| Lincoln Financial Group (GTO/STO First Penn Pacific) |
| *Level Term 10-15-20-25-30 year guaranteed |
| *Top Commission |
| *E-Ticket Processing |
| *LifeStyle Universal Life - No lapse protection 20-25-30 year options |
| *Superior Underwriting Teams, excellent turn around time |
| U.S. FINANCIAL LIFE INSURANCE |
| *Clinical Underwriting |
| *Non Tobacco rates for the occasional smoker |
| *Impaired Risk Market - Diabetes, High Blood Pressure, Heart Disease, |
| Sleep Apnea, Liver Disease, (with normal biopsy), Build Issues |
| *Second to Die Survivor |
| *Universal Life - Nova and Super Nova - as low as 10,000 benefit |
| Other Available Carriers |
| Life Investors - Universal Life to age 100 |
| Jefferson National Life - 250,000 Non Medical ,7 questions applications |
| Presidential Life - Guarantee issue ( not available in all States ) |
| Texas Life Insurance Company ( MetLife Company ) |
| *Simplified issue 10,000 to 75,000. Perfect for final expense or kids policies |
| *Joint Last To Die |
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