Presidential Life Guaranteed Issue Plans

Presidential Life is a
leading provider insurance brokerage guaranteed issue plans fixed deferred and immediate annuities and life insurance products to financial service professionals

See What Presidential Life Guaranteed Issue Plans And Our Insurance Brokerage System Has To Offer You!

Graded Benefit Whole Life

The Presidential Life Graded Benefit (whole) Life policy is issued on a guaranteed issue basis for ages 40 - 80 in most states.** There are no medical questions, no medical examinations, and no medical tests required to obtain this coverage. The minimum policy face amount is $2,000, and the maximum, $50,000.

Benefits payable under the Graded Benefit (whole) Life policy are limited in the first two or three years, depending on the issue age of the insured.

If the insured is under age 65, the benefit payable in the event of death that does not result from accidental means during the first 3 policy years is an amount equal to the premiums paid plus 5% compounded annually.

If the insured is age 65 or older, the benefit payable in the event of death that does not result from accidental means during the first 2 policy years is an amount equal to the premiums paid plus 5% compounded annually.

If death occurs as the result of accidental means during a policy's 2- or 3-year graded benefit period, the death benefit payable under the policy will be premiums paid plus 5% compounded annually plus an accidental death benefit amount equal to the full face amount of the policy.

*Not approved in AR, CA, KS, IL, MA, MN, MT, NH, and WA
**Except NY: 50 - 75, MO: 40 - 75,
    NJ: 65 - 78 Male and 65 - 80 Female

Simplified Issue Whole Life

Young families face daunting financial challenges: mortgage notes, having children, car payments, crushing expenses and the responsibility of it all. This is where life insurance protection comes in to play, meeting these expenses in case of an untimely death with a tax-free benefit payment to your loved-ones who, continue to incur these expenses even after you are gone.

However, more often than not, life insurance protection is left out of the financial equation. In variably many young and healthy families carry-on without life insurance protection until one day, when youth and health begin to fade, and the need for life insurance protection becomes all too apparent.

Presidential Life can help when your health is less than perfect. While it may be too late to purchase all the life insurance protection you want for your family, Presidential Life’s Simplified Issue Whole Life (SIWL) insurance policy may provide life insurance protection, up to $20,000. A policy can be issued within 48 hours after answering only seven medical questions.

*As of May 1, 2009 approved in AL, AK, AZ, AR, CO, D.C., GA, ID, IA, KS,
    KY, LA, ME, MD, MA, MI, MN, MO, NE, NY, NC, OH, RI, SC, SD, TN, TX, WV, WI, WY
**Issue Ages and Maximum Face: 0 - 80 $2,000 (Minimum) to $20,000 (Maximum)
    81-85 $2,000 (Minimum) to $15,000 (Maximum)


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  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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