Who's NOT eligible for coverage?
- If presently hospitalized, confined to a clinic, a nursing home, a rest home a special care institution or at your residence.
- If have been treated with any type of cancer during the past 2 or 3 years?
- If have been informed to have tested positive for the HIV or have been informed to have Acquired Immune Deficiency Syndrome (AIDS) or AIDS-related disease.
Underwriting
- Simplified applications on Yes/No basis.
- The health history portion of the application "walks you through" the needed information.
Product Guides
Who is the ideal customer for our Simplified Issue products?
GOLDEN PROTECTION & GOLDEN PROTECTION PLUS
Do you have clients that have not prepared for their final expenses ? or perhaps their parents are without any life insurance and would like to ensure funds are available for their end of life plans. Golden Protection and Golden Protection Plus meet this immediate need for your client and their loved ones. Easy to qualify for and coverage starts as soon as the policy is issued. We have many marketing resources for you to use - but your customers wont know you have this coverage if you don?t inform them.
Perhaps you have a client that would like to purchase additional coverage but because of their health ? maybe diabetes, high blood pressure and obesity - makes it difficult for them to get more protection ? Golden Protection is the answer! Think about that ? policy is issued within 48 hours!
CRITICAL PROTECTION
For less than a dollar a day a 35 year old female can purchase $30,000 of Critical Illness protection! That?s less than a cup of coffee. Our CI product has 5 questions that eliminate the unhealthy risk ? but provide coverage in 24 hours for your healthy client ? now that is good news! AND there is NO question on Family History! Just remember ? sell Critical Protection FIRST ? because if your client has been declined or rated in the last 2 years they will not be eligible! Don?t delay ? this is CI coverage that your customer can afford!
TOTAL PROTECTION
Has your client been recently declined? Are they ill prepared for final expenses and think that they are uninsurable? Think again! With only 3 questions your client has an excellent chance of getting coverage with Total Protection. A two year deferral plan ? that gives your client all their premiums back plus 3 % if they die of natural causes in the first 2 years. So dig your declines out of the drawer and start selling today!
Are you a prospective client looking for a FREE quotation, please fill-out your personal information and we will respond promptly:
Click here to a see a final expense product video
For Your Personal Broker Kit,
Marketing Department
555 Burnhamthorpe Rd. Suite 600, Etobicoke, Ontario M9C 2Y3
Tel:(416) 626-5044 Fax:(416) 626-5068
Toll Free: 1-866-396-5445
E-mail: marketing@versatilefinancial.com
