Level Four Insurance Services
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Wealth Transfer Virtual Agent Kit
www.levelfourinsurance.com Call Us Today: (800) 460-5567
Agent Contract Point of Sale Underwriting If you like Annuities
Generation Legacy:
(SPIA / Life Wealth Transfer)
NEW ENHANCEMENT! "2 Lives" Policy Option B
Secure Solutions:
(Single Premium Whole Life)

Ideal Single Premium Source
Existing Annuities and Qualified Plans
SPOUSE #1 NQ/Q ACCOUNT CAN NOW FUND LIFE INSURANCE ON SPOUSE #2!!
Issues Ages - 60 - 80
Underwriting Classes
Nontobacco and Tobacco
Standard – Table 4

Point of Sale Underwriting
YES – Over 90% POS Decisions
Minimum Premium - $5000
Partial Withdrawal Options
From available cash value after WL policy is paid up (policy year 7 or 10)



Loans - From available CV at Maximum Rate of 8%
Accelerated Death Benefit
(Included at issue in approved states)
     • Terminal Illness – 75%
     • Nursing Home – 50%
     • Extended Care / Home Health Care / Adult Day Care – 50%
$100 Admin Charge and 8% interest on ADBR lien deducted from face amount of whole life policy
Maximum Face Amount
SPIA single premium that purchases up to $450,000 for whole life policy





Death Benefits
Face amount of whole policy and remaining payments from SPIA
Ideal Single Premium Source
After Tax Cash Vehicles (CD, Money Market, 1035 Exchanges)

Issues Ages - 50 - 85
Underwriting Classes
Nontobacco and Tobacco
• Level 1: Standard – Table 4
• Level 2: Table 5 – 8
Point of Sale Underwriting
YES – Over 90% POS Decisions
Minimum Premium - $5000
Partial Withdrawal Options
     • Year 2 – 10%
     • Year 3 – 20%
     • Year 4 – 30%
     • Year 5 – 40%
     • Year 6+ – 100% of available CV
Loans - From available cash value at a maximum rate of 8%
Accelerated Death Benefit
(Included at issue in approved states)
     • Terminal Illness – 95%
     • Nursing Home – 90%
     • Extended Care / Home Health Care / Adult Day Care – 80%
     • $250 Admin Charge
    • Partial Acceleration available

Maximum Face Amount
Maximum Net Amount at Risk:
Level 1 (Standard – Table 4)
    50 – 80 – $250,000
    81 – 85 – $150,000
Level 2 (Table 5 – 8)
    50 – 80 – $200,000
    81 – 85 – $130,000
Death Benefits
Face amount of SPWL

Agent Guide
MobileLink® to Rates and Product Info
Sample Application
Gen Leg Face Amounts
Sample Illustration
State Approvals
Client Brochure
Client Presentation
Mandatory Product Training

Agent Guide
MobileLink® to Rates and Product Info
Sample Application
SPWL Face Amounts
Sample Illustration
State Approvals
Client Brochure
Client Presentation
For Agent Use Only All Products Not Approved In All States