Here are the top features of this Final Expense solution from Corebridge Financial. With instant underwriting decisions, SimpliNow Legacy helps you convert as many leads as possible - because your time is money!
1. Compensation:
Recently increased commissions.
Earn $2500 extra by placing ten policies with the Final Expense Agent Bonus Program.
2. Process built with you in mind:
All offers are automated and instant – no human intervention or speaking with an underwriter.
When final offers of Graded death benefit or decline are made, we will provide reasons why.
No tele-interviews.
Corebridge doesn’t ask for payment or beneficiary information until AFTER the offer is made. And none of our payment types will reduce your commission.
3. Unique client benefits:
Limited pay feature allows for no more premium payments after a stated age (maximum payment age). This will vary but it’s a great selling point that premiums will not be needed every year.
SimpliNow Legacy has four payment types – Social Security debit card (Direct Express), credit cards, debit cards, or bank draft.
Three available riders – Accelerated Death Benefit for Terminal Illness and Nursing Home Confinement Riders included at no additional charge; and an Accidental Death Benefit Rider available for an additional cost.
4. Underwriting Niches:
Available for Level Death Benefit (policy pays the full amount in all years):
Stage 1 cancers diagnosed or treated in last 48 months.
Rheumatoid arthritis or psoriatic arthritis.
Some stable coronary conditions treated with stents or by-pass surgery.
Diabetes with stable A1C less than or equal to 8.6%.
No MIB, background check only for lack of candor: BE HONEST!
One of the only Final Expense products that can provide an offer for COPD -- with no hospitalization in last 2 years.
Note: Corebridge does not underwrite for neuropathy or diabetic neuropathy.
5. New name, same company:
Corebridge Financial: new name for AIG Life & Retirement with no changes to products, policies or contracts.
SimpliNow Legacy Max provides a 100% of face amount death benefit beginning on policy day one when inforce. SimpliNow Legacy provides a limited death benefit in the first two years of the policy. Should death occur in the first two years, the death benefit will be equal to 110% of the premiums paid.
In today’s financial environment, it can be difficult to predict how much things will cost down the road, especially someone’s end-of-life expenses. Help your clients take the guesswork out with a final expense life insurance plan. With a final expense plan, your clients can find relief knowing that they will not leave their loved ones with a financial burden during an already difficult time.
There are several compelling reasons to consider selling final expense insurance:
Targeted market: Final expense insurance caters to a specific market segment of individuals who may not qualify for or afford traditional life insurance policies. This niche market provides an opportunity to serve a unique clientele and address their specific needs.
Fulfilling a critical need: Final expense insurance helps individuals and their families plan for the financial obligations associated with funerals, burials, and related expenses. By selling this type of insurance, you can assist clients in ensuring that their loved ones are not burdened with significant costs during a difficult time.
Simplicity and accessibility: Final expense insurance policies are typically easier to understand and obtain compared to complex life insurance products. They often involve simplified underwriting processes, making them more accessible to a wider range of customers. This simplicity can be appealing to individuals who want straightforward coverage without extensive paperwork or medical examinations.
Emotional support: Selling final expense insurance allows you to provide emotional support to clients and their families. By addressing end-of-life expenses, you help alleviate the stress and uncertainty associated with funeral planning. This support can foster trust and build long-term relationships with clients.
Financial stability: Final expense insurance provides a predictable and stable income stream for insurance agents. As the need for final expense coverage persists, it can serve as a consistent revenue source. By building a client base and nurturing relationships, you can establish a reliable book of business over time.
It's important to approach the sale of final expense insurance ethically and responsibly, ensuring that you fully understand the product, its features, and the specific needs of your clients. Complying with industry regulations and providing transparent information to customers is crucial to building trust and maintaining professional integrity.
PSM would love to support your efforts and provide all the carriers, tools and resources you need to feel confident in presenting these plans to your clients. Below is a list of companies we proudly represent. Please click on the image for more information and to request additional details.
Budgeting for the unexpected seems counterintuitive when there are so many variables and unknowns to factor in. Yet preparing for end-of-life expenses can help your clients protect their families and give them peace of mind.
