SolutionSolutionSeriesSeries

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Solution Series FeaturesSolution Series Features

Ordinary Whole Life InsuranceTwo Plans Available:

Golden SolutionFamily Solution

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Golden Golden Solution PlanSolution Plan

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Golden Solution FeaturesGolden Solution Features Issue Ages 50-85 3 Versions Depending on How Health Questions Are Answered

1. Immediate Death Benefit – pays 100% of face amount immediately upon death Maximum Coverage $35,000 (Issue Ages 50 – 75) Maximum Coverage $20,000 (Issue Ages 76 – 85)

2. Graded Death Benefit – pays 30% of Death Benefit if Death Occurs in 1st year, 70% in the 2nd year, 100% in the 3rd year and after. Pays 100% for accidental death. Maximum Coverage $15,000 (All Ages)

3. Return of Premium Death Benefit:• If Issue Age is Less Than 65, Pays Return of Premiums paid plus 10%

Annual Interest if Death Occurs within the First 3 years (Thereafter 100% of Face Amount)*

• If Issue Age is 65 or Greater, Pays Return of Premiums paid plus 10% Annual Interest if Death Occurs within the First 2 years (Thereafter 100% of Face Amount)*

Maximum Coverage $15,000 (All Ages)• Pays 100% of Face Amount if Accidental Death

Golden Solution Golden Solution Determining EligibilityDetermining Eligibility

If the answer is “Yes” to any question above (1-3), then the applicant is not eligible for coverage.

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Golden Solution Golden Solution Determining EligibilityDetermining Eligibility

If the answer is “Yes” to any question above (4-7), then the applicant is eligible for the ROP Death Benefit only.

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Golden Solution Golden Solution Determining EligibilityDetermining Eligibility

If the answer is “Yes” to the question above (8), then the applicant is eligible for the Graded Death Benefit.

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Golden Solution Golden Solution Determining EligibilityDetermining Eligibility

If all the health questions on the application (1-8) are answered “No”, then the applicant

should apply for the Immediate Death Benefit.

Agent Use Only: Not for public distribution

Golden Solution RidersGolden Solution Riders Grandchild Rider (also covers Great Grandchildren)

Provides $5,000 on each grandchild through age 20. No limit to the # of Grandchildren that can be covered.Convertible to an individual policy for up to $25,000

(Guarantee Insurability).$12.00 per grandchild per year.Issue Ages (Grandchildren) - 180 Days to 15 years Issue Ages (Primary Insured) – 50 to 80In the event of the Death of the Primary Insured, the coverage

under this rider will be “Paid Up”.*

Customize the plan to fit your clients needs

* This Feature of this Rider is Available only on Immediate and Graded DB Plans (Rider Form # 9579); Not on the ROP DB Plan (Rider Form # 9581)

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Golden Solution RidersGolden Solution Riders Children’s Insurance Agreement*

Provides $3,000 per unit (max of 2 units) on children until age 25 or Primary Insured is age 65.

Convertible at a rate of up to 5 times the CIA coverage. $8.50 per unit per year. Available on children from 15 days to 18 years old, and up

to Age 60 on Primary Insured Additional, separate App (#9362) Must be Completed on

Children Accidental Death Benefit Rider* – provides an

additional amount of benefit if death is the result of an accident. Issue Ages 50 to 80Min Amt $2,500 / Max Amt is Face Amount of Policy* Not available with Return of Premium Plan

Agent Use Only: Not for public distribution

No Cost Riders Terminal Illness Accelerated Benefit Rider:

Can receive up to 100% of the death benefit when insured has a life expectancy of 12 months or less.

Requires disclosure form (9474). A Copy of Form is left with Applicant; No Signature Requirements.

Accelerated Benefits Rider - Confined Care*:• Full Time, Permanent Residence in Nursing Home• Fixed Monthly Pmt of 5.0% of face amount• Requires disclosure form (9761). Must be signed by

applicant and submitted along with the application

Agent Use Only: Not for public distribution

* Available on the Immediate Death Benefit Plan ONLY.

