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🔢 Quick FE Quote
Range estimates from carrier underwriting data
⚠️ Estimates based on underwriting data — get exact premium from carrier portal before presenting to client.
Comparing carriers…
Carrier Portals — Final Expense (click carrier to expand UW info)
Ages / Limits
Ages 45–85 | Face: $2,000–$25,000
Health Tiers
• Level Benefit — immediate full payout (clean 2-yr look-back)
• Graded Benefit — 2-yr waiting period (max $20k, impaired risk)
Hard Declines ✗
Active cancer (diagnosed/treated < 2 yrs)
Currently on dialysis
Terminal illness
Residing in care/nursing facility
HIV/AIDS
Alzheimer's / active dementia
Strategy Note
Most trusted FE brand — easiest senior close. Same-day approval common. Level plan requires clean 2-yr look-back. When declined, pivot to Americo.
Ages / Limits
Ages 45–85 | Face: $5,000–$30,000
Health Tiers
• Preferred — minimal history, best rates
• Standard — controlled chronic conditions ok
• Modified — most conditions accepted (2-yr graded wait)
Hard Declines ✗
Currently hospitalized or in ICU
Terminal illness (< 24 mo prognosis)
Currently on dialysis
Awaiting organ transplant
HIV/AIDS
Strategy Note
Highest FE commission (130%+). Goes to age 85. Modified plan accepts most conditions — great safety net when MOO declines. Always quote alongside MOO.
Ages / Limits
Ages 50–85 | Face: $2,000–$30,000
Health Tiers
• Preferred — clean health history
• Standard — minor controlled conditions
• Graded — impaired risk, 2-yr waiting period
• Modified — most conditions, graded benefit
Hard Declines ✗
Active chemo/radiation in progress
Currently on dialysis
HIV/AIDS
Alzheimer's / active dementia diagnosis (Standard+)
Strategy Note
Best impaired-risk FE carrier. Takes insulin-dependent diabetes, recent cardiac events (graded), COPD with O2. When MOO says no — go Americo first.
Ages / Limits
Ages 50–85 | Face: $5,000–$30,000
Health Tiers
• Preferred — clean health history, best rates
• Standard — controlled conditions ok
• Graded — most chronic conditions, 2-yr wait
Hard Declines ✗
Active cancer treatment
HIV/AIDS
Currently on dialysis
Living in assisted care facility
Strategy Note
Competitive pricing for older/impaired risk. Graded plan accepts most seniors who've been declined elsewhere. Use Quote Tool for fast side-by-side.
Ages / Limits
Ages 0–80 | Face: $2,500–$50,000
Health Tiers
• Preferred — clean 5-yr health history
• Standard — minor controlled conditions
• Graded — impaired risk, 2-yr waiting period
Hard Declines ✗
HIV/AIDS
Active cancer (any treatment in past 2 yrs)
Currently on dialysis
Terminal prognosis < 12 months
Strategy Note
Strong ages 50–80. 5-yr look-back for preferred class. Competitive rates for standard health. High face amounts (up to $50k) for FE.
Ages / Limits
Ages 18–74 | Supplemental products
Health Tiers
• Accident coverage — guaranteed issue
• Critical illness — simplified issue
• Hospital indemnity — simplified issue
Hard Declines ✗
Varies by product — generally broad acceptance for supplemental lines
Strategy Note
Chubb-backed supplemental lines. Cross-sell after binding FE — accident + critical illness are easy closes. Not a primary life product.
Ages / Limits
Ages 18–74 | Supplemental products
Health Tiers
• Accident — guaranteed issue
• Cancer rider — simplified issue
• Critical illness — simplified issue
• Short-term disability — simplified issue
Hard Declines ✗
Active cancer (cancer policy)
Currently on disability (STD policy)
Strategy Note
Cancer + accident riders are the most common FE cross-sell. Enter via Aetna Senior Products portal (stable entry point). Session-based links expire.
Strategy:
Term is the warm-up product — fast quote, fast bind, opens the IUL conversation. Always mention convertibility to IUL when binding term.
Carrier Portals — Term Life (click to expand UW info)
Ages / Limits
Ages 20–65 | Face: $20,000–$1.5M | Terms: 10/15/20/30yr
Health Tiers
• Instant decision (algorithm — no exam for most)
• Accelerated UW — no blood draw up to ~$1M
• Full UW — high face or health flags
Hard Declines ✗
BMI > 40
Active cancer (any)
Heart attack or stroke < 2 yrs
DUI < 3 yrs
Active felony conviction
HIV/AIDS
Strategy Note
Fastest approvals — often instant. Most leads get no medical exam. Start here for ages 20–55 with reasonably clean health. Digital-native process.
