LifeSecure Agent Value Proposition
· Product Simplicity – Only 3 Decision Points
ü Choose a Benefit Bank amount
ü Choose a Monthly Benefit Access Limit
ü Choose optional automatic inflation protection
If not chosen a Guaranteed Future Purchase
Option is provided at no charge….. then
ü Consider Money-Back Promise option
ü Consider optional lapse protection
· Budget-Point Pricing – Allows your client to determine affordability
· Expedited underwriting - E-Application, Voice Signature, Online UW Chat
· Agent Portal - Manage all aspects of your book of business
· Commissions paid weekly
· Prepackaged worksite marketing materials and methodology as well as group list bill capability
LifeSecure Consumer Value Proposition
· Product Simplicity – Only 3 Decision Points
ü Choose a Benefit Bank amount
ü Choose a Monthly Benefit Access Limit
ü Choose optional automatic inflation protection, then
ü Consider Money-Back Promise option
ü Consider optional lapse protection
· Flexible Benefit – Our Flexible Benefit provides coverage for informal care, including care from family members residing in the same household. The Flexible Benefit can also be used for home modifications, caregiver training, respite care or durable medical equipment
· Budget-Point Pricing - Allows you to determine affordability
· Guaranteed Future Purchase Offer – Every policyholder is extended a guaranteed issue option to increase their benefit bank by 15% every 3 years (when an Automatic Inflation Protection option is not elected)
· CareAdvisor Services – Available to policyholder and family from the day your policy is issued
Calendar Day Wait Period - Does not require that ‘out-of-pocket’ expenses are incurred by claimant during the 90 day benefit wait period.