Golden Solution RidersGolden Solution Riders

Rider Name: Immediate Graded ROP

Grandchild Y Y Y

Child Rider Y Y NA

ADB Y Y NA

Term Illness* Y Y Y

Confined Care* Y NA NA

Checklist

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* No Additional Charge

Sales MaterialSales Material Brochure / Application Combo Form (9504)* Agent Guide Form (9507) “Eight Reason” Brochure Form (9612) Terminal Illness Accelerated Benefit Rider

Disclosure Form (9474) Accelerated Benefits Rider – Confined Care

Disclosure Form (9761) Money Purchase Sheets Form #9521-IDB* For Base App Only. State Specific Versions will use Separate

Brochure (#9505) and Application (9466).

Supplies may be ordered by calling the company or online at the company website

Agent Use Only: Not for public distribution

CustomerCustomer BenefitsBenefitsSimplified Issue/Simplified Underwriting

Telephone Verification Interview required on all applications (Preferably to be completed Point-of-Sale). Interviews can be completed in multiple languages.

No medical exams or blood work requiredAffordable rates that will not increaseBenefits passed to beneficiaries federal

income tax free

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Telephone InterviewsTelephone Interviews (2 Ways to Complete):

1. Point of SaleCompleted at Time of Application from Client’s HomeAll Interviews are RecordedCall Vendor using Toll Free NumberIdentify Yourself, Company, Product Being Applied for

(Golden Solution)Applicant Completes the Rest of the Interview on their ownIndicate on Application that Interview has been completedResults of Interview Transmitted to Home Office electronically

Agent Use Only: Not for public distribution

Telephone Interviews (Con’t)Telephone Interviews (2 Ways to Complete):

2. After Point of SaleIndicate on Application that Interview has NOT been

completed, and provide Applicant’s Phone #, and a “Best Time to Call”

Vendor will contact Applicant to complete Interview or schedule a time to complete

Results of Interview Transmitted to Home Office electronically

Agent Use Only: Not for public distribution

App Completion/Submission Good Field Underwriting is essential to avoid

unnecessary Underwriting delays Always Fully Complete All Required Sections and

Questions Provide Complete Details to “Yes” answers on health

questions. List any Medications currently taken and their associated

conditions If additional space is needed for details regarding health

questions or medications, please provide on a separate

sheet of paper and submit with app Telephone Interview Completed at Point of Sale – always

answer “Yes” or “No”Agent Use Only: Not for public distribution

Medical Information Bureau (MIB) Member Companies report conditions to

MIB database during the underwriting process

Our Company accesses the MIB database on all Golden Solution applications

MIB replies can trigger additional underwriting requirements (i.e. APS’s, Exams, etc.)

Golden Solution – Underwriting

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Pharmaceutical Database Check Check of National Pharmacy

Databases Databases are checked on every

Golden Solution Application Provides information on medications /

prescriptions taken by the Applicant May trigger additional underwriting

requirements (i.e. APS’s, Exams, etc.)

Golden Solution – Underwriting

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Family Family Solution PlanSolution Plan

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Family Solution FeaturesFamily Solution Features2 Versions Depending on How Health Questions

Are Answered1. Immediate Death Benefit – pays 100% of face

amount immediately upon death Maximum Coverage $35,000 (Issue Ages 0-49)

2. Return of Premium Death Benefit:• Pays Return of Premiums paid plus 10% Annual

Interest if Death Occurs within the First 3 years (Thereafter 100% of Face Amount)

Maximum Coverage $20,000 (Issue Ages 18-49)• Pays 100% of Face Amount if Accidental Death

Agent Use Only: Not for public distribution

Family Solution Family Solution Determining EligibilityDetermining Eligibility

If the answer is “Yes” to any question above (1-6), then the applicant is not eligible for coverage.

Agent Use Only: Not for public distribution

Family Solution Family Solution Determining EligibilityDetermining Eligibility

If the answer is “Yes” to any question above (7-9), then the applicant is eligible for the ROP Death Benefit only.

Agent Use Only: Not for public distribution

Family Solution Family Solution Determining EligibilityDetermining Eligibility

If all the health questions on the application (1-9) are answered “No”, then the applicant

should apply for the Immediate Death Benefit.