Ages / Limits
Ages 18–70 | Face: $25,000–$1M+ | Terms: 10/15/20/30yr
Health Tiers
• Preferred Plus — clean health, best rates
• Preferred — minor history ok
• Standard Plus
• Standard — broader conditions accepted
Hard Declines ✗
Active cancer
Uncontrolled diabetes
HIV/AIDS
Stroke < 2 yrs (Preferred/Preferred Plus)
Strategy Note
Best convertible term — converts to IUL without new underwriting. ALWAYS mention this when binding term with a client under 60. Use Quote Tool for fast range estimate.
Ages / Limits
Ages 18–70 | Face: $25,000–$500,000 | Terms: 10/20/30yr
Health Tiers
• Preferred — clean health history
• Standard — minor to moderate conditions
• Rated — accepts most impaired risk cases
Hard Declines ✗
Active cancer
HIV/AIDS
Active dialysis
Strategy Note
Best term for smokers and impaired risk. Takes most chronic conditions at standard or rated. Go-to fallback when Ethos/MOO decline or rate too high.
Ages / Limits
Ages 18–65 | Face: $100,000–$5M+ | Terms: 10/15/20yr
Health Tiers
• Preferred Plus — excellent health, best rates
• Preferred
• Standard Plus
• Standard — broader conditions
Hard Declines ✗
Active cancer
HIV/AIDS
Recent major cardiac event < 2 yrs
Uncontrolled diabetes
Strategy Note
Best for high-income / estate planning. Convertible to FlexLife IUL. Use when face > $500k or client is asking about max accumulation strategies.
Ages / Limits
Ages 18–70 | Face: $25,000–$300,000 | Terms: 10/20/30yr
Health Tiers
• Standard — controlled conditions accepted
• Rated — impaired risk, most conditions ok
Hard Declines ✗
Active cancer
HIV/AIDS
Currently on dialysis
Strategy Note
Best term for clients aged 60–70 who can't qualify for Ethos rates. Takes impaired risk up to age 70. Use Quote Tool for instant range.
IUL quoting:
Run illustrations directly on each carrier portal (iPipeline / Winflex). IUL cannot be accurately replicated with static rate tables.
#1 Default: Mutual of Omaha
Best cap history (10–13% S&P). Top brand trust. Simplified issue option. 1–3 day approval.
Issue ages 18–70 | $25k–$1M face
#2: Ethos
Instant decisions. Fully digital. Best for tech-comfortable leads. Same-day often.
Issue ages 20–65 | $50k–$1.5M face
#3: Americo
Accepts prior declines and impaired risk. Best fallback when MOO/Ethos don't fit.
Issue ages 18–65 | $25k–$1M face
Carrier Portals — IUL (click to expand UW info)
Ages / Limits
Ages 18–70 | Min premium: ~$100/mo | Face: $25k–$1M+
Health Tiers
• Standard UW — clean health, full underwriting
• Simplified Issue — limited health questions, no exam option
Hard Declines ✗
Active cancer
HIV/AIDS
Uncontrolled major conditions (Standard UW)
Strategy Note
Best cap history (10–13% S&P indexed strategies). Run MOO illustration first every time. Use Quote Tool for quick premium range before illustrating.
Ages / Limits
Ages 20–65 | Min premium: ~$150/mo
Health Tiers
• Algorithm-based UW — instant decision for most
• Accelerated UW — no blood draw up to ~$1M
• Full UW for high face
Hard Declines ✗
Same as Ethos term — BMI >40, active cancer, stroke/MI < 2 yrs, DUI < 3 yrs
Strategy Note
Fastest IUL approval. Good for digital-comfortable clients who want simplified underwriting and quick issue. Strong for ages 25–55.
Ages / Limits
Ages 18–65 | Min premium: ~$75/mo | Face: $25k–$1M
Health Tiers
• Preferred
• Standard
• Rated — accepts prior declines and impaired risk
Hard Declines ✗
Active cancer
HIV/AIDS
Active dialysis
Strategy Note
Best IUL fallback for impaired risk. Takes clients MOO and Ethos decline. Lower minimum premium — good for budget-conscious IUL clients.
Ages / Limits
Ages 18–65 | Min premium: ~$200/mo | Face: $100k–$5M+
Health Tiers
• Preferred Plus — excellent health
• Preferred
• Standard Plus
• Standard
Hard Declines ✗
Active cancer
HIV/AIDS
Recent cardiac event < 2 yrs
Uncontrolled DM
Strategy Note
Best for high-income / estate planning. FlexLife IUL has superior illustration flexibility. Use when face > $500k or max-accumulation strategy is the goal.
Qualification required:
Always confirm $50k+ rollover-eligible assets before presenting FIA. Do not lead with FIA — surface inside life/health conversations only.