Fifty-six percent of Americans say they’re living “paycheck to paycheck,” and more than half have less than 3 months’ of expenses in their emergency fund. 1, 2
Unexpected expenses and setbacks are not uncommon. Personalize our infographic flyer to start the conversation with your clients about how life insurance can help keep them protected without changing their spending or saving habits.
At Corebridge Financial, we're helping people secure a better life ahead.
Policies issued by American General Life Insurance Company (AGL), Houston, TX except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). AGL does not solicit, issue or deliver policies or contracts in the state of New York. Guarantees are backed by the claims-paying ability of the issuing insurance company and each company is responsible for the financial obligations of its products. Products may not be available in all states and features may vary by state. Please refer to the policy for more information
All companies above are wholly owned subsidiaries of Corebridge Financial, Inc. Corebridge Financial and Corebridge are marketing names used by these companies.
This material is general in nature, was developed for educational use only, and is not intended to provide financial, legal, fiduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. For legal, accounting or tax advice consult the appropriate professional.
FOR FINANCIAL PROFESSIONAL USE ONLY-NOT FOR PUBLIC DISTRIBUTION
Aflac Q2 Bonus Opportunity. Check out the details here.
Aflac is here to help manage your client's health care expenses with coverage they can count on. Now is a great time to add this well respected brand to your portfolio.
Aflac announced the introduction of two new consumer-directed products: Aflac Final Expense Whole Life Insurance and Aflac Medicare Supplement Insurance. These products — underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated — are part of a robust portfolio of supplemental coverage options.
Aflac Medicare Supplement Insurance
While Medicare provides coverage for health-related expenses, it doesn't cover all costs — such as copayments, coinsurance and deductibles. Because consumers need a way to help manage expenses during retirement, Aflac introduced its Medicare Supplement Insurance policies to help fill some of these coverage gaps.
Aflac Final Expense Whole Life Insurance
With Aflac Final Expense Whole Life Insurance, policyholders can help protect their loved ones' financial security by helping to pay for end-of-life expenses not covered under Medicare and other programs, while also encouraging families to address uncomfortable discussions about final expenses.
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. Our customers choose Aflac because of our commitment to providing them with the confidence that comes from knowing they have assistance in being prepared for whatever life may bring. Aflac’s Final Expense Whole Life insurance policy is just another way we can be there for you and your family when you need us most.
Aflac Final Expense Insurance: Coverage may not be available in all states including but not limited to NM or NY. Benefits/premium rates may vary based on coverage selected. Optional riders may be available at an additional cost. Policies have limitations and exclusions that may affect benefits payable. Refer to the specific policy and rider form(s) for complete details, definitions, limitations and exclusions. In AR, ID, OK, OR, PA, TX and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22.Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company.
Aflac Medicare Supplement Insurance policy series AFLMS. Coverage not available in all states, including but not limited to NM or NY. Some plans may be available to qualified consumers under age 65. Plans not available in all states. Benefits/premium rates will vary based on coverage selected. For complete details of benefits, definitions, and exclusions, please carefully read the outline of coverage and policy forms, and refer to the "Guide to Health Insurance for People with Medicare." Aflac Medicare supplement insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. All benefits payable under the policy are based upon Medicare-eligible expenses (as applicable). InIdaho, policies AFLMSP22A-ID, AFLMSP22F-ID, AFLMSP22G-ID, AFLMSP22N-ID. InOklahoma, policies AFLMSP22A-OK, AFLMSP22F-OK, AFLMSP22G-OK, AFLMSP22N-OK. InVirginia, policies AFLMSP22A-VA, AFLMSP22F-VA, AFLMSP22G-VA, AFLMSP22N-VA. Aflac Medicare Supplement insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated, and is administered by Aetna Life Insurance Company. 1021 Reams Blvd,Franklin, TN, 37064;
Final Expense Agent Bonus Program - Get a maximum bonus of $2500 on your SimpliNow Legacy simplified issue whole life sales!
The Final Expense Agent Bonus Program runs from January 1 to December 31, 2023 and you’re automatically enrolled. Just sell SimpliNow Legacy Max (level death benefit) or SimpliNow Legacy (graded death benefit) and receive a bonus after writing one qualifying application.