Agent Use Only: Not for public distribution

Family Solution RidersFamily Solution Riders Accidental Death Benefit Rider* – provides an

additional amount of benefit if death is the result of an accident. Issue Ages 0 to 49 Min Amt $2,500 / Max Amt is Face Amount of Policy

Children’s Insurance Agreement* Provides $3,000 per unit (max of 3 units) on

children until age 25 or Primary Insured is age 65. Convertible at a rate of up to 5 times the CIA

coverage. $8.50 per unit per year. Available from 15 days to 18 years old.

Customize the plan to fit your clients needs

* Not available with Return of Premium Plan

Family Solution RidersFamily Solution Riders Spouse Term Rider

Provides 20 year level term coverage on the spouse. Minimum - $5,000, Maximum - $35,000 not to exceed

base face amount. Issue Ages 15 to 49. Only Rider Available on ROP Plan.

Waiver of Premium Benefit* Waives the payment of each premium in the event of total

and permanent disability of the insured. Total Disability has Existed for 6 Consecutive Months Issue Ages 0-49

* Not Available with Return of Premium Plan

Agent Use Only: Not for public distribution

No Cost Riders Terminal Illness Accelerated Benefit Rider:

Can receive up to 100% of the death benefit when insured has a life expectancy of 12 months or less.

Requires disclosure form (9474). A Copy of Form is left with Applicant; No Signature Requirements.

Accelerated Benefits Rider - Confined Care*:• Full Time, Permanent Residence in Nursing Home• Fixed Monthly Pmt of 5.0% of face amount• Requires disclosure form (9761). Must be signed by

applicant and submitted along with the application

Agent Use Only: Not for public distribution

* Available on the Immediate Death Benefit Plan ONLY.

Family Solution RidersFamily Solution Riders

Rider Name: Immediate ROP

Spouse Term Y Y

WP Y NA

ADB Y NA

Child Rider Y NA

Term Illness* Y Y

Confined Care* Y NA

Checklist

Agent Use Only: Not for public distribution

* No Additional Charge

Sales MaterialSales Material Brochure / Application Combo Form (9656)* Agent Guide Form (9647) Terminal Illness Accelerated Benefit Rider

Disclosure Form (9474) Accelerated Benefits Rider – Confined Care

Disclosure Form (9761) Money Purchase Sheets Form (9597)* For Base App Only. State Specific Versions will use

Separate Brochure (9638) and Application (9617).

Supplies may be ordered by calling the company or online at the company website

Agent Use Only: Not for public distribution

CustomerCustomer BenefitsBenefits Simple Issue and Simplified Underwriting

Telephone Verification Interview NOT required* No medical exams or blood work required Affordable rates that will not increase Benefits passed to beneficiaries federal income

tax free* May be requested at Underwriter’s discretion; ordered only by

Home Office – Point of Sale NOT allowed (Example: Adult applicant with another individual listed as Owner / Payor)

Agent Use Only: Not for public distribution

App Completion/Submission Good Field Underwriting is essential to avoid

unnecessary Underwriting delays Always Fully Complete All Required Sections and

Questions Provide Complete Details to “Yes” answers on health

questions. List any Medications currently taken and their associated

conditions If additional space is needed for details regarding health

questions or medications, please provide on a separate

sheet of paper and submit with app

Agent Use Only: Not for public distribution

Medical Information Bureau (MIB) Member Companies report conditions to

MIB database during the underwriting process

Our Company accesses the MIB database on all Family Solution applications

MIB replies can trigger additional underwriting requirements (i.e. APS’s, Exams, etc.)

Family Solution – Underwriting

Agent Use Only: Not for public distribution

Confine Care Benefit

We now have a “no cost” confined care benefit provided on all final expense policies. This benefit provides a fixed monthly payment equal to 5% of the policy face amount if your client is confined to a Nursing Home.

SMOKERS Last but certainly not least!!! Did you know

that we do not consider the “occasional cigar and pipe smoker” as a tobacco risk? That’s right!! Individuals that only occasionally smoke cigar or use a tobacco pipe are now considered non tobacco on our Final Expense Plans.

Golden Solution & Golden Solution & Family SolutionFamily Solution

Questions??? CALL R.F.S. 877-968-5757

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