Specifically, we are referring to Fidelity Life’s – Rapid Decision Term Product, which now offers up to $300,000 in maximum coverage. Designed for simplified issue, this term life product features:
- No exams, no tests, no waiting periods and no processing delays*
- The most convenient application and underwriting processes available in the industry today
- The best standard rates in the industry (particularly unbeatable 30 year term). You can be challenged to find a company less expensive! (see sample rates below)
- Simple solution for all your standard class clients
- Fantastic commissions - 91%
- With Rapid Decision Term, you can get paid with a week
- Commissionable policy fees
RD Product and New Business Guide
RD Product Approvals by State
Because of all these factors, we encourage agents to introduce this product and take advantage of a quicker decision policy and the best commission structure available in the industry today!
| Male 20 Year Term |
|
|
|
|
|
|
| Age |
Class |
$50K |
$100K |
$150K |
$200K |
$250K |
| 25 |
Standard Non-Smoker |
$148 |
$180 |
$228 |
$275 |
$323 |
| 30 |
Standard Non-Smoker |
$171 |
$221 |
$289 |
$357 |
$425 |
| 35 |
Standard Non-Smoker |
$166 |
$218 |
$285 |
$351 |
$418 |
| 40 |
Standard Non-Smoker |
$207 |
$284 |
$384 |
$483 |
$583 |
| 45 |
Standard Non-Smoker |
$268 |
$390 |
$543 |
$695 |
$848 |
| 25 |
Standard Smoker |
$197 |
$250 |
$333 |
$415 |
$498 |
| 30 |
Standard Smoker |
$231 |
$308 |
$420 |
$531 |
$643 |
| 35 |
Standard Smoker |
$276 |
$386 |
$537 |
$687 |
$838 |
| 40 |
Standard Smoker |
$366 |
$540 |
$768 |
$995 |
$1,223 |
| 45 |
Standard Smoker |
$505 |
$778 |
$1,125 |
$1,471 |
$1,818 |
| Male 30 Year Term |
|
|
|
|
|
|
| Age |
Class |
$50K |
$100K |
$150K |
$200K |
$250K |
| 25 |
Standard Non-Smoker |
$148 |
$180 |
$228 |
$275 |
$323 |
| 30 |
Standard Non-Smoker |
$171 |
$221 |
$289 |
$357 |
$425 |
| 35 |
Standard Non-Smoker |
$203 |
$279 |
$376 |
$473 |
$570 |
| 40 |
Standard Non-Smoker |
$267 |
$384 |
$534 |
$683 |
$833 |
| 45 |
Standard Non-Smoker |
$360 |
$543 |
$772 |
$1,001 |
$1,230 |
| 25 |
Standard Smoker |
$219 |
$288 |
$390 |
$491 |
$593 |
| 30 |
Standard Smoker |
$268 |
$371 |
$514 |
$657 |
$800 |
| 35 |
Standard Smoker |
$336 |
$488 |
$690 |
$891 |
$1,093 |
| 40 |
Standard Smoker |
$457 |
$689 |
$991 |
$1,293 |
$1,595 |
| 45 |
Standard Smoker |
$627 |
$984 |
$1,434 |
$1,883 |
$2,333 |
Call American Brokerage Services, Inc. today to learn how we can help you issue term insurance in 48 hours at 888-227-3131!
*Occasionally a medical exam, test or report will be ordered to assist in clarifying or correcting an item of medical history.
