P A IP C LIFE ’S TOP PICKS 2015 www.pipaclife.com 1521 Technology Parkway | Cedar Falls, IA | 50613 Life Insurance Table of Contents Table of Contents Whole Life Cincinnati Life Insurance Whole Life................................................................... 3 Index Universal Life................................................... 4 Guaranteed Universal Life......................................... 5 Survivorship Universal Life....................................... 5 Return of Premium (ROP)........................................ 6 Term............................................................................. 7 Voluntary Life............................................................. 8 Annuities Fixed/Multi-Year Guarantee..................................... 9 Indexed Short-Term................................................... 10 Indexed Mid-Term.....................................................10/11 Indexed Long-Term...................................................12 Linked Benefits Linked Benefits-Life with LTC.................................. 13/14 Linked Benefits-Annuities with LTC....................... 15 Meet PIPAC LIFE Meet the Staff............................................................... 16 Page 2 866.452.3670 | www.pipaclife.com Product: LifeHorizons Whole Life Issue Ages: 0-85 Minimum Face Amount: $10,000 Highlights: Non Participating • “Old School” whole life • Best for final expense and young children • Single pay, 10 pay and lifetime pay options SBLI Product: Whole Life Issue Ages: 0-80 Minimum Face Amount: $25,000 Highlights: New to market • Great cash accumulation • Participating whole life • Multiple premium options • GPO thru age 50 Sagicor Product: Gold Series Issue Ages: 0-85 Minimum Face Amount: $5,000 Highlights: SPWL •10% premium bonus • ROP feature • LTC Rider • Simplified Issue • Lazy Money Concept • Great Underwriting Transamerica Product: Solutions Final Expense Issue Ages: 0-85 Minimum Face Amount: $1,000-$50,000 (Age Determined) Highlights: Simplified Issue Final Expense • Lifetime and 10 Pay Options • Graded Death Benefit for non-qualifying health • 3 day policy issue Gerber Product: Guaranteed Issue Whole Life Issue Ages: 50-80 Minimum Face Amount: $5,000 Highlights: Guaranteed Issue • NO HEALTH QUESTIONS • $25,000 maximum benefit • Fast Application or Electronic Application Available • Great for Final Expense or Tough Underwriting Cases All products are subject to change. Page 3 Life Insurance Index Universal Life Guaranteed Universal Life Cincinnati Life Minnesota Life Product: Omega Builder Issue Ages: 0-80 Minimum Face Amount: $100,000 Highlights: Proprietary Product • Death Benefit Payout Options • Great for Children Cash Accumulation/ College Funding plans/ Supplemental Retirement Plans Minnesota Life Product: Eclipse Protector Issue Ages: 0-90 Minimum Face Amount: $100,000 Highlights: Performance Death Benefit Guarantee Rider - can use excess cash value to pay up policy early • LTCI Rider • Premium Deposit Acct North American Product: Rapid Builder Issue Ages: 0-80 Minimum Face Amount: $100,000 Highlights: 2nd to Omega Builder • Builds early cash value • Great for Supplement Retirement Planning, College Funding, and Executive Bonus Product: LifeSetter UL Issue Ages: 18-75 Minimum Face Amount: $50,000 Highlights: Great for younger clients with high face amounts • Pay to age 100 with Guarantee to age 121 • No premium restrictions • Actual Age rating North American Product: Custom Guarantee (Gen 8) Issue Ages: 0-59, 60-85 Minimum Face Amount: $50,000, $25,000 Highlights: Good with 1035 exchanges • Top Choice on Lower Face Amounts • Great GUL for children policies • Dial A Guarantee Available Protective Life Product: Custom Choice Issue Ages: 18-85 Minimum Face Amount: $100,000 Highlights: Good with short guarantees (age 90, 95, 100) • Excellent height/ weight tables Life Insurance Survivorship Universal Life Lincoln Financial Equitrust Product: WealthMax Bonus Issue Ages: 50-85 Minimum Face Amount: $100,000 Highlights: SPIUL• 12% premium bonus • ROP feature • LTC Rider • Simplified