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Untapped Market - Incredible Potential

As an advisor you serve your clients in all areas of life, but make sure you serve them and their family in planning for their final needs. Most of your clients prepare for life's possible events, but the majority of them don't prepare for life's only inevitable event - death. A recent survey found that...

* The top reason Americans have life insurance is to cover final expenses
* 8 out of 10 U.S. households need basic insurance but don't have an advisor
* Half of U.S. households (58 Million) say they need more life insurance
* 30% of U.S. households (35 Million) have no life insurance protection at all
*Source: LIMRA Facts about Life 2010

Industry Leading Final Expense Solution

We are excited to introduce a whole life insurance product that covers final expenses and more from United of Omaha Life Insurance Company (a Mutual of Omaha Company), one of the strongest brands in the Senior Market. You now have an industry leading final expense solution that includes:

  • Level Pay Plan with face amounts from $2,000 to $40,000, issue ages 45-85

  • Graded Benefit Plan with face amounts from $2,000 to $20,000, issue ages 45-80

  • Optional: Accidental Death Benefit Rider

  • Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement Rider included in the policy at no additional charge

  • No point-of-sale phone interview

  • Simplified underwriting

  • Competitive premium rates to fit most client budgets

  • Competitive commissions paid daily

  • Level Renewal Commissions Years 2-10

  • Lifetime Renewals Years 11+

Whole life insurance is underwritten by: United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha is licensed in all states except NY. Product base plans, provisions, features and riders may not be available in all states and may vary by state.

The Legacy Safeguard comprehensive marketing system includes:

  • Complete Referral System
  • Innovative Lead Programs
  • Comprehensive Marketing Guides
  • Final Expense Estimating System
  • Legacy Safeguard University's Agent Training Website
  • And Much More!

Frequently Asked Questions:

Question 1: How does this compare to other Final Expense products?

Living Promise is an excellent product from one of the most well recognized brands in the senior market. As you run quotes for clients, you will see that premiums are in line with the industry!

Question 2: Is there a point-of-sale interview?

With United of Omaha's Living Promise product there are no point-of-sale interviews. So you can avoid fumbling with the phone, handing it back and forth or speaking to an interviewer that no one can hear or understand.

Question 3: Do I have access to Legacy Safeguard?

Yes, when you partner with Premier Planning you get full access to Legacy Safeguard's turn-key sales and marketing systems. In addition, you also get to work with our National Marketing Directors who are experts in final expense but who understand Legacy Safeguard better than anyone else.

Question 4: How is this product underwritten?

Living Promise is a simplified issue whole life product. The questions on the cascading appellation are designed for you to provide field underwriting as well as additional script checks and MIB requests that are made before issuance of policies. The product has two options of Level or Graded which fit a wide range of your clients.