Product Training

Professionals at Senior Solutions

By using Senior Solutions’ insightful sales program, you are sure to be a success while helping families and seniors, and make tons of money in the process. It is not a complicated system. It is delivered through written material sales scripts, audio, and video training. This proven system is a free resource for agents to receive in-depth sales training.

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Affordable Term Life Insurance

Term life is the perfect solution for those clients looking to get the biggest face amount for the lowest premium. Ideally, term life insurance is used to cover large debts such as a home mortgage or a business loan. Term life is also a good solution for those clients worried about income replacement due to death, illness or critical injury. Many of the term life policies sold today offer living benefits for terminal, chronic and critical illness. Term life with living benefits is the life insurance you don’t have to die to use.

EXAMPLE RATE: Bob age 55 can receive a $500K 10 yr term for less than $29./mo

Whole Life Insurance

Whole Life insurance is for anyone between the ages of 0 and 85 that wants the security and the peace of mind of life insurance that is guaranteed to be there. Whole life insurance offers premiums that are guaranteed to never increase as well as guaranteed cash value. Some Whole life policies even offer dividends that can be paid out in cash or reinvested to purchase additional paid-up life insurance.

Whole life is the no-brainer life insurance policy that offers clients safety and security without having to worry about the market and economic downturns.

Annuities 

Annuities are a contract between you and the insurance company and are designed with a long-term commitment in mind.

Annuities can provide you a fixed rate of return and an income stream for a specified period of time. The periods of income range from 10-20 years or you maybe eligible to elect a Life Time income benefit that is guaranteed to never end for as long as you live. This is a huge advantage over other investment products because your nest egg is protected from the downside risk of being in the market and you can elect an income period that best suits your individual needs. Many people utilize 401(k), IRA, and other tax-deferred programs to build their retirement nest egg and often these funds are allocated in mutual funds and other variable interest products.

Once you are close to retirement or even already retired you do not want to take risk of losing your hard earned money with a market loss. This is where and Indexed Annuity solution is best. It will guarantee not to lose any money and give you a rate of return that mirrors the market. Ask a representative for more details.

Indexed Universal Life

An Indexed Universal Life policy is like a 401K on steroids. Simply put IULs offers financial benefits if you DIE TO SOON, BECOME ILL, or LIVE TOO LONG. This is a life insurance that you don’t have to die to receive benefits. You can be your own beneficiary sort of speak.

1. It has the traditional Death Benefit to your designated beneficiary.
2. It pays you a benefit for Chronic or Critical Illnesses. Such as: Strokes, Heart attacks, Cancer and other several illnesses.
3. It also has a tax-free retirement plan built in. An IUL policy accumulates cash value over the years and can be used to help supplement your retirement with a TAX-FREE income stream that is guaranteed for life.

Final Expense

No one wants to think about their own passing, but at the same time, no one wants to leave the financial burden of funeral cost to their loved ones either. Unfortunately, the first thing we do when we pass away is leave a financial burden to our family. Funeral cost and unpaid medical bills can add up very quickly. According to the National Funeral Director’s Association, today’s funeral cost can easily exceed $10,000.

With proper planning and the right final expense plan, you can alleviate the financial burden associated with the high cost of funerals today. Most of the plans offered through Senior Solutions offer benefits available from day one including living benefits such as accelerated death benefit for nursing home confinement and terminal illness. A final expense plan will give you the peace of mind and good feeling knowing your family will not be financially burdened after your passing.

Mortgage Protection

For most Americans, homeownership is most likely the largest and most important purchase we make in our lifetime.

With mortgage protection life insurance, we are able to offer our clients personal coverage’s that protect those in the household, (not the mortgage lender).

Many of the mortgage protections plans offered today include FREE riders such as Terminal, Chronic and Critical Illness. There are paid riders available as well which include but not limited to Disability Income, Waiver of Premium, Accidental Death and Return of Premium (ROP). Our agents are trained to answer all of your questions, while recommending other added benefits and features tailored to any families needs. Mortgage Protections offers the peace of mind knowing your family will be able to maintain your home in the event of a tragedy.

Guaranteed Acceptance Life

Guaranteed acceptance life is the perfect solution for those between the ages of 18 and 80 that need high-quality life insurance, but are dealing with significant health issues. Guaranteed acceptance life insurance allows clients to receive up to $50,000 of coverage without having to answer any medical questions. The plans we offer are extremely affordable and will give you the peace of mind and good feeling knowing your family will not be financially burdened after your passing.

Children’s Whole Life

Get your kids and grand kids off to a good start with children’s while life insurance. Whole life for kids is very affordable and offers protection associated with an unexpected loss as well as protection for future insurability. Whole life for kids has a plan that start as low as $4. per month for $10,000 of coverage and this rate is guaranteed to never increase. There are also plans available that can be paid-up in as little as 10 years.

Critical & Chronic Illness

If you are 50 yrs old you are 10 times more likely to suffer a critical or chronic illness than you are to die of a heart attack. In fact, 90% of the people under the age of 65 that suffer a heart attack don’t die. Critical and chronic illness protection can offer you an income stream or a lump sum benefit when you need it the most. When someone suffers a critical or chronic illness in most cases their income goes down, but their expenses go up. For most folks, this can be absolutely financially devastating.

The best time to purchase critical and chronic illness is when you are young, healthy and think you don’t need it. Everyone knows a story of someone that was struck down in their prime with cancer or some horrible debilitating disease. Critical and chronic illness protection gives you the income you need when you need it the most.