Issue • Lazy Money Concept Page 4 Life Insurance 866.452.3670 | www.pipaclife.com Product: LifeGuarantee SUL Issue Ages: 20-85 Minimum Face Amount: $100,000 Highlights: Competitive premiums • Coverage Protection Guarantee • Good UW Minnesota Life Product: Eclipse Survivor IUL Issue Ages: 20-90 Minimum Face Amount: $200,000 Highlights: Fixed Indexed UL • 1 year PT to PT at 140% participation • First to Die Rider great for Trust & Business cases (offers additional cash flow) All products are subject to change. Page 5 Life Insurance Life Insurance Return of Premium Term (ROP) Cincinnati Product: Termsetter ROP Issue Ages: 18-65 Minimum Face Amount: $25,000 Highlights: Actual Age • ROP features cash return on premiums, paid up insurance or a combination of both • Chewers,cigar and pipe users nontobacco Term Cincinnati Product: Termsetter Issue Ages: 0-75 Minimum Face Amount: $25,000 Highlights: Actual Age • Cigar smokers, chewers and pipe smokers may receive non-smoker rates • Extremely competitive at lower face amounts SBLI ING/VOYA Product: ROP Endowment Issue Ages: 18-60 Minimum Face Amount: $100,000 Highlights: Guarantee periods—20,25,30 • Competitively priced Product: Level Term Issue Ages: 18-74 Minimum Face Amount: $100,000 Highlights: Convertible to age 70 • Competitive at $250,000 death benefit and up • Great build charts for underwriting Prudential Transamerica Product: Return of Premium Term Issue Ages: 18-65 Minimum Face Amount: $100,000 Highlights: Guarantee periods—15,20,30 • Convertible to age 65 • Cigar smokers, Chewers, and pipe smokers may receive non-smoker rates One contract for all carriers! SureLC is a universal contracting system that many of our carriers accept. With SureLC, you will only Universal Contracting be required to complete your contracting once. With PIPAC’s dedicated licensing department, you will get contracted quickly and easily. Please contact Jenny Cunningham directly at 319.268.7121 or 866.452.3670 or [email protected] with any contracting questions. SureLC Page 6 866.452.3670 | www.pipaclife.com Product: Trendsetter LB Issue Ages: 18-60 Minimum Face Amount: $25,000 Highlights: Living Benefits Rider: Chronic/Critical/Terminal Illness ABR • Non-Med underwriting up to $249,000 Minnesota Life Product: Advantage Elite Select Issue Ages: 18-65 Minimum Face Amount: $25,000 Highlights: New Benefit Distribution Agreement allows flexibility on your term product with premium options• Spreads out death benefit over 10-30 years to lower COI All products are subject to change. Page 7 Life Insurance Voluntary Life Cincinnati Product: Worksite Term 10 Issue Ages: 18-70 Minimum Face Amount: $10,000-$100,000 Cincinnati Product: Worksite Term 20 Issue Ages: 18-60 Minimum Face Amount: $25,000-$100,000 Annuities Fixed/Multi-Year Guarantee Cincinnati Product: LifeHorizons SPDA Issue Ages: 0-80 Minimum Face Amount: $5,000 Highlights: Single Premium • 100% principal guarantee • 10% annual free withdrawal • 7 yr surrender Equitrust Product: Worksite Term 20 ROP Issue Ages: 18-46 Minimum Face Amount: $25,000-$100,000 Product: Certainty Select Issue Ages: 0-90 Minimum Face Amount: $10,000 Highlights: Multi-Year Guarantee (MYGA) for 3,5,6,8,10 yrs • After year one 10% free withdrawal Cincinnati North American Cincinnati Product: Worksite Whole Life Issue Ages: 0-70 Minimum Face Amount: $5,000-$50,000 Cincinnati Product: Worksite Universal Life Issue Ages: 0-70 Minimum Face Amount: $5,000-$50,000 *Highlights for all Voluntary Life Products: Employee Payroll Deduction Voluntary Benefit program • Term, Return of Premium (ROP) Term, Universal Life and Whole Life available • 100% Portability (Employee Owned) Policy • Guarantee Issue on 5+ eligible employees - Simplified Issue on Groups less than 5 • Policies available to Spouse, Children and Grandchildren on Simplified Issue basis Page 8 866.452.3670 | www.pipaclife.com Product: Guarantee Choice Issue Ages: 0-90 Minimum Face Amount: $10,000 NQ / $2,000 Q Highlights: Multi-Year Guarantee (MYGA) for 4 to 10yrs • After 30 days interest only free withdrawal Guggenheim Product: Preserve MYGA Issue Ages: 0-90 Minimum Face Amount: $10,000 NQ / $5,000 Q Highlights: Multi-Year Guarantee (MYGA) for 3-10 yrs • After year one 10% free withdrawal “If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.”