· Competitive Protection Beyond Age 90 While the average 50-year-old in the U.S. has a life expectancy in the mid-to-late 70s, some of your clients may live past age 90. That's why it's extremely important to have a product that is also strong on the non-guaranteed side. When paying the 'guarantee-to-90' premium, you will find that Life Protection Advantage's projected coverage will often outlast our competitors' policies by 5-10 years, even when illustrated at conservative rates. View the updated competitive comparison.
· A Guaranteed Refund Option (GRO) Rider Unlike many other IULs, qualifying Life Protection Advantage IUL policies* come with a premium refund option. If your clients no longer need their life insurance coverage, the GRO feature offers seven 60-day windows in which they can surrender their policy and receive their premiums back. And don't forget, we recently increased the maximum GRO Rider refund amount to 80% of the specified death benefit.
· A Terminal and Chronic Illness Rider This accelerated benefit feature is included with all policies at no additional cost and with no additional underwriting. And, if your clients prefer an LTC Rider, they can apply to have their Chronic Illness Rider replaced with an LTC Rider at an additional cost.
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