Life & Financial Dashboard

2024 Annuity Rates

Annuity Rate Watch

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The AMP it Up Channel features past recordings of the AMP series followup webinars for AMP students who have completed the class on Empower University.

For access to the channel, please contact:

Derek Baltimore

dbaltimore@empowerbrokerage.com

Katelyn Culp

kculp@empowerbrokerage.com

• Download Agent Checklist: Selling Annuities
• Download Annuity Consumer Brochure
• DownloadTraining Requirements by State

Lincoln Optiblend

• Optiblend Rates
• Performance Trigger

Carrier Portals

Life Carrier Sheet

• A – Z Impairment Forms Pack
• Alcohol Usage
• Angioplasty
• Anxiety Disorders
• Arthritis
• Atrial Fibrillation
• Authorization to Release Results
• Avocations
• Build
• Bundle Branch Block
• Cancer (Bladder)
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• Coronary Artery Disease
• Coronary Bypass
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• Cushing Syndrome
• Dementia / Alzheimers
• Depression
• Diabetes
• Down Syndrome (Intellectual Disability)
• Driving
• Drugs
• Eating Disorders
• Emphysema
• Enlarged Heart
• Epilepsy
• General Use Questionnaire
• Glomerulonephritis
• Heart Attack (Myocardial Infarction)
• Heart Failure
• Heart Murmur
• Hemochromatosis
• Hepatitis
• Hypercoagulable Disorder
• Hyperglycemia
• Hypertension
• Irregular Heartbeat
• Kidney Function Tests
• Kidney Transplant
• Leukemia
• Liver Tests
• Lung Disease
• Lupus
• Lymphoma
• Mental Disorders
• Mitral Valve Disorder
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• Multiple Sclerosis
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• Paralysis (Similar Physical Disability)
• Parkinson’s Disease
• Personality Disorders
• Pheochromocytoma
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• Polyp / Cyst / Tumor / Growth
• Prostate (Benign Prostatic Hypertrophy) – Prostatitis
• Proteinuria (Protein in Urine)
• PSA Elevated
• Sarcoidosis
• Scleroderma Crest
• Seizure Disorder (Epilepsy)
• Sickle Cell Anemia
• Sleep Apnea
• Spinal Cord Injury (Plegic)
• Stent
• Stroke (TIA)
• T-Wave Changes
• Thrombus Hypercoagulable Clotting Disorder
• Thyroid Disease
• Valvular Heart Surgery

• DownloadAgent Resources
• Download Final Expense Consumer Flyer

• DownloadConsumer Flyer
• DownloadConsumer Flyer – Spanish

Three Types of Carriers:

1. Just-in-Time
2. Just-in-Time in all but some states
3. Not Just-in-Time
   

Accordia – Just in time (needs business)

American Amicable – Just in time (needs business)

American General ( AIG) – Just in time (needs business)

Assurity– Just in time (needs business)

Banner – Just in time (needs business)

Family life – is Not Just-in-Time and does not need business to become appointed

Fidelity  & Guaranty Life– Just in time (needs business)  if pre-appointment States – AL, D.C., IA, GA, LA, NC, NM, PA, UT (does not need business)

Foresters– Just in time (needs business) if a preappointed state does not need business CT, LA, *MA, *NM, PA

Genworth– Just in time (needs business)

Gerber– Just in time (needs business) if a preappointed state does not need business GA, LA, PA, WI, and Puerto Rico

Lincoln– Just in time (needs business)

National Guardian Life – Just in time (needs business)

North American– Just in time (needs business)

Reliastar/Voya– Just in time (needs business)

Settlers– must be contracted before writing an application

Transamerica– Just in time (needs business) witihin 15 days of the client signature date except for pre appointed states KS & PA

• DownloadAgent L & F Quick Reference
• DownloadAgent L&F Quick Reference PPT
• Download Consumer Life Brochure
• DownloadClient Coverage Worksheet

 

• Download Life Settlement Basics
• Download Life Settlement Fact Finder
• Download Life Settlement for Consumers

Click the link below to fill out and submit the online Life Settlement fact finder.

• CLICK LIFE CROSS-SALES KIT (PDF)
• CLICK VIVA LIFE ADDENDUM
• CLICK LIFE NEEDS ANALYSIS
• CLICK LIFE CASE REFERRAL

Select-a-term, Non-Med, Less than $100k & Max Accumulator + (IUL) $50,000 to $499,999 DB for ages 0 to 50.

Select-a-Term Brochure (pdf)

Max Accumulator Brochure (pdf)

Underwriting Playbook (web)

Policy Review (pdf)

All life products.
Express: Less than age 65,  up to $250k
Express Plus: Age 18 to 60, from $250,001 to $1MM

Program Info (pdf)

Underwriting Guide (pdf)

ANICO Site (web)

Term & Universal Life
Term, age 18 – 55, up to $400k
UL, age 16 – 55, up to $400k

Carrier Highlights (web)

Foresters Term Info (pdf)
Foresters UL Info (pdf)

Underwriting Guide (pdf)

Term Life Products
Simplified age 18 – 50, $25k to $300k
Age 51 – 65, $25k to $250k

Carrier Info (web)
Product Info (pdf)
Underwriting Guide (pdf)

Index Universal Life product
Tele-underwriting up to $1MM

VIDEO OVERVIEW

Program Guide (pdf)
Underwriting Training (web)
Underwriting Guide (pdf)

Term Life products
Simple Submit age 18 – 50, up to $1MM

Program Info (web)
Field & UW Guide (pdf)

Guaranteed level term, $100k to $500k

Carrier Link (web)