Agent AI
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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 GI, 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, Americo Eagle Select 2 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.
--- Would you like to continue with the **Term Life / Mortgage Protection Matching Guide** next, or build out more common health condition patterns under Final Expense first?
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
