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Products

Telesales Products

These are the products that you can sell over the phone.  Our recommendation is that you use the products that has the simplest method of obtaining the client signature (voice signature) which are the following:

Columbian Financial Group products

  • CFG Dignified Choice Whole Life for final expense leads.

  • CFG SafeShield Term for mortgage protection leads or any need for term insurance.

Great Western Insurance Company (GWIC)

  • Great Western Guaranteed Issue Whole Life product for the very sick who cannot qualify for a normal whole life product or the term product.

  • If your guaranteed issue client is age 81 - 85, then AIG is the go to company.

So if you are new, just focus on learning the CFG products and the GWIC product for now so you can get out of the gate quick.  Now if for some reason you are not able to write CFG or GWIC, then choose an alternative whole life and term product listed below under "Other" products.

Here is a good guide for remote sales products:  click here

Here is a great video on Gina Hawks teaching the basics of our telesales products:

What to Sell For Final Expense Leads

For the clients that  furn in the final expense leads we typically use a whole life product.  If their health is so bad that they cannot qualify for the whole life product, then we will write a guaranteed issue whole life product.  Our product recommendations are below:

For your standard whole life final expense client:
Columbian Financial Group Choice WL

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

3)  Download the Build Chart: click here

4)  Download the Medication List:  click here

5)  Download the Medical Questions (this will help you determine what to quote): click here

6)  The telesale signature procedure:

If your client does not qualify for a standard whole life product due to health, and they are between 40 - 80 years of age, use this Guaranteed Issue Whole Life product:
Great Western Guaranteed Issue Whole Life

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

If your client does not qualify for a standard whole life product due to health AND they are over the age of 80 OR they are located in the following states:  AK, CT, DC, DE, HI, ME, VT, then use this Guaranteed Issue Whole Life product:
AIG Guaranteed Issue Whole Life

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

Selling Mortgage Term Products

For clients that turn in the mortgage protection lead or if they are looking for term insurance these are the products we would write:
CFG SafeShield Term

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

3)  Download the Build Chart: click here

4)  Download the Diabetes Guide: click here

5)  Medication List:  click here

6)  Unacceptable Risk List: click here

7)  The telesale signature procedure:

Other Mortgage Term Products

If you cannot contract with CFG, then these products are available to sell over the phone.
Foresters Strong Foundation

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

3)  Download the Build Chart: click here

4)  Download the Diabetes Guide: click here

5)  Medication List:  click here

6)  Download the Underwriting Guide: click here

7)  Here is the COVID-19 Questionnaire - click here

Mutual of Omaha Term Life Express

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

3)  Download the Build Chart: click here

4)  Medication List: click here

5)  Download the Underwriting Guide: click here

When You Have To Go To Fully Underwritten Term Option

Okay so when you run into the healthy person that needs a larger amount of term insurance and they are relatively healthy, then go with Foresters YourTerm
Foresters YourTerm

1)  Download the product guide: click here

6)  Download the Underwriting Guide: click here

Other Whole Life Products

Foresters PlanRight Whole Life

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

3)  Download the Build Chart: click here

4)  Download the Medication List:  click here

5)  Download the Underwriting Guide - click here

5)  Download the Medical Questions (this will help you determine what to quote): click here

Mutual of Omaha Living Promise Whole Life

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

3)  Download the Build Chart: click here

4)  Download the Medication List:  click here

5)  Download the Medical Questions (this will help you determine what to quote): click here

If you reside in the state of NY and sell in NY then this is the whole life product you will need to write:
Transamerica Solutions Whole Life

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product guide: click here

3)  Download the Build Chart: click here

4)  Download the Medical Questions (this will help you determine what to quote): click here

If you cannot get contracted with Mutual of Omaha or Transamerica use this carrier:
Nassau RE Remembrance Whole Life
(Not available in MA, ME, MN & NY)

1)  Learn the product on the Alliance University Training website (you will need your Alliance log in info, click on the cart button - $0,00 and check out to get to the training page. Then when you get to the order summary page, click on the name of the course and you will go to the course page.):   click here

2)  Download the product training: click here

3)  Download the Build Chart: click here

4)  Download the Medical Questions (this will help you determine what to quote): click here

5)  Download the latest COVID-19 Underwriting Guidelines - click here

ABN Financial Group
1301 Lyons Rd #H
Dayton, OH 45458
(937) 435-7540

©2020 by ABN Financial Group

John 3:16

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