A Solution for your Declined & Postponed Clients

Never show up empty handed again when delivering bad news to your client.

When faced with the unfortunate situation of a valid* postponed or declined life insurance application, it’s essential to provide alternative solutions that offer peace of mind without breaking the bank.

That’s why we’re recommending you offer Accidental Death Insurance.

Here are some key points to consider:

  1. Issue ages: individuals aged 18-70
  2. Face amounts: Coverage ranging from $50,000 to $500,000 in increments of $1,000.
  3. 4 plans to choose from:
    • Individual
    • Individual and Spouse only
    • Individual, Spouse, and child(ren)
    • Individual and child(ren) only
  4. One policy per insured
  5. Agent requirements: Agents MUST be health licensed and appointed for Health
  6. Optional rider: A Return of Premium (ROP) rider is available for issue ages 18-50 (rider not available in NY, AR,CT, PA, and VA)

*A valid decline or postpone is considered when no offers are made either formally or informally by the traditional life insurance market.


Got questions or need assistance? Give us a call at 631-730-8262 or Click to schedule a 15 minute call