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[+] Whats Hot in Term Life
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[+] Term Life Resources
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AIG American General: Term Life - Return of Premium Term
* Competitive Underwriting
* Sibling health history doesn’t apply
* Allows 1 cigar per week for non-tobacco rate class
* Conversion credit
* Disability Rider available
AM Best:  A                 Standard & Poor’s:  A+
AIG Life Brokerage traces its brokerage roots to The Old Line Life Insurance Company of America (Milwaukee, WI) and All American Life Insurance Company (Chicago, IL), both acquired by American General Corporation as part of its acquisition of USLife Corporation in 1997. In 1998, the Old Line Life and All American Life operations were consolidated to form American General Brokerage Group.  When American International Group, Inc. acquired American General Corporation in 2001, the name AIG Life Brokerage was adopted.
  * Unique Select-a-Term with ‘off period’ term years available: 10, 12, and every    year between 15 and 35
* UL with guaranteed period to age 120
* Term with Return of Premium: 15, 20 & 30 years
AVIVA Life: Term Life
* Competitive Underwriting
* 12 months of no tobacco ='s Preferred Non-Tobacco
* Great commissions
AM Best: A                 Standard & Poor’s: A+
Aviva Life Insurance Company has a strong heritage in its ultimate parent, Aviva plc.  Aviaa plc is the oldest continuously operating insurance group in the world, with over 300 years of experience.  With Aviva, you will enjoy the benefits of working with a highly-rated global enterprise.  Since 2002, the combined US companies of Aviva have been a top provider of indexed life insurance.  Now, we have the financial backing of the world’s 5th largest insurer, with assets under management of more than $700 billion and annual premium and investment revenue of nearly $80 billion.  Aviva’s global brand presence, financial strength and scale ensure they will always be able to meet obligations of a growing customer base.  Their focus is on tomorrow and what they call Forward thinking.
  Term, 10, 15, 20, 30 years
  * Minimum $50,000
  * Competitive tobacco rates
  * Conversion credit
AXA: Term Life

* Annual Renewable Term                        
* Level Term 10-15-20-30 years
* Return of Premium Term 20-25-30 years

AM Best: A+                 Standard & Poor’s: AA

AXA Group is a worldwide leader in financial protection and weath management. AXA's opperations are diverse geographically, with major opperations in Western Europe, North America and the Asia/Pacific Area.

In the United States, AXA is represented through its holdings in AXA Financial Inc. and its subsidaries: AXA Equitable Life Insurance Company, AXA Advisors, AXA Distributors and Alliance Capitol Management and Sanford C Bernstein. AXA American Depositary Share (ADS) is listed on the NYSE under the ticker symbol AXA. AXA ordinary share is listed and trades under the same symbol on the Paris Stock Exchange and on the SEAQ International in London. For more information, visit www.axa.com/en.

  * Minimum $500,000
Banner Life: Term Life
* Liberal height/weight
* Very competitive underwriting
AM Best: A+                 Standard & Poor’s: AA
The history of Banner Life Insurance Company is more than 50 years strong. Chartered in 1949 as Government Employees Life Insurance Company (GELICO), they were acquired by Legal & General Group Plc as a wholly owned subsidiary in 1981. In 1983, the name was changed to Banner Life, signifying their flagship position with Legal & General America in the United States.
  Level Term, OPTerm 10, 15, 20, 30 year
* 36 months of non-tobacco qualifies for best rateclass
* No riders available
Fidelity Life: Term Life - Rapid Decision
*Non-med
* Pharmacy Records
* MIB
AM Best:  A-
Fidelity Life Association was established over a century ago as a fraternal benefit society in the state of Illinois designed to provide financial security for the growing middle class of the Midwest and Northern states. Today, Fidelity Life continues the tradition of serving the needs of Middle Americans through innovative products.

