To protect their quality of life.

• Guaranteed death benefit
• Guaranteed cash accumulation value
• Guaranteed level premium

*Guarantees are based on the claims-paying ability of the issuing company.

Solutions designed to meet unique needs.

• Chronic Illness Rider
• Critical Illness Rider
• Terminal Illness Accelerated Death Benefit Rider

Offering even more versatility.

• Disability Waiver of Premium Rider
• Income Protection Option
• Guaranteed Insurability Benefit Rider
• Term Insurance Rider
• Children's Benefit Rider
• Accidental Death Benefit Rider

• Payment options
  • Electronic funds transfer
  • Direct bill
  • Federal allotment (civil service and military allotments)
  • Salary deduction/list bill
  • Credit Card
• Short pay scenarios
  • 10 years level
  • 20 years level
  • 30 years level
• Pay to age 100

• Automated
  • A portion of the medical and financial risk factors that have traditionally been handled by an underwriter are now being automated. Rules have been created for these risk factors that leverage external data sources to enable us to score or approve based on certain criteria. For many cases, a decision can be reached without individual review.
• Fluidless acceleration
  • Some clients may qualify for fluidless acceleration, an accelerated underwriting decision without the need for traditional fluids (blood and urine). Please see the age /face amount parameters to see if your client is a candidate. (see underwriting requirements chart).
• Best classes available
  • In the past, clients could only get better than standard rate class through full underwriting (exams/labs). Now the best two preferred classes, plus juveniles and non-medical may qualify for the automated underwriting process.
• Simplified agent requirements
  • You no longer need to order parameds/exams. Clarity Life Insurance will order only when needed.
• New teleinterview process
  • Depending on the case, the customer may qualify for a teleinterview exam over the phone. Convenient and available 24/7, this may allow them to avoid the traditional paramed exam and helps get cases issued faster.

A solution that's available to an even wider audience. Foreign nationals are eligible for minimum coverage of $250,000.

The potential better than standard classes rate classes without medical exams with policies of face values $100,000 or more. Preferred classes include:

• Preferred Elite – Non-Tobacco
• Preferred Plus – Non-Tobacco
• Preferred – Non-Tobacco