassociates.com

American National now offers the lowest cost term life insurance on the market.   They are achieving this price point with an annual renewable term product.   The rates on this product do go up every year BUT it is guaranteed renewable and the price point makes it a better choice than 10 or 20 year term.

The reason why it is a better choice is because the rates do increase but the product is priced so much lower that a consumer will pay nearly 30% less with the ART product vs the 10 or 20 year product.

A quick example is the following.   A 50 year old male can get $500,000 of ART with American national for $41.04 a month.   (Standard health rating)  The lowest cost 10 year term for that same person is $92.59 a month.  In 10 years the ART will cost $85.97 a month.  Do the math, there is a huge savings on the ART product.

The product can be issued up to age 65 and can be converted to permanent insurance at the same health rating up to age 65.  It is guaranteed renewable to age 75.

For quotes on this product, call Crowe and Associates at 203-796-5403

ARE YOU A BROKER LOOKING TO SELL THIS PRODUCT?  Call 203-796-5403 or email Edward Crowe at Edward@Croweandassociates.com

American National now offers the lowest cost term life insurance on the market.   They are achieving this price point with an annual renewable term product.   The rates on this product do go up every year BUT it is guaranteed renewable and the price point makes it a better choice than 10 or 20 year term. Read more

Vantis Guaranteed Golden offers a 100% guaranteed issue life insurance plan with the lowest rates in the country.  The plan does not have health questions and does not have a phone verification call.  The offering is 100% guaranteed issue regardless of any and all health conditions.  

Face amounts of $5,000, $10,000, $15,000 and $20,000 for people ages 50 to 80 are available in nearly every state.  The plan is also available in tough states such as NY and NJ.  This plan has lower rates than the mail in only plans you see on TV.

Crowe & Associates offers individual and Agency contracts.  We can create a hierarchy for agencies and down line agents as well.

For more information, contact Edward Crowe:   email Edward@croweandassociates.com  or phone 203-796-5403

Vantis Life has the best guaranteed issue product on the market today called Guaranteed Golden. The rates are incredible for a guaranteed issue plan, there are no health question and the policy will build a cash value.  This plan is the perfect final expense plan and is even approved in states like NY and WA.  Writing a Guaranteed Golden is low hassle because the application is only 2 pages.

Crowe and Associates offers both individual and agency contracts with a hierarchy for down lines. This contract is ideal for Medicare and final expense brokers as it can be written for clients from age 50 to 80.

Brokers that want to sell Vantis Life Guaranteed Golden, can call Ed at Crowe & Associates at 203-796-5403 or email at Edward@Croweandassociates.com

There are hundreds of life insurance products out on the market for brokers and agents to sell.  This post will provide a high level list of the best plans in each category: Term, UL, IUL (Med Exam Required), Term, UL, IUL (No Med Exam), Guaranteed issue Life and Final Expense (simplified issue). Read more

Life Insurance For Lupus Patients

PLEASE NOTE:  This blog has been updated:  CLICK HERE FOR UPDATED INFORMATION

Few life insurance companies will provide life insurance for Lupus patients.   Therefore, the majority consider Lupus to be an automatic decline regardless of the persons overall health.   Those that have lupus and want a policy, do have options, they just need to know where to look.

Some well rated insurance companies that will offer permanent insurance to Lupus sufferers. They offer plans with simplified underwriting.  This means that the applicant answers questions on an application.  The insurance company will then review medical records on the MIB “Medical Information Board” to determine if the answers are accurate.  This process is much faster with policies being issued in 2 to 5 days.

There are also a number of companies that offer guaranteed issue policies that anyone can obtain.  A plan without underwriting should be the last resort however, as the rates can be much higher than a standard plan.  They usually have a graded death benefit and higher rates than the simplified issue plans. Companies also run programs which can be advantageous to the client by offering them a table program. Table programs allow the client to get a standard policy rating when they would normally have a sub standard policy.  Sub standard policies have much higher premiums compared to a standard table rated policy.

We work with hundreds of insurers and would be happy to help you find a life insurance policy.  Please feel free to call or email us at any time.  As a side note,  the Lupus foundation of America is a good resource for those who have been recently diagnosed with Lupus.  Click here for the site LUPUS FOUNDATION OF AMERICA SITE

Do you have questions about this blog?

We are happy to answer any questions you may have.  Give us a call at 203-796-5403 or email Edward@croweandassociates.com

Crowe & Associates can offer clients the lowest cost life insurance utilizing quote software which compares all insurance company quotes.   We will provide the print out to clients so they can see which company is currently making the best offer.

We can help you determine the type of life insurance you need (Term vs. Permanent)  – We will help you decide which is best for your situation. Currently-our clients are choosing term insurance about 70% of the time.  We can also help you find the lowest cost plan.  For term insurance, this is currently protective life and American National depending on age and amount of insurance.   The lowest cost carrier changes every 4 of 5 months so we run new quotes for every client.

For permanent insurance the company offering the best price changes depending on your age but the most competitive are Aviva, Genworth, Lincoln Financial and NorthAmerican.

Call or email us if you would like to get a quote.  We will provide quotes over the phone or by email.

Vantis Life offers a 100% guaranteed issue life insurance plan with the lowest rates available in CT. The plan is 100% guaranteed issue with no health questions or verification phone calls. Anyone will be accepted in this plan regardless of all health conditions.

The plan will also build a cash value which can be borrowed against in future years. Premiums will never increase and the policy can not be cancelled as long as payments are made. Issue ages in CT are 50 to 80 years old with coverage amounts from $5,000 to $20,000 dollars.

Vantis was founded in 1942 and is currently rated A-(Excellent) from A.M. Best. They offer the Guaranteed Golden Plan in 45 states throughout the country.

Rates and applications may be accessed below

vantis rates CT

Vantis Application CT

Applications may be printed out and sent into Vantis directly or they may be sent to Crowe & Associates for processing. Crowe & Associates will review applications to ensure they are complete prior to submission to Vantis. Applications can be sent to Crowe & Associates by the following methods

Fax- (203)-567-6235

Email- Edward@Croweandassociates.com

Mail- Crowe & Associates, 155 Main Street, Suite 205 Danbury, CT 06810

Additonal questions may be emailed to Edward Crowe at Edward@CroweandAssociates.com or by phone at (203)-796-5403