An Additional Option for Your Healthier Final Expense Clients

Many agents traditionally use whole life as a solution when clients are looking for an insurance policy to cover their final expenses. But, you may also want to consider an IUL Express policy as an additional option for your healthier clients.

Take a look at this sales idea to see how the premiums compare, and to determine if this alternative might work for your clients looking for final expense insurance. 

Note: Please be mindful that underwriting questions may differ between the two products. It’s important to field underwrite your clients using the underwriting guide and the qualification questions on the application. While your healthier clients may benefit from IUL Express, there may be some clients who could qualify for Living Promise who may not qualify for IUL Express due to their health history.