Write ten applications and earn $2500! Not appointed with Corebridge? Request a contracting link here.
Prepare to sell and earn your bonus today. Make sure you’ve registered on Connext, completed your required AML training, and can access the SIWL eApp under “Start Your Application” section in Connext. Check out our Agent Site for how-to videos and more!
Kick off your SimpliNow Legacy sales! Review the following list of program rules.
Introducing AFLAC Medicare Supplement and Final Expense Plans
Aflac is here to help manage your client's health care expenses with coverage they can count on. Now is a great time to add this well respected brand to your portfolio.
Aflac announced the introduction of two new consumer-directed products: Aflac Final Expense Whole Life Insurance and Aflac Medicare Supplement Insurance. These products — underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated — are part of a robust portfolio of supplemental coverage options.
Aflac Q1 Bonus Opportunity. Check out the details here.
Aflac expands consumer-directed portfolio in U.S. with addition of Final Expense Whole Life and Medicare Supplement Insurance
Aflac Medicare Supplement Insurance
While Medicare provides coverage for health-related expenses, it doesn't cover all costs — such as copayments, coinsurance and deductibles. Because consumers need a way to help manage expenses during retirement, Aflac introduced its Medicare Supplement Insurance policies to help fill some of these coverage gaps.
With Aflac's Medicare Supplement plans A, F, G, and N, consumers will have the freedom to choose any provider that accepts Medicare at a convenient location that best meets their needs, without precertification or pre-authorization. Plan benefits remain the same year after year and are portable, so if policyholders move or travel, their coverage goes with them.
Aflac Final Expense Whole Life Insurance
With Aflac Final Expense Whole Life Insurance, policyholders can help protect their loved ones' financial security by helping to pay for end-of-life expenses not covered under Medicare and other programs, while also encouraging families to address uncomfortable discussions about final expenses.
The average out-of-pocket medical expenses during one's last year of life can total nearly $10,000.1 In addition to these expenses, there are often significant costs involved when settling a loved one's estate, and the median funeral expenses are almost $8,000.2 Considering that nearly 50% of American workers say they would not be able to pay more than $1,000 in out-of-pocket medical costs in the event of an accident or injury,3 Aflac's Final Expense Whole Life Insurance can help protect loved ones from inherited expenses.
Aflac's Final Expense Whole Life Insurance is available in two options: the Level Plan and the Modified Plan. Both plans include a guaranteed level premium — meaning premiums will never increase — and a guaranteed death benefit paid to the beneficiary while the policy is active. Plans are available for individuals age 45 to 80. Benefit amounts range from $2,000 to $50,000, depending on the plan selected. The level plan also offers the option to elect accelerated and accidental death benefit riders, as well as a children's term insurance rider.
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. Our customers choose Aflac because of our commitment to providing them with the confidence that comes from knowing they have assistance in being prepared for whatever life may bring. Aflac’s Final Expense Whole Life insurance policy is just another way we can be there for you and your family when you need us most.
Aflac Final Expense Insurance: Coverage may not be available in all states including but not limited to NM or NY. Benefits/premium rates may vary based on coverage selected. Optional riders may be available at an additional cost. Policies have limitations and exclusions that may affect benefits payable. Refer to the specific policy and rider form(s) for complete details, definitions, limitations and exclusions. In AR, ID, OK, OR, PA, TX and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22.Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company.
Aflac Medicare Supplement Insurance policy series AFLMS. Coverage not available in all states, including but not limited to NM or NY. Some plans may be available to qualified consumers under age 65. Plans not available in all states. Benefits/premium rates will vary based on coverage selected. For complete details of benefits, definitions, and exclusions, please carefully read the outline of coverage and policy forms, and refer to the "Guide to Health Insurance for People with Medicare." Aflac Medicare supplement insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. All benefits payable under the policy are based upon Medicare-eligible expenses (as applicable). InIdaho, policies AFLMSP22A-ID, AFLMSP22F-ID, AFLMSP22G-ID, AFLMSP22N-ID. InOklahoma, policies AFLMSP22A-OK, AFLMSP22F-OK, AFLMSP22G-OK, AFLMSP22N-OK. InVirginia, policies AFLMSP22A-VA, AFLMSP22F-VA, AFLMSP22G-VA, AFLMSP22N-VA. Aflac Medicare Supplement insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated, and is administered by Aetna Life Insurance Company. 1021 Reams Blvd,Franklin, TN, 37064;
Tracing its roots back to 1910, American-Amicable Life Insurance Company of Texas is a progressive special markets insurer. The Company offers innovative life insurance and annuity products developed to target the individual needs of protection, wealth creation and estate preservation.
