Don't Buy Life Insurance--Buy What it Will Do!
CLU, FIC, LUTCF
National Sales Manager
time for us to get serious about life insurance ownership. According
to LIMRA, the industry research group, 30% of American households own
no life insurance whatsoever and a majority of families either have
no life insurance or not nearly enough!
insurance is an amazing property. I’m not talking about the policy
itself, which is a lot of clauses, numbers, and legal jargon. I’m
talking about what that life insurance policy will do when it’s
insurance can provide loved ones time to grieve without worrying
about money to pay the bills. It can pay off debts or loans,
providing family members the ability to move on with a clean slate.
It can keep families in their homes, and at their current standard of
living. It can provide money for children’s Christmas and birthday
presents as well as tuition and school expenses. It can fund higher
education, therefore providing a great head start in life. Life
insurance can keep a small business in operation, prevent the
necessity of a widow going to work, to try and make ends meet, give
children a full time parent and prevent them from becoming “latch
Insurance also has living value. The cash values of permanent life
insurance can help fund a retirement and provide money for
emergencies or opportunities.
policy, itself, is a piece of paper. It rests in a drawer or a safety
deposit box until it is needed. When it is needed, it springs into
action providing cash for all the things mentioned above. A small
premium buys a lot of cash and therefore a lot of security for a
family. For this reason, life insurance has been called the “Miracle
of Pen and Ink”. The premium is a small price to pay for loving
someone and wanting to make sure that he, she, or they are secure!
When is the last time you had your life insurance reviewed? How about
doing it now?? Don’t buy a policy; buy all the things it can do!
Patrick F. Braun
National Sales Manager
Stay tuned to this page for future news and exciting updates from your National
Log on to Illustration System - FCSLA has created a special "Producer Gateway" to provide sales tools to our contracted agents and licensed producers.
Non-Conforming Illustration Form (39K
PDF*) - This form must be submitted with any life insurance application that
is not accompanied by a signed illustration matching the application.
Ohio Insurance Guaranty Association Disclourse Statement 57KB PDF): This form is to be included with all OHIO applications. Please make sure you send a signed copy of this form with all OHIO life insurance and annuity applications.
Notice to the Proposed Insured (25K PDF) The MIB Authorization form has changed. The new form will take effect on January 1, 2013. This new MIB Authorization form (form #: MIB-2012) must be included with all life insurance applications starting January 1, 2013. Any applications with the old MIB Authorization form ( Form #: MIB 2009) received after 1/1/13 will be returned with the new form.
New York: MIB
Notice to the Proposed Insured (25K PDF)
This form will also take effect on January 1, 2013. It must be included with all New York Life Applications starting January 1, 2013. Any applications received after 1/1/13 will be returned with the new form.
Insurance and Annuity Applications - Answer a few questions and you will
get the application form (PDF) you need for immediate use.
Life Insurance Underwriting Guidelines
Chart (11K PDF*) - This document shows the medical information we require
for applicants based on issue age and amount of insurance applied for.
The Single Premium Whole Life Modified Endowment Contract Acknowledgement Form (120K PDF*) is required to be submitted with all Single Premium Whole Life applications. One to the Home Office with application, one copy to applicant, one copy to agent.
PDF*) - This
document explains the suitability form requirements by state.
Annuity Suitability Form (14K
PDF*) - This form must be submitted with any annuity
application where required by the state.
Life Insurance Suitability
PDF*) - This form must be submitted with any life
insurance application where required by the state.
Replacement of Life Insurance or Annuity Forms - Click here to find the appropriate Replacement Form for your state. This form must
be submitted with any replacement application (life insurance or annuity).
One copy to the Home Office with application, one copy to applicant, one
copy to agent.
Sales Material Verification Form (37K
PDF*) - This form must be submitted with any
replacement application (life insurance or annuity). One copy to the Home
Office with application, one copy to applicant, one copy to agent.
Electronic Fund Transfer
Non-qualified Section 1035 Tax Free Exchange Request
- For Life (35K PDF*) - This form
is required if the applicant is surrendering a policy with another company
and using that surrender as a tax-free exchange to purchase a policy from
FCSLA. This form must be submitted with the Replacement of Life Insurance
or Annuities form.
- For Annuity (59K
PDF*) - This form is required if the applicant is surrendering a policy
with another company and using that surrender as a tax-free exchange to
purchase a policy from FCSLA. This form must be submitted with the Replacement
of Life Insurance or Annuities form.
Qualified IRA Transfer Request (58K
PDF*) - This form is required if the applicant is transferring qualified
monies (401K, IRA, Roth IRA, Simple IRA, SEP) and depositing to a qualified
HIPAA Authorization (97K PDF*) - This authorization
will be used to obtain medical records, if necessary, from the doctor(s)
listed on the back of the form.
Marketing and Sales Support:
Display Advertisement Library -
A collection of FCSLA print ads in PDF format that can be downloaded and
used for your print advertisements.
* Adobe Reader is required to open and print
the documents on this page. If you do not already have Adobe Reader, it is
available as a free download from Adobe.)