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Term IPA offers the same products that you can purchase from the "insurance factories." 5, 10, 15, 20 and 30 year term with options for full guarantees. Universal Life We also sell and service Universal Life policies with all of the options that you can elect for cash savings and look alike term products. Whole Life Whole Life policies participating and non-participating preferred and standard rates as well as table ratings and flat extras if warranted. All the traditional dividend options applicable to Whole Life. Simplified and Guaranteed issue underwriting Whole Life products available. Disability Insurance Standard and Impaired Risk Disability Insurance from the top carriers with all of the traditional riders available. Blue collar and white collar distinct companies available. Long Term Care Not so fast, say the term lifers. The only reason to have fast life insurance is to replace the lost income of a family member who dies, and then only when the spouse or family is dependent on that income. If you are single with no dependents and no debts fast life insurance . If you are married and your spouse works, you probably do not need fast life insurance, either, assuming your spouse makes enough to support himself or herself. Many companies to chose from with all of the modern options available. If your client is not aware of "sticker shock" please make us aware and we will search for the lowest premium for your client with the best riders available.Annuities Single Premium Deferred Annuities, Single Premium Annuities and Flexible Purchase Premium Annuities available. Pick and choose from a selection of companies that fit the need for your client. Underwritten Single Premium Immediate Annuities to give your impaired risk client a better payout.
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