Carrier Portals — Fixed Indexed Annuity (click to expand)
Ages / Limits
Ages 0–80 at issue | Min premium: $10,000
Health Tiers
• No medical UW — financial suitability only
• Suitability interview required
• FINRA compliant product disclosure
Hard Declines ✗
< $10,000 available premium
Age > 80 at issue
Client cannot meet surrender period (7–10 yr)
Unsuitable (needs full liquidity)
Strategy Note
Top accumulation FIA — multiple index strategies (S&P, Nasdaq, Russell). Best for IRA/401k rollovers $50k+. Confirm liquidity needs before applying. 10% free withdrawal/yr.
Ages / Limits
Ages 0–80 at issue | Min premium: $25,000
Health Tiers
• No medical UW — financial suitability only
• Income rider available (guaranteed lifetime withdrawal)
• FINRA compliant product disclosure
Hard Declines ✗
< $25,000 available premium
Age > 80
Client needs full liquidity (annuity not suitable)
Cannot tolerate surrender period
Strategy Note
Established brand with strong income rider option. Best for near-retirement clients with $100k+ seeking guaranteed income stream. Strong brand trust in the senior market.
Health is a separate track.
ACA is guaranteed issue (no UW). Medicare Supp has UW outside GI periods. Always verify state licensing before enrolling.
ACA / Marketplace
Ages / Limits
ACA: All ages | No income cap (SEP/OEP)
Health Tiers
• Guaranteed Issue during OEP and SEP — no medical UW
• Premium subsidies based on income (APTC)
• CSR cost-sharing reductions for 100–250% FPL
Hard Declines ✗
N/A — ACA is GI. Confirm SEP qualifying event if outside OEP.
Strategy Note
Primary ACA producer portal — quoting + enrollment in one place. Start here for all ACA leads. Verify state eligibility and SEP qualifying events first.
Ages / Limits
ACA: All ages
Health Tiers
• Guaranteed Issue — no medical UW
• Multi-carrier quoting available
Hard Declines ✗
N/A — ACA guaranteed issue
Strategy Note
ACA enrollment platform with multi-carrier quoting. Use alongside HealthSherpa to compare plan options across carriers.
Ages / Limits
ACA: All ages
Health Tiers
• Guaranteed Issue — no medical UW
Hard Declines ✗
N/A — ACA guaranteed issue
Strategy Note
ACA health plan carrier via 1enrollment platform.
Ages / Limits
ACA: All ages
Health Tiers
• Guaranteed Issue — no medical UW
Hard Declines ✗
N/A — ACA guaranteed issue
Strategy Note
ACA health plan carrier via 1enrollment platform.
Ages / Limits
Group: 2+ employees | Individual ACA eligible
Health Tiers
• Group health — employer mandate applies for 50+ FTEs
• ACA individual plans available in select states
Hard Declines ✗
Groups < 2 employees
Out-of-service-area locations
Strategy Note
Oscar for Business — group health + individual ACA. Good cross-sell for self-employed and small business clients.
Ages / Limits
ACA: All ages | Multiple states
Health Tiers
• Guaranteed Issue — no medical UW
• Available in multiple states on Marketplace
Hard Declines ✗
N/A — ACA guaranteed issue
Strategy Note
Centene-owned Ambetter ACA plans. Available in many states. Check state availability before quoting.
Ages / Limits
ACA: All ages | Select states
Health Tiers
• Guaranteed Issue — no medical UW
• ACA plans via NatGen portal
Hard Declines ✗
N/A — ACA guaranteed issue
Strategy Note
Allstate Health ACA plans (formerly NatGen Health). Log in via NatGen portal. Verify state availability before quoting.
Medicare Supplements / Other
Ages / Limits
Medicare eligible: 65+ (or disabled under 65 in some states)
Health Tiers
• GI period: Guaranteed issue (no health questions, 6-month Medigap OEP)
• UW outside GI: Health questions required, conditions may rate or decline
Hard Declines ✗
Outside GI: ESRD, active cancer treatment, recent major surgery (varies by state)
Must be enrolled in Medicare Part A and Part B
Strategy Note
Medicare Supplement specialist. NC Med Supp LOA active. GI period is 6 months from Part B effective date — educate clients to enroll during this window.
Ages / Limits
Medicare eligible: 65+ | Also health and hospital indemnity products
Health Tiers
• GI period: Guaranteed issue
• UW outside GI: Health questionnaire, standard UW applies
Hard Declines ✗
Outside GI: Varies by state and product — ESRD, dialysis, active major conditions
Strategy Note
Medicare Supplements and health products. Also offers hospital indemnity — good cross-sell for FE clients on Medicare.
Ages / Limits
All ages | Dental, vision, and health products
Health Tiers
• Dental: Waiting periods may apply for major services
• Vision: Annual benefit, network-based
• Health: Simplified issue for supplemental products
Hard Declines ✗
Pre-existing conditions on waiting period for dental
Out-of-network applies for vision
Strategy Note
Dental + vision are easy cross-sells with any life or health client. Mention during needs analysis — $20–40/mo adds a lot of perceived value to the relationship.