~Suze Orman All products are subject to change. Page 9 Annuities Indexed Short-Term Annuities Indexed Mid-Term (Cont’) VOYA American Equity Americo (legacy) Sagicor Product: Secure Index 5 Issue Ages: 0-80 Minimum Face Amount: $15,000 Highlights: ROP feature •Interest Rate Benchmark strategy • Lazy Money Concept Product: LibertyMark 7 Issue Ages: 0-85 Minimum Face Amount: $10,000 Highlights: Great for short-term wealth accumulation Annuities Indexed Mid-Term Equitrust Product: Market 10 Bonus Issue Ages: 0-80 Minimum Face Amount: $30,000 Highlights: ROP feature • 6% premium bonus first 5 yrs of contract • Income for Life rider 6.5% compounded rollup 15 yrs (rider cost 75 bps) • Lazy Money Concept Fidelity & Guarantee Product: Safe Income Plus 10 Issue Ages: 0-80 Minimum Face Amount: $10,000 Highlights: Great Income Rider • Enhanced payout for LTC Page 10 866.452.3670 | www.pipaclife.com Product: Retirement Gold Issue Ages: 0-78 Minimum Face Amount: $5,000 Highlights: 8% Premium Bonus • 6 income rider options Product: Sage Advantage Issue Ages: 0-85 Minimum Face Amount: $2,000 Highlights: ROP feature • 5% premium bonus vests day 1 • Global Index strategy 60/40 split of winners • Lazy Money Concept Americo (Legacy) Product: LibertyMark 10 Issue Ages: 0-85 Minimum Face Amount: $5,000 NQ/ $2,000 Q Highlights: Great for Wealth Accumulation • 2 yr reset pt to pt with an 80% par rate and no cap on the S&P 500 • 80% of the index growth with no AMP Agent Marketing Program AMP up your sales with PIPAC LIFE’s Agent Marketing Program. We want to work with you to either find or create great marketing pieces to help you prospect clients for more sales. Our in-house marketing team will search through carrier pieces, or with your help, custom create specific pieces you can send out or we can assist in sending! All products are subject to change. Page 11 Annuities Indexed Long-Term Linked Benefits Linked Benefits-Life with LTC Equitrust State Life Equitrust Genworth Product: Market Power Bonus Issue Ages: 0-75 Minimum Face Amount: $20,000 Highlights: 10% premium bonus contract • Income for Life rider 6.5% compounded rollup 15 yrs (rider cost 75 bps) Product: Market Twelve Bonus Issue Ages: 0-75 Minimum Face Amount: $30,000 Highlights: 6% premium bonus • 2% accumulation bonus yrs 2, 3, 4 • Income for Life rider 6.5 % compounded rollup 15 yrs (rider cost 75 bps) North American Product: Retire Choice 14 Issue Ages: 0-75 Minimum Face Amount: $20,000 Highlights: 8% premium bonus first 5 yrs of contract • Inverse Preferred Trigger Index • Supports 2/3 right sales concept • 3 income rider options • ROP Option • Lazy Money Concept Product: Total Living Coverage Issue Ages: 18-79 Minimum Face Amount: $50,000 Highlights: 90 day elimination • Single Pay • 10% Residual Face • ROP feature after year 2 • 2-8 year benefits periods for LTC • Couple’s discount and preferred discounts available fully underwritten Lincoln Product: MoneyGuard II Issue Ages: 40-79 Minimum Face Amount: $50,000 Highlights: UL plan • 0 day elimination • Single and Short Pay Options • 5% Residual Death Benefit • ROP available options • 2-7 year LTC Benefit • Couple’s Discount Sagicor American Equity Product: Bonus Gold Issue Ages: 0-80 Minimum Face Amount: $5,000 Highlights: 10% premium bonus • Great for Long Term Play • 6 income rider options Page 12 Product: ASSET Care IV Issue Ages: 20-80 Minimum Face Amount: $100,000 Highlights: Whole Life • Lifetime or Short Pay Options • 60 day elimination • 25-33-50 month LTC benefit period • Lifetime Benefit Options Rider Minimum face for ages 51+ is $50,000 866.452.3670 | www.pipaclife.com Product: Gold Series Issue Ages: 18-85 Minimum Face Amount: $5,000 Highlights: SPWL• 10% premium bonus • ROP feature • LTC Rider • Lazy Money Concept • Simplified Issue • Great Underwriting • Death Benefit paid out in 33 months for HHC or facility care • Indemnity Cash Payouts