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Final Expense: Product Matching Guide
Purpose: This guide teaches Coach Kelly how to evaluate Final Expense product eligibility and recommend the best match based on age, health, benefit preference, and state-specific limitations. Kelly should reference the detailed carrier articles for verification and quoting.
Step 1: Identify Key Matching Criteria
- Client Age — Some carriers cut off at 80 or 85. Note if age is 50–55, 66+, or 80+.
- Health Conditions — Use simplified patterns. Common red-flag conditions:
- Heart issues: CHF, recent MI, pacemaker, stroke
- Diabetes: Especially insulin use with complications like neuropathy or amputations
- Oxygen use or cancer within 2 years
- Dementia, Alzheimer’s, or ADL assistance
- Benefit Priority — What matters more?
- Lowest monthly premium
- Immediate day-one coverage
- Return of premium (ROP)
- Location & State Restrictions — Verify carrier availability in client’s state.
Step 2: Match to Carrier Options
Coach Kelly should use article tags and product summaries to determine eligibility and fit. Some basic pattern guidance:
- Preferred Health: Ages 50–75, no major conditions → Mutual of Omaha Living Promise Level, Americo Eagle Select 1, RNA Level Benefit
- Moderate Health: Insulin use, past cancer, COPD → Americo Eagle Select 2, RNA Graded Benefit
- Impaired Health: CHF, oxygen, stroke history → Americo Eagle Select 3, CICA, UHL GI, Mutual of Omaha Graded
- ROP Desired: Ask if client wants premium return → Family Choice ROP, Senior Choice ROP
- High Age (80–85): Use Mutual of Omaha or RNA; some carriers cut off at 80
Step 3: Recommend the Best Match
Return 1–2 product suggestions with carrier name, plan type, and why they match:
“Based on her age and use of insulin with no other complications, Royal Neighbors of America Ensured Legacy Final Expense Insurance would be a strong fit. It accepts insulin-dependent diabetics and provides day-one coverage. Mutual of Omaha Level Benefit is another good option if the diabetes is well controlled and no complications are present.”
Step 4: Link to Carrier Articles
Provide the link to the most relevant article for quoting and underwriting specifics. If unsure, redirect agent to LegacyAgent.com’s Agent Portal or quote tool for clarification.
Final Expense Product Matching: Lung Conditions
Oxygen Use
- Recommendation: Guaranteed Issue (GI) only
- Eligible Products:
- CICA Choice GI
- SBLI Living Legacy (GI)
- UHL Guaranteed Issue Whole Life
- Tags: Agent Final Expense, Underwriting, Guaranteed Issue, AgentAI
COPD / Emphysema / Chronic Bronchitis
- Stable and no oxygen use: May qualify for Standard/Level plans
- Eligible Products (stable):
- Americo Eagle Select 2 or 3
- Mutual of Omaha Living Promise (Standard)
- UHL Express Issue Premier
- Unstable or with complications: Use Guaranteed Issue options listed above
- Tags: Agent Final Expense, Underwriting, Simplified Issue, AgentAI
Inhalers Only (No oxygen, no hospitalizations)
- Recommendation: May qualify for Preferred/Level
- Eligible Products:
- Mutual of Omaha Living Promise (Preferred)
- Americo Eagle Select 1 or 2
- UHL Express Issue Premier
- Tags: Agent Final Expense, Underwriting, Preferred, AgentAI
Final Expense Product Matching: Cancer History
Current Cancer or Cancer within the Last 2 Years
- Recommendation: Guaranteed Issue (GI) only
- Eligible Products:
- CICA Choice GI
- SBLI Living Legacy (GI)
- UHL Guaranteed Issue Whole Life
- Tags: Agent Final Expense, Underwriting, Guaranteed Issue, AgentAI
Cancer History >2 Years Ago, No Recurrence
- Recommendation: Graded or Standard coverage possible
- Eligible Products:
- Americo Eagle Select 2 or 3
- Mutual of Omaha Living Promise (Standard)
- Royal Neighbors Graded Benefit Plan
- UHL Express Issue Premier
- Tags: Agent Final Expense, Underwriting, Graded, Cancer History, AgentAI
Minor Skin Cancer (e.g., Basal Cell)
- Recommendation: May qualify for Preferred/Level
- Eligible Products:
- Mutual of Omaha Living Promise (Preferred)
- Americo Eagle Select 1
- UHL Express Issue Premier
- Tags: Agent Final Expense, Underwriting, Preferred, Skin Cancer, AgentAI
Final Expense Product Matching: Diabetes
Insulin Use with Major Complications (Neuropathy, Retinopathy, Amputation)
- Recommendation: Modified or Guaranteed Issue
- Eligible Products:
- Americo Eagle Select 3
- Mutual of Omaha Graded
- CICA Choice Standard (case-by-case)
- UHL Guaranteed Issue Whole Life
- Tags: Agent Final Expense, Underwriting, Diabetes Complications, Graded, Guaranteed Issue, AgentAI
Insulin Use without Complications
- Recommendation: Graded or Standard Benefit depending on control and duration
- Eligible Products:
- Americo Eagle Select 2
- Mutual of Omaha Standard
- RNA Graded Benefit
- UHL Express Issue Premier
- Tags: Agent Final Expense, Underwriting, Diabetes, Graded, AgentAI
Oral Medication Only, No Complications
- Recommendation: Preferred or Standard coverage
- Eligible Products:
- Mutual of Omaha Preferred
- Americo Eagle Select 1
- RNA Level Benefit
- Tags: Agent Final Expense, Underwriting, Diabetes Controlled, Preferred, AgentAI
Final Expense Product Matching: Heart Conditions
Recent Heart Attack (within 12–24 months), Stroke, or CHF (Congestive Heart Failure)
- Recommendation: Graded or Guaranteed Issue
- Eligible Products:
- Americo Eagle Select 3
- Mutual of Omaha Graded
- CICA Choice Standard
- UHL Guaranteed Issue Whole Life
- Tags: Agent Final Expense, Underwriting, Heart Attack, Stroke, CHF, Graded, Guaranteed Issue, AgentAI
History of Stroke or Heart Attack Over 2 Years Ago, Stable
- Recommendation: Graded or Standard depending on control and meds
- Eligible Products:
- RNA Graded Benefit
- Mutual of Omaha Standard
- Americo Eagle Select 2
- Tags: Agent Final Expense, Underwriting, Stroke History, Heart History, Graded, AgentAI
Pacemaker or Stents, No CHF or Recent MI
- Recommendation: Standard or Preferred depending on timing and control
- Eligible Products:
- Mutual of Omaha Preferred
- Americo Eagle Select 1 or 2
- RNA Level Benefit
- Tags: Agent Final Expense, Underwriting, Pacemaker, Stents, Heart Surgery, AgentAI
