Outstanding Impaired Risk Underwriting – Impaired risk cases through table 12 can be underwritten by Banner Life and William Penn. Examples include: Hepatitis C which can be preferred plus one year after treatment and cure; Sleep Apnea which can be preferred after five years of continued treatment; Diabetes may be standard for adult onset even with insulin treatment; Coronary Artery Disease may also be standard two years after bypass or angioplasty.

Advantra - A new 20–year term alternative, Advantra is a flexible premium universal life insurance plan offering a 20-year no lapse guaranteed death benefit. Issue ages are 20-80, and the product is designed to give “20-year term” coverage for older issue ages.

Their FPDA-1 (Flexible Premium Deferred Annuity) product pays 5.50% interest in the 1st year (includes 2% additional interest). The commission payable is 7%. After the 1st year the minimum interest rate is 3%, and there is an 11-year surrender charge. 10% penalty-free withdrawals of the contract value are available annually after year 1. Systematic withdrawals are also available.

Currently offering four Single Premium Deferred Annuities, including the Classic SPDA which has a one year rate guarantee of 4.35%. The guaranteed minimum rate is 4% for years 2-4, then 3% for the life of the policy. In addition, there is a 10% free withdrawal in the 1st policy year and a 7 year decreasing surrender charge.

Graded Benefit Life is available for issue ages 50-75, and offers NO medical exams and NO questions. Face amounts for this permanent insurance plan are from $1,000 to $50,000. Premiums are fixed and will never increase. Check into this product for your clients who have been declined and labeled uninsurable by other companies.

In addition to their Impact Term series, there are four Universal Life products, each with a different advantage to suit your clients' needs. With the Legacy Optimizer Universal Life product, one single premium payment instantly allows for a tax-free increased death benefit that is guaranteed throughout the life of the policy, optimizing what is left to your clients' heirs.

For 2005, their Sales Incentive Trip will send five small group brokers in the Northeast region on an unbelievable trip to Florence, Italy. An additional 37 brokers will qualify for some relaxation and rejuvenation in Sanibel, Florida.

Third quarter rates with lower rates have been released. There is an open-access POS plan with monthly rates of $240.35/single and $616.49/family. The open-access HMO rates are just $225.18/single and $577.58/family. Employers must be located within the five boroughs of New York City.