For producers that target the Latin market in the U.S., our organization provides bilingual sales
materials, underwriting, and service support across all product lines. Because of our long-standing
tradition in the Latin markets, we understand the issues that are critical to doing business in this
market successfully.
Individual Term Life Plans
Our term policies feature affordable, guaranteed rates and a conversion credit of up to 100%
of premiums paid when switching to universal or whole life. Term polices are available in two product
classes: 10-year level term, 20-year level term.
Individual Universal Life Plans
Our Universal Life Portfolio includes a variety of unique plans, each with competitive pricing,
easy-to-understand coverage and tax-deferred cash accumulation. There are no medical examinations
required for policies of $100,000 or less up to age 50, and competitive underwriting classes that
reward healthy lifestyles. We also offer unique policy provisions that could provide tax-free distributions
during retirement: extended coverage beyond age 100 that ensures that the policy matures as a death benefit;
fully paid-up, reduced coverage which avoids taxes that may be triggered upon lapse; and wash loans which
allow for higher non-taxed income flow.
Additional Features:
- Deductible Salary Continuation -- providing non-qualified salary continuation with tax deduction.
- 1035 Loan Rescue -- eliminating policy loans with no adverse tax consequences.
- Social Security income replacement
Interested in becoming a producer?