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Looking for a marketing company that operates
with integrity, offers extremely competitive products
and commisions, and understands the concerns
and needs of agents today?

ALB INSURANCE MARKETING IS THE COMPANY FOR YOU!

Adams Life Brokerage, 1408 Gables Court #1, Plano, TX, 75075 - Map
972-931-9989 (Local) | 1-800-859-1393 (Toll Free)

Return of Premium
Return of Premium
AIG ROP
Old Mutual
Life Investors
Genworth
Americo
United of Omaha
American General Life
Saver Select
Elite Term II with ROP
Vantage Point
Life Term Series
Term Life Express
Age Limits
Year
Tobacco
Non
Year
Tobacco
Non
Year
Tobacco
Non
Year
Tobacco
Non
Year
Tobacco
Non
Year
Tobacco
Non
15 yr
20 yr
30 yr
20-65
20-55
20-45
20-65
20-60
20-50
15 yr
20 yr
30 yr
30 yr
18-70
18-55
18-45
18-65
18-70
18-55
18-45
18-65
20 yr
30 yr
18-60
18-40
18-60
18-45
15 yr
20 yr
30 yr
18-60
18-60
18-50
18-65
18-60
18-50
 
15 yr
20 yr
30 yr
18-70
18-55
18-45
18-70
18-60
18-50
 15
30/5
30/30		 18-55
18-65
18-50		 18-55
18-65
18-50
 
Age Type
 Age at nearest birthday Age at last birthday Actual age Nearest Birthday Age last birthday Age at last birthday
Guarantees
 Full guarantee available Full guarantee available

Partial 10-yr guarantee avail on 15, 20 & 30-yr term 		Fully guaranteed Fully guaranteed Fully guranteed

Full guarantee available

Partial 5 year guarantee avail on 30-yr term
Policy Fee
 None $60 commissionable $80 fully commissionable $50 fully commissionable $90 fully commissionable $60 per year, per policy, fully commissionable
Rating
 A++ A A+ A+ A- A+
Face Amount
 Minimum: $100K+ Minimum: $25,000 - $99,999 NM $100K+ $25K+ - $100K NM $100K+ Minimum $100K+ Minimum $50K $50,000-$400K
Optional Riders
 Waiver of premium
Disability rider
Child rider
Accidental death
Accelerated death benefit (comes with) 		Return of premium
Disability income
Accelerated benefit
Child & other insured
Waiver of premium 		(State specific)
Disability rider
Waiver of premium
Child rider
Settlement option 		(State specific)
Accidental death rider
Child rider
Enhanced cash value
Disability rider
Waiver of premium 		(State specific)
Return of premium
Disabiltiy rider
Waiver of premium
Child rider
Accidental death rider 		Return of Premium
Disability Income
Waiver of Premium due to Disability Rider
Accidental Death Benefit Rider
Children’s Rider
States not approved
 NY, UT Check all states Check states Check States Check States

IL, MA, MN, NJ, NY, VT, WA
Check states for rider availability
U/W Guidelines
 Fully U/W Under 40 yrs - no blood to $500K
Non-med $25K - $99,999
$100-250 under age 50 - urine only		 $100K & under is non-med
$100,001+ fully U/W 		Fully U/W   Simplified Underwriting
Special features
 Reduced paid-up policy available in lieu of cash at end of policy
Policy is convertible to age 75 or policy term, whichever is first
Rider premium and substandard are not returned
Cigar smoke 1pk/wk for NT rate
Loans available on cash value 		Liberal preferred underwriting guildelines
No additional policy fee for up to 3 insureds
ROP returns rider premium and substandard premium
Will take non-US residents and citizens
Best rates at 15yr w/ROP 		ROP includes rider premiums paid
Doesn't include waiver of premium or substandard premiums
$100K & under is non-med 		Enhanced cash value option
Policy loans to avoid lapses down the road
ROP returns all premiums paid minus flat extras 		Will take non US citizens
$50K - $99,999: Saliva Test
$100K - $250K: No blood to age 60
No EKG under $1M

No Cost Features: Cancer, Heart, Stroke provisions
Unemployment Provision, Common Carrier Death Benefit
Provision, Accelerated Death Benefit Rider, Residential Damage
Rider
Husband and wife can be written on the same application