September 18, 2024
5 Reasons to Sell TotalSecure
It’s the most flexible whole life Insurance in the industry.
TotalSecure combines the benefits of traditional whole life insurance with flexibility: It offers a choice of riders so that your clients can tailor their coverage to meet their specific needs.
Here are five selling points of TotalSecure:
- Strong Guarantees
- Guaranteed death benefit.
- Guaranteed cash value accumulation.
- Premiums that are guaranteed never to go up.
- Industry-Leading Flexibility
- Flexible payments: Policies can be designed to be paid up on any schedule. With Excess Premium, clients can shorten how long they pay premiums for — and speed up growth.
- Six dividend options: Choose from Internal Paid-Up Insurance (unique to National Life), Paid Up Additions, Applied to Premiums, Flex Term, Cash, and Help on Deposits.
- Cost management: Reduce the cost of the death benefit by using Flex Term.
- EZ Underwriting
- Your clients may be eligible for coverage up to $3 million without medical exams or fluids.
- Available for all rate classes.
- Choice of Riders
- Additional Paid-up Life Insurance Rider.
- Guaranteed/Additional Insurance Option Rider.
- Exchange to New Insurance Option Rider.
- Beneficiary Insurance Option Rider (NL only).
- Level term riders, convertible without additional underwriting (up to 9 times the base face amount).
- All clients get a full suite of Living Benefits, including the Alzheimer’s Disease Rider, at no extra cost.
- Access To Cash Value
- Clients can take loans or make withdrawals after the first policy year.
Share the Story With Your Clients:
Share the Story With Your Clients:
Guarantees are dependent upon the claims-paying ability of the issuing company. Riders are optional, may require additional premium and may not be available in all states or on all products.
