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American Amicable

AMERICO

Ameritas FLX Term

Columbian Financial Group - CFG

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Foresters

Strong Foundation - Application
SF Searchable
Strong Foundation & SmartUL - UW Guide
Foresters Playbook
Critical and Chronic Issue age 75 and younger / Terminal all ages
PlanRight - Application 2019
PlanRight - UW Guide 2019(includes RX combos for Diabetes resulting in BASIC DB)
Juveniles
- For SMART UL and Advantage Plus II, if the Proposed Insured’s age is LESS than 16 and the Owner is NOT the Parent or Legal Guardian, you need both the Owner’s and the Parent or Legal Guardian’s signatures.
- For Term, SMART UL and Advantage Plus II, if the Proposed Insured is age 16 or 17, the signature of their Parent or Legal Guardian is required.
- Signature required at 16 and 17, plus parent per above.
- BrightFuture and Prepared II are excluded from these new requirements.
Bright Future (0-17)
- Product Guide
- ADB Terminal Only, Common Carrier AD, Family Health Benefit
- Age 16 will get member benefits, 18 for LawAssure and Community Grants
- Executor of Estate becomes owner if parent dies before child is 18.
- Child at age 18 becomes owner
- Member Benefits at age 18 for scholarship $2500 per year up to 4x = $10,000
- G.I. Rider would be for UL or Adv Plus with LB.
Immigration Guidelines
Member Benefits
Replacement Guidelines
Quoter