Historically anchored on a foundation of financial integrity, responsible management, and a strong commitment to every policyholder, American-Amicable Life Insurance Company of Texas looks to the future with great enthusiasm.
American-Amicable Final Expense Product Highlights:
Issue ages 0 to 85 (ages vary in some states)
Multiple Death Benefit Plans to qualify for based on health history
No Cost accelerated benefits including Terminal Illness & Confined Care
Affordable Premiums that never increase regardless of changes to your age or health.
Death Benefit cannot decrease regardless of changes to your age or health.
Benefits are paid to your beneficiary and are not subject to federal income tax.
Cannot be canceled because of changes to your age or health as long as premiums are paid.
Accumulated Cash Value can be used for emergencies or other financial needs.
No Medical Exams or blood work required as part of the application process.
American Amicable is A.M. Best Rating: A Excellent. They have a strong focus on service and support which makes them very easy to do business with.
When meeting customers to discuss Medicare Advantage (MA) plans during AEP, CMS strictly prohibits agents from discussing non-health-related financial products, such as life insurance policies or annuities. Yet savvy agents will still watch for opportunities to discuss life insurance when the time is right. One potentially worthwhile area to explore involves the Medicare beneficiary’s family members.
KNOW WHO’S IN THE ‘CIRCLE OF TRUST’
Warm-ups and fact-finding help agents get to know their AEP customers and, often, the client’s family as well — especially family members who help decide something as important as Medicare coverage. Agents must consider the influence these trusted individuals have with clients. Whether present during the AEP appointment or not, customers and their trusted family members will talk.
Embracing the concerns of the client’s family turns an AEP appointment into an opportunity to make a good impression on the extended family and establish trust. Think of the possibilities! Everyone in that inner circle will likely have life insurance needs of one kind or another. And many decision Helpers will be approaching the age when they too could benefit from the expertise of agents who serves older clients.
THE BEST CUSTOMER IS AN EXISTING CUSTOMER
New MA clients should top agent lists of life insurance prospects. The question is when and how to raise the subject.
Medicare coverage can be complicated. Compliant agents set up follow-up appointments to ensure their clients are happy with their chosen plans. A good opportunity to bring up life insurance may come up during follow-up appointments. Agents may introduce final expense plans by pointing out that this type of coverage may cover funeral and/or burial expenses not covered by a Medicare plan. If beneficiaries request information about different plan types than they previously agreed to, agents will be required to complete a new scope of appointment.
Or maybe bring up a family member who was central to earlier conversations. For instance, an agent might ask if the daughter involved in the MA decision would also lead when making “final arrangements” for the customer. If so — and if the need exists — suggest a final expense policy to save that loved one from out-of-pocket costs during what will already be a difficult time. Or maybe the agent learned about other family members that the MA client would want to protect.
Success during AEP is crucial to business growth for agents. Fortunately, it isn’t a one-and-done opportunity. Agents will set themselves up for success – not only during AEP but for many years to come – when they respect the wishes and concerns their customers have regarding family members.
Life is good! Sell it!
By David Paul, National Sales Director, Simplified Issue Life
While Medicare provides coverage for health-related expenses, it doesn't cover all costs — such as copayments, coinsurance and deductibles. Because consumers need a way to help manage expenses during retirement, Aflac introduced its Medicare Supplement Insurance policies to help fill some of these coverage gaps.
With Aflac's Medicare Supplement plans A, F, G, and N, consumers will have the freedom to choose any provider that accepts Medicare at a convenient location that best meets their needs, without precertification or pre-authorization. Plan benefits remain the same year after year and are portable, so if policyholders move or travel, their coverage goes with them.
