Consider West Coast Life  West Coast offers PREFERRED non-smoker rates after just 12 months tobacco free! West Coast offers PREFERRED non-smoker rates for scuba divers diving up to 75 feet! Check out the new guidelines for cholesterol and family history including liberalization of Preferred and Preferred Plus guidelines! West Coast is HOT!!!

Prudential for Tobacco User's?  Did you know Prudential will consider your pipe smokers, chewers, smokeless tobacco, nicotine patch, nicotine gum, and cigar smokers at Non-Smoker Plus rates ? Read the underwriting guidelines here and check out the aggressive build chart, travel, and aviation guidelines.

AIG Rate Reduction!  AIG Reduces rates at most ages! Significant reduction on the 30 year term! Some rates increased, however it was an aggregate reduction for the Ultra 10,15,20 product line! Plus, a new Loan Provision for AGL ROPTerm Now Available in All States.

New No Medical Term Product. 100% Online Process  The product offers agents the ability to sell 250k coverage without an exam, and have coverage for their clients in under 15 minutes. The process is 100% online, and has a digital signature.

TransAmerica - Did you know?  Transamerica lowered their already competitive term rates February 1st! Their policy fee is still fully commissionable and they use age of LAST BIRTHDAY to compute premiums. Transamerica is competitive at all ages, however they are especially competitive at ages 45 and above. Check out our rate comparison here then call your wholesaler today at 800-648-9504.

Genworth - New R.O.P. Term  Term insurance with cash values you can borrow against? That's right, Vantage Point has very competitive guaranteed rates, and a new feature in the Return of Premium Market, the ability to borrow against the accumulated value in the contract! To check out the rate card and product description.

West Coast Life Rate Reduction West Coast's new C-Series was introduced December 1st and is approved in most states. The C-series has reduced rates in most cells and now uses age nearest birthday. Underwriting guidelines were relaxed for Cholesterol, family history, and blood pressure. More of your clients will qualify for preferred rates with West Coast.

Sales via the Internet using ALISS! Our Agents are the Industry's Top Producer's time and time again. "One sure fire way to make money in this business is to do volume, and that is what the ALISS system allows you to do."

Baby Boomers Short on Retirement About half of U.S. baby boomers are NOT saving enough money to maintain their standard of living in retirement

Contestable Life A contestable life claim occurs when the insured dies within the first 2 years of the policy issue date or within the first 2 years after a life insurance policy has been reinstated.