Fidelity Life has combined technology with underwriting innovation to create a unique, web-based underwriting process that speeds up the time needed to approve a policy. By utilizing the Internet and the active involvement of their underwriters, they virtually eliminate embarrassing exams, invasive tests and tedious delays so in coverage from Fidelity Life is within days, not months.
  Rapid Decision Term, 5, 10, 15, 20, 30 years
  * Up to $250,000 non-med
  * Approval in days, not months

Rapid Decision Mortgage Term, 15, 20, 30, 40 years
  * Up to $500,000 non-med
  * Approval in hours, not days

Graded Benefit Term, 10 year
  * Up to $250,000
Foresters :Term Life
* Proud Sponser of Children's Miracle    Network                      
* Great for Family Market
* Fraternal Benefits
AM Best: A                 Standard & Poor’s: ??

Forsters™ is a life insuance organization commited to helping idividuals and families achieve their financial security goals through its innovative portfolio of competitive life insurance and annuity products..

Headquartered in Toronto, Canada, Foresters is a fraternal benefit society that has more than 735,000 members - who are customers. Foresters shares its financial strength with its members by offering them more than just a financial product; eligible members also benefit from a special member benefits and community involvement opportunities to help them and their families to get more out of life. Eligibility for Foresters complimentary member benefits is a key part of the Foresters difference.

Beyond offering competitive products, Foresters is recognized for its financial strength and its enduring commitment to improving the health and well-being of children, families and the communities in which we live.

Forseters are distributed through a network of indipendent distribution partners in Canada, the United States, and the United Kingdom.

  * Non-med up to $350,000
* Designed a family plan by using riders
Genworth: Term Life
* Very competitive
* Allows “dual” agent contracting
AM Best: A+                 Standard & Poor’s: AA-
Genworth Financial, Inc is a leading financial security company with strong and expanding global operations, serving more than 15 million customers with a presence in more than 25 countries.  They provide innovative products that position them as industry leaders.  They are a publicly traded Fortune 500 company.
  Term Insurance, Sure Term 10, 15, 20, 30 years
  * Minimum $50,000
  * 12 months of no tobacco qualifies for Standard Non-tobacco
  * Very competitively priced


Return of Premium Term, VantagePoint 15, 20, 30 years

  * $100,000 minimum
  * Basic cash value
  * Enhanced cash value
  * Commissionable policy fee2
Liberty Life: Term Life
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Lincoln Financial Group: Term Life - Return of Premium
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Motorists Life: Term Life
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AM Best: A
Motorists Mutual Insurance Company was established in 1928. The company is a major regional property and casualty insurer. Motorists' personal lines, commercial lines and life insurance products are sold by a network of more than 2,800 agents working through approximately 600 independent agencies in a market of more than 32 million people. Motorists Life Insurance Company was formed in 1965.
  Level Term, 10, 15, 20, 25, 30, 40 years
  * Issue ages depend on plan
  * Maximum coverage period will not extend beyond age 85
  * 12 months of non-tobacco qualifies for Preferred Non-Tobacco
Prudential: Term Life
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Transamerica Family Market Insurance: Term Life
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Transamerica Life: Term Life
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United HomeLife: Term Life
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West Coast Life: Term Life
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AM Best: A+                 Standard & Poor’s: AA
In 1997, West Coast Life Insurance Co. became a member of the Protective Life Insurance Family. West Coast Life added its excellent reputation in the insurance industry amongst the brokerage community and, of course policyholders, to the growing list of the Protective Life family of policyholders.

West Coast Life was founded in 1906 and Protective Life in 1907. The two companies have forged the experience of almost 200 years in the life insurance business in America. West Coast Life's history includes more company "firsts" than most other companies can even imagine. And since 1997, West Coast Life has grown to be the crown jewel of the Protective Life Family.
  Level Term – Focus 10, 15, 20, 25, 30 years
  * Minimum $100,000
  * No tobacco for 1 year qualifies for Preferred Non-Tobacco
  * Relaxed underwriting guidelines for over age 70


2nd to Die Term

  * 10, 20 or 30 years
  * Will accept 1 uninsurable

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