Simplified Products-Faster Results 

 
Non-Med Term Insurance to $200,000!
  
  • Issue Ages: 20-45 (age nearest) (1)
  • No paramed exams, no bodily fluids testing.  (3)
  • Simplified application!
  • Personal History Interview Required.
  • Available Riders: (4) Waiver of Premium, Accidental Death Benefit (min $10,000), Child Rider (2) and No-cost Terminal Illness Benefit.

    •  

    1 Issue ages 46 and above have lower face amount maximums. 

    2 Limited to one unit ($5,000) of coverage, with no charge, on ROP Term products with face amounts of $100,000 or more. Not available on ROP.

    3 Oral fluid/HIV testing collected by a paramed is required for WI applicants.

    4 Product/rider availability and issue ages may vary by state. Rider availability varies by product. 

   
No-Cost Insurance for Children
  
Get a FREE $5,000 Child Rider on a $100,000+ base face amount on certain term products!
  
  • Simple app/simplified underwriting.
  • Level term insurance.
  • Convertible to permanent coverage with no underwriting at child's age 21. (1)
  • Additional coverage (up to $15,000 more) may be purchased on certain products.

    •  

    1 Or rider termination date, whichever is earlier. 

     Rider availability varies by state.
  
ROP Term-Flexibility Built In!
You have options!
  
  
  • ROP option: a refund of annual premiums paid at the end of initial term period (and coverage terminates).
  • Surrender: at any time for net cash value (and coverage terminates).
  • Reduced Paid-Up (RPU): use policy net cash value to purchase non-par paid-up insurance to age 95 (and RPU coverage continues).   

RPU face amount based on policy net cash value and attained age.

RPU policy has no cash value, no premiums due.

Policyowner can elect only one option.  

Product/rider availability and issue ages vary by state.

Shaw American
www.shawamerican.com
We would love to discuss this A- Excellent rated Company and their
Products to see if they will work for your clients today.
Give us a call today!
(800) 626-5888 Option 5