*Excludes guaranteed issue and underage disability business. Issued cases must be underwritten during open enrollment and specific to Aflac Medicare Supplement Insurance underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated. To be considered qualifying business, applications must be submitted and issued between 10/1/2022 and 12/31/2022. Qualifying cases will be evaluated and paid on a monthly basis. Agent must be actively appointed and remain in good standing with Aflac throughout the duration of the contest period. FOR AGENT USE ONLY.
Confidential – Recruiting Purposes Only. Aflac agents are independent agents and are not employees of Aflac. This content contains information and material that is owned by Aflac and/or its licensors, and is protected by applicable intellectual property and other laws, including but not limited to copyright. By accessing, you agree that you will not use the information in any way whatsoever except for the sole purpose of reviewing Aflac materials from a recruiting standpoint. You further agree not to modify, loan, sell, distribute, or create derivative works based on these materials. Any use not specifically permitted here is strictly prohibited. Aflac Medicare supplement insurance, policy series AFLMS, may not be available in all states. Aflac Medicare supplement insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. Aflac Medicare Supplement insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated, and is administered by Aetna Life Insurance Company
With Aflac Final Expense Whole Life Insurance, policyholders can help protect their loved ones' financial security by helping to pay for end-of-life expenses not covered under Medicare and other programs, while also encouraging families to address uncomfortable discussions about final expenses.
The average out-of-pocket medical expenses during one's last year of life can total nearly $10,000.1 In addition to these expenses, there are often significant costs involved when settling a loved one's estate, and the median funeral expenses are almost $8,000.2 Considering that nearly 50% of American workers say they would not be able to pay more than $1,000 in out-of-pocket medical costs in the event of an accident or injury,3 Aflac's Final Expense Whole Life Insurance can help protect loved ones from inherited expenses.
Aflac's Final Expense Whole Life Insurance is available in two options: the Level Plan and the Modified Plan. Both plans include a guaranteed level premium — meaning premiums will never increase — and a guaranteed death benefit paid to the beneficiary while the policy is active. Plans are available for individuals age 45 to 80. Benefit amounts range from $2,000 to $50,000, depending on the plan selected. The level plan also offers the option to elect accelerated and accidental death benefit riders, as well as a children's term insurance rider.
Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. Our customers choose Aflac because of our commitment to providing them with the confidence that comes from knowing they have assistance in being prepared for whatever life may bring. Aflac’s Final Expense Whole Life insurance policy is just another way we can be there for you and your family when you need us most.
Aflac Final Expense Insurance: Coverage may not be available in all states including but not limited to NM or NY. Benefits/premium rates may vary based on coverage selected. Optional riders may be available at an additional cost. Policies have limitations and exclusions that may affect benefits payable. Refer to the specific policy and rider form(s) for complete details, definitions, limitations and exclusions. In AR, ID, OK, OR, PA, TX and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22.Aflac Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated and is administered by Aetna Life Insurance Company.
Aflac Medicare Supplement Insurance policy series AFLMS. Coverage not available in all states, including but not limited to NM or NY. Some plans may be available to qualified consumers under age 65. Plans not available in all states. Benefits/premium rates will vary based on coverage selected. For complete details of benefits, definitions, and exclusions, please carefully read the outline of coverage and policy forms, and refer to the "Guide to Health Insurance for People with Medicare." Aflac Medicare supplement insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. All benefits payable under the policy are based upon Medicare-eligible expenses (as applicable). InIdaho, policies AFLMSP22A-ID, AFLMSP22F-ID, AFLMSP22G-ID, AFLMSP22N-ID. InOklahoma, policies AFLMSP22A-OK, AFLMSP22F-OK, AFLMSP22G-OK, AFLMSP22N-OK. InVirginia, policies AFLMSP22A-VA, AFLMSP22F-VA, AFLMSP22G-VA, AFLMSP22N-VA. Aflac Medicare Supplement insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Aflac Incorporated, and is administered by Aetna Life Insurance Company. 1021 Reams Blvd,Franklin, TN, 37064;
When meeting customers to discuss 
