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EasyTerm & Final ExpenseAmerican-AmicableIMPORTANT! Applicants who are considered high risk or declinable should not be sent to American Amicable for consideration. For clients that have health issues or would not qualify for standard, refer to the Ask the Dr. under Impaired Risk Cases. Eligibility for coverage is based on a simplified application, liberal height and weight chart, a check with the Medical Information Bureau (MIB) and pharmaceutical related facility, Motor Vehicle Report, and a telephone interview (if applicable). American Amicable has three simplified issue (non-medical) products Easy Term, Family Solution and Golden Solution. The Easy Term, Family Solution and Golden Solution plans are NOT Guarantee Issue plans. Easy Term Applicants that have been rated or declined at another company should not apply for Easy Term. Easy Term is a simplified issue term to age 95 life insurance plan with 10, 20 and 30 year level premium periods. Also available as a Return of Premium Plan (ROP) (where approved) for the 20 and 30 year level premium periods. The Easy Term plan is issued standard for applicants who would normally be considered up to table 4 by most underwriting standards today. Refer to the Easy Term Agent Guide below for a list of automatic declines; build charts, underwriting requirements and rate cards. Easy Term - Simplified Issue term 10, 20 and 30 year level term, 20 and 30 with return of premium, featuring an optional disability income and critical illness riders Easy Term PowerPoint Presentation Family & Golden Solutions The Family Solution and Golden Solution are final expense (burial expense) whole life policies that have three different plans. Depending on your client’s answers to questions 1 through 9 on the application will determine what plan they qualify for. Refer to the Agent Guides below to view the plans, rate cards and underwriting guidelines. Family Solution - (Ages 0-44) Final expense plans with Immediate and return of premium Golden Solution - (Ages 45-85) Final expense plans with Immediate, Graded death benefit and return of premium Training Powerpoint - Family Solution and Golden Solution PowerPoint presentation Licensing & Contracting Appointment Application Request Form - There are 12 states that require an agent to be fully appointed before they can write any business (GA, IN, LA, MO, MT, NC, NJ, NM, OR, PA, TX, and UT). Please note that the following states are processed by Occidental Life Insurance Company: IA, MA, MI, NJ, RI, and VT. Once you are appointed to write business, you will receive a username and password and have access to all the tools and resources available on the American-Amicable website, or the Occidental Life Insurance Company Website, for IA, MA, MI, NJ, RI, and VT |
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