To activate Head Start program you must click "exclude from application" on the needs based survey for any adults

 

Needs to be at least 14 days old

Maximum $25,000

With the Guaranteed Insurability Option, they can get additional insurance with no medical questions at ages 25, 28, 31, 34, 37, 40, and can be moved up when married or when they have their first child

With the Guaranteed Insurability Option, they can get additional insurance with no medical questions at ages 25, 28, 31, 34, 37, 40, and can be moved up when married or when they have their first child

 
 

**Does Not Apply To Agents In MA**

Senior graded whole life ages 60-80

Payout if they pass in; 

-year 1 = 25%

-year 2 = 50%

-year 3 = 75%

-year 4 and on, 100% of payout 

  • Other major companies, like Colonial Penn, will not give death benefit if you pass in first 2 years

  • Payout is always more than premiums paid in

  • With graded program, we are able to accept many seniors with a wider range of medical issues