About Us
With more than 50 years of working with independent Insurance professionals to provide their clients with the best available products to meet their individual needs.
Benefit Solutions works with more than 40 of the highest rated insurance companies in the industry for Life, Annuities, Senior Markets, Voluntary Benefits and Payroll Deduction. We are the industry leader in products with Living Benefits.
Assessing Need
Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll help you analyze your clients insurance needs and provide you with multiple options to meet those needs.
Building Relationships
The independent insurance professional is our only client. They work extremely hard to satisfy the needs of their clients and it is our job to assist them in meeting those needs. Call us today and let us work together for a more successful and profitable business relationship.
Specialty Product
Guaranteed Issue UL & Term Life
DON'T LET DECLINED OR RATED CASES GET YOU DOWN
GUARANTEED ISSUE to $100,000
IMMEDIATE COVERAGE
NO MEDICAL QUESTIONS
- Half the cost of traditional Guarantee Issue WL
- Issue ages 18 -80
- Includes Living Benefits
- Well Known "A" Rated Carrier
- 5 Minute on-line application process
Optional Guaranteed Issue Benefits include:
2 ACA approved health plans
STD
2 Dental Plans
Critical Illness
The Only Qualifying Client Question:
Are you working Full Time (20 hours per week) and able to perform
the regular duties of your occupation? YES or NO
Universal Life "NO" Underwriting;
MONTHLY Price Examples; Non Smoker Uni-sex Rates
Age $25,000 $50,000 $100,000
40 $ 31.68 $ 54.37 $ 99.74
50 $ 47.23 $ 85.46 $161.91
60 $ 77.06 $145.12 $281.23
70 $159.58 $310.16 $610.33
Available in all States Except; HI, AK, MA & NH
No Exam, No APS, No MIB, No MVR, No Script Prescription Check,
Absolutely "NO" Underwriting
Living Benefits
Benefit Solutions, llc is your leading source for low-cost 10, 15, 20, 25 and 30, year term as well as permanent insurance that INCLUDES:
- Critical Illness (Cancer, Heart Attack & Stroke)
- Chronic Illness Living Benefit
- Terminal Illness Benefit
Ask yourself, why not sell a product that provides MORE benefit to my client especially given the circumstances they face today.
- 1 in 2 Men and 1 in 3 women will contract some form of cancer.
- There are over 800,000 Stroke victims a year.
- Every 44 seconds someone in the U.S. suffers a heart attack.
- Approximately 70% of people over the age of 65 will require long-term assistance during their lifetime, and over 40% will need care in a nursing home.
Ask yourself these questions:
1. Where could your client access a bucket of money in the event of a heart attack, stroke, or cancer diagnosis?
2. Access money in the event of a chronic illness such as a long term care event?
Could they get it from their banker or stock broker? Not likely!
3. If your client experienced a critical or chronic health event, and did not die, what would the term policy that they have now do for them?
Today, you can find Living Benefits in both Term Insurance and Permanent Life Insurance products. Sometimes the benefits are in the form of a Rider, and other times that are embedded in the product automatically. To find out which Living Benefit products make the most sense for your clients, contact Benefit Solutions, llc or watch our videos on Living Benefit Life Insurance.
Carriers and Products
American General, competitive term and IUL and among the least expensive Guarantee Issue products. Excellent portfolio of Annuity products.
Ameritas Life , "A" rated Mutual Company, very competitive non-med term product and includes Living Benefits. #1 rated IUL by IUL Digest for performance as a result of a proprietary index with no-cap and 185% participation rate.
American National (ANICO), very competitive non-med term with Living Benefits. Can be used for Voluntary Benefits and Payroll Deduction. One of the least expensive GUL products in the industry, includes Living Benefits and has a return of premium feature. Excellent line of Annuity products.
Assurity Life, Whole Life, Simplified issue Whole Life, Single-Premium Whole Life, Term, stand alone Disability and Critical Illness and a unique accident only policy called Acci-Flex that includes accident only disability with return of premium and waiver of premium riders. Competitive annuities.
Fidelity, competitive term with a unique product call Speed of Life Term with policies issued in as little as 2 days.
Fidelity and Guarantee ( Banner Life), Among the least expensive term products in the industry and now has a term product for both 35 and 40 Years called OPTerm. with a guarantee issue child rider.
Foresters, very competitive term and an extensive line of competitive products for seniors.
Gerber Life, extremely competitive Guarantee Issue product and other senior products.
Minnesota Life, very competitive IUL with excellent performance .
Mutual of Omaha, variety of products including term, whole life, annuities, long term care, critical illness and disability. Very competitive products for seniors including life and Medicare supplements and Advantage plans.
North American, competitive term that includes Living Benefits. One of the best performing IUL's in the industry and includes Living Benefits. Also competitive annuity portfolio.
TransAmerica, through their Trans Elite product portfolio offers the most competitive line of products for both the individual as well as payroll deduction markets. There is currently no competition for this unique portfolio of Guaranteed Issue products.
These are just a few of the many outstanding carriers we represent. Call us for information on the others.