At Crossroads Financial Group, we are committed to bring you top quality products and concepts so you can provide the right solutions for your clients. Below is a brief summary of many of the products we offer. Take a look through the products we offer, then get in touch with us to learn more about how we can help.
Long Term Care
A long term care event is the single largest threat to your clients’ retirement security. Yet it’s the one risk most commonly overlooked by both clients and planners. We’ll provide you the tools, training, product and presentations you need to close long term care sales.
Funeral Trusts
Unique Senior Niche product!
Studies show 90% of seniors want the peace of mind provided by having the funeral arrangements pre-planned, and have the funds set aside. Crossroads Financial Group was one of the original retail outlets for this product. We know how to sell it, and can teach you! Contact us to schedule a training workshop in your agency.
Studies show 90% of seniors want the peace of mind provided by having the funeral arrangements pre-planned, and have the funds set aside. Crossroads Financial Group was one of the original retail outlets for this product. We know how to sell it, and can teach you! Contact us to schedule a training workshop in your agency.
LTC-Hybrid Products
Sometimes traditional Long Term Care Insurance isn’t the right choice. Whether health issues are keeping your client from qualifying, or the “use it or lose it” nature of traditional LTC is a turn-off, we work with innovative companies that can offer alternative methods for covering your clients’ long term care risks.
Single Premium Life
A Great Alternative to CD’s and Annuities! Single pay whole life and UL provide access to cash values, tax advantaged accumulation, and simplified underwriting.
Whole Life
Face amounts starting as low as $2,500, plus top of the industry carriers for large cases. Specify low premium or high dividend performance. Unique riders include disability income, cash value additions riders, and dividend-converted term. Ideal products for child policies, paid up at 65 cases, all the way up to estate planning.
Term
Our exclusive term database allows you to search nationwide to find the best rate possible. Multiple carriers of full guarantee term, return of premium, term with critical illness, term with long term care rider, allow us to meet every niche. Unbeatable smoker rates, face amounts as low as $2,500. Paperless and no signature app options available. Want a 17 year term? We’ve got it! You can quote it! Login to the Agent Portal to run quotes, or contact us for your term insurance needs.
Fixed Annuities
Let us use our annuity search tool to choose annuities by rate of return, surrender period, issue age, and withdrawal privilege to find the product that fits your client. Multi-year guarantees, bonus annuities, escalating rate products. Options include flex premium fixed annuities for SEP, TSA and pension plans. SPIA options with COLA increase options. Medically underwritten SPIA to provide higher income to clients with health concerns. Join our mailing list at the bottom of this page to receive weekly MYGA rate updates.
Indexed Annuities & Universal Life
Bonus options. No-cap EIA! One and two year reset provisions, many, many index options. Guaranteed income riders allow your client to draw income for life without annuitizing. Index UL products with variable loans starting in the first year, ideal for retirement plan alternatives. IUL is the hottest new product in the industry! Contact a Case Manager to learn more!
Universal Life
Guarantee to 120 UL from $25,000 up. Cash value accumulation or low premium options. Table shave programs still available on some products! Guaranteed to 120 survivor UL products. Login to our Agent Portal to request a quote.
Disability
Our carrier selection allows you to quote from 4A to blue collar DI. Many occupations 2A that are uninsurable elsewhere. Full menu of optional riders. Mortgage payment protection. Graded benefit DI to place clients with difficult health history. High Limit and specialized DI Products from Lloyd’s of London.
Simplified & Guarantee Issue
We have carefully selected a wide range of carriers to insure the best possible opportunity to place your business. Bring your case to us and we will select a carrier to match your client profile and have the case placed. Working with us will allow you to place policies on cases that are being declined through normal underwriting and through the traditional Simplified Issue plans.
Impaired Risk
Our case placement services track carriers based on how they underwrite certain conditions. Exclusive niches for Coronary Artery Disease, Sleep Apnea, Diabetes, Avocation issues. Let us shop your impaired risk case for the best possible results. Contact Greg for Impaired Risk case assistance!