Foresters is a fraternal benefit society with over 150 years of history caring for their members. We feel the combination of their financial strength, member benefits, history of charitable giving, and overall social consciousness makes them an outstanding addition to any agent’s group of carriers. The “A” rated company offers a full suite of products including:
- Your Term – very competitive fully underwritten Term product.
- Strong Foundation – Non-Med Term that is diabetic friendly and has non-tobacco rates for non-cigarette alternative tobacco users and marijuana users.
- Advantage Plus – Participating Whole Life product with great dividend history.
- Smart UL – Universal Life for cash accumulation.
- Planright – a Simplified Issue Whole Life product geared to the final expense market.
- BrightFuture – a juvenile Whole Life policy that can have the parent, grandparent, or legal guardian as the owner.
- Prepared II – a stand-alone accident only policy.
North American was founded in 1886. As a privately held company that is a member of Sammons Financial Group, North American remains focused on the long-term goal of perpetuating itself for hundreds of years. With flexible product options and some of the strongest Indexed Universal Life offerings, North American Company is a strong partner for our independent agents and their customers. Their product line includes:
- Builder Plus IUL 2 – designed for maximum cash accumulation.
- Protection Builder IUL – provides a guaranteed death benefit while using the index account to build cash value.
- Smart IUL – designed to build early cash value and provide early access to the cash value. Offers a waiver of surrender charge rider.
- Custom Guarantee UL – a Universal Life policy with a guaranteed death benefit flexible to any age up to 120.
- ADDvantage Term – Term coverage with very competitive rates. Convertible to permanent coverage.
Transamerica Life Insurance Company has stood for innovation since 1906 and was built on the idea that financial security should be available to everyone. As a powerful force in the Life Insurance industry, Transamerica brings brand name recognition and a compelling life insurance portfolio, making them a must have for any independent agent. Their lineup includes:
- Trendsetter Super – one of the most competitive Term offerings in the industry.
- Trendsetter LB – Term coverage with Living Benefits.
- Lifetime Whole Life – non-participating with 10 pay, 20 pay, 30 pay, and pay to 100 options.
- Solutions – Simplified Issue Whole Life final expense policy with a unique Children/Grandchildren Benefit rider.
- Solutions Juvenile – Simplified Issue Whole Life for issue ages 0-17.
- Financial Foundation IUL – Indexed Universal Life with Living Benefits and an available Long Term Care rider.
- Financial Choice IUL – offers a variety of index options and policy features to maximize accumulation potential.
Ameritas Life Insurance Company was founded in 1887 as The Old Line Bankers Life Insurance Company of Nebraska (Bankers Life). In 1988, after years of growth and diversification, Bankers Life changed its name to Ameritas Life Insurance Corp. Their mutual advantage includes their commitment to do what’s best for the diverse needs of individuals, families and businesses rather than third-party stockholders; to focus on long-term financial strength rather than short-term quarterly returns. Products include:
- FLX IUL – Indexed Universal Life with Non-Med and fully underwritten options and a unique lien approach to paying Living Benefit claims.
- FLX Term – Non-Med and fully underwritten options with built in Living Benefits.
United of Omaha Life Insurance Company Owned by Mutual of Omaha, the company incorporated August 9, 1926 under the laws of Nebraska as the United Benefit Life Insurance Company and commenced business on November 26, 1926. The present name was adopted in 1981. All outstanding shares of United of Omaha Life Insurance Company are owned by Mutual of Omaha Insurance Company. As Mutual of Omaha Insurance Company’s main subsidiary, it concentrates its activities on individual life and annuity products. United of Omaha Life Insurance Company has traditionally showed considerable expertise in the areas of life underwriting.
Gerber Life Insurance has been providing budget-friendly life insurance so that children and adults can have greater financial protection. With Gerber Life, applying for a policy is easy and simple. You can count on us for insurance plans for the entire family that offer the reliability, flexibility, and peace of mind you deserve. Product offerings include:
- Guaranteed Issue – Whole Life policy with no health exam or health questions.
- Grow-Up Plan – Whole Life policy for juveniles 0-14. Initial coverage doubles at age 18.
- College Plan – Individual Endowment Insurance providing guaranteed premiums and guaranteed accumulation with flexible maturity options.
- Accidental Protection Plan – stand-alone Accidental Death and Dismemberment coverage.
