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First To Die

Options, Flexibility, Value and Guarantees When your Clients need them the Most

 

While thinking about how our survivors will be taken care of after our deaths isn't pleasant, it is necessary in order to ensure that our family, loved ones and assets will be properly taken care of. For your clients, preparing for the future is essential, so why not provide them with a product that offers the options and flexibility they need for their own unique situations?

National Life Companies has created LifeCycle Solution, a Survivorship Indexed Universal Life (SUIL) product that offers protection for two lives, as opposed to traditional single life insurance products which only insure the life of one individual. These types of policies are also known as "second-to-die" policies because they pay a death benefit following the second death of the two individuals insured under this policy.

Through LifeCycle Solution, you can offer your clients the only product that in addition to death benefits:

• has cash value build-up on a tax-free basis;
• can guarantee an income for life;
• holds a first-to-die benefit;
• offers more payout options; and
• has higher target appeal.

 
And while National Life's SUIL has many great features for your client, this product also provides you with unique sales prospecting opportunity. While Survivorship policies are generally marketed and sold to spouses, LifeCycle Solution will also work great for any two individuals with financial dependencies on one another, such as business partners, allowing you another avenue to increase and grow your business and revenue.

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