All products are subject to change. Page 13 Linked Benefits Linked Benefits-Life with LTC (Cont’) Sagicor Product: Gold Series Issue Ages: 18-85 Minimum Face Amount: $5,000 Highlights: SPWL• 10% premium bonus • ROP feature • LTC Rider • Lazy Money Concept• Simplified Issue • Great Underwriting • Death Benefit paid out in 33 months for HHC or facility care • Indemnity Cash Payouts Equitrust Product: WealthMax Bonus Issue Ages: 50-85 Minimum Face Amount: $10,000 Highlights: SPIUL • 12% premium bonus • ROP feature • LTC Rider • Lazy Money Concept• Simplified Issue • Death benefit paid out in 60 months for HHC • 36 months for facility • Indemnity Cash Payouts State Life Product: ASSET Care I Issue Ages: 40-80 Minimum Face Amount: $10,000 Highlights: Single Premium Whole Life • 60 day elimination • Joint Care Option • 25-33-50 month LTC benefit period • Lifetime Benefit Options Rider State Life Product: ASSET Care II & III Issue Ages: 591/2-80 Minimum Face Amount: $20,000 Highlights: Qualified & Non-Qualified Annuity funded • 25-33-50 month LTC benefit period • Lifetime Benefit Options Rider Page 14 866.452.3670 | www.pipaclife.com Linked Benefits Linked Benefits-Annuities with LTC State Life Product: Annuity Care Issue Ages: 50-85 Minimum Face Amount: $10,000 Highlights: Q & NQ funds • 7 day elimination • Pension Protection Act compliant tax advantaged disbursement for LTC • Optional Extension of Benefits Rider State Life Product: Annuity Care II Issue Ages: 40-80 Minimum Face Amount: $10,000 Highlights: NQ funds • 90 day elimination • Pension Protection Act compliant tax advantaged disbursement for LTC • Extension of benefits rider comes with plan - your choice of 3, 6, or 9 yr extension State Life Product: ASSET Care II & III Issue Ages: 591/2—80 Minimum Face Amount: $20,000 Highlights: Q & NQ annuity funded 20-pay Whole Life • 25-33-50 month LTC benefit period • Lifetime Benefit Options Rider Quote Today! Let PIPAC LIFE make it easy! Call today and have a sales team member work with you one-on-one. Contact Travis Cagley at [email protected] 268-7114 or Kyle Reisinger at [email protected] today 268-7105. Or if you prefer to run your own life quotes go online to pipaclife.com. Access quoting by going to the left column of our website home page under “Quick Quotes.” All products are subject to change. Page 15 Meet the Staff of PIPAC Life Brokerage Josh Petersen VP of Sales Josh evaluates the financial industry trends, finding concepts and products that meet the needs of clients in today’s market. He also provides agent training on our top selling carriers and products though meetings and webinars. All this is done to help agents help their clients and increase their blocks of business. 319.268.7113 [email protected] Bri Schimek Department Coordinator Bri focuses on the day to day operations of the PIPAC LIFE department along with marketing programs and supply management. 319.268.7132 [email protected] Travis Cagley Advanced Sales Travis is a Chartered Life Underwriter, CLU® specializes in PIPAC LIFE's Advance Sales and is here for all your questions on Advanced Life and Annuity case design sales. Travis will help guide you through the advance sales process and give you recommendations on strategies and products based on his expertise. 319.268.7114 [email protected] Kyle Reisinger Sales Kyle works with the PIPAC LIFE Sales team. He does life prescreens, life quoting, and is there for your sales product solutions and recommendations. 319.268.7105 [email protected] Amber Piper Case Manager Amber heads up PIPAC LIFE’s Case Management. She assists in the application and underwriting process, delivery and in-force policy services. She also focuses on PIPAC LIFE’s Worksite Life products. 319.268.7108 [email protected] Dena Larsen Recruiting/Marketing Representative Dena is responsible for recruiting and welcoming new agents with PIPAC LIFE. She also assists with agent marketing and helps out at trainings and events for PIPAC LIFE. 319.268.7112 [email protected] 866.452.3670 | www.pipaclife.com Rev. 1/7/15
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