Long Term Care Insurance

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 client's and planners.  Crossroads Financial Group became a member of America's Long Term Care Experts for just that reason.  We'll provide you the tools, training, product and presentations you need to close long term care sales.  Visit our LTCI sales resource website at www.ltcicentral.com to find excellent sales aids.

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!  Visit the Sales Tool Box for tons of marketing materials and ideas, or contact us to schedule a training workshop in your agency.

LTC-Hybrid Products

With the advent of the Pension Protection Act, selling Long Term Care just got a lot more interesting.  This is a perfect opportunity to go back to those who turned down traditional long term care coverage due to cost, fear they would never use it, or health issues.  Request a quote from our Long Term Care Specialist, Brian Roth, or call us for more information.

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. 

Travel Medical Insurance
Whether you need individual coverage for a vacation or group coverage for your employees in locations around the world, Crossroads Financial Group has a product to meet your needs. By utilizing CFG's Instant Quote / Buy Online , we can quickly direct you to the plan(s) that will best fit the situation.

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.  Featured Whole Life carrier, Mutual Trust Life, offers extremely competitive whole life with unique design flexibility.

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!  Click here for instant term quotes.

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. View our Weekly Interest Rate Updates to stay in the loop on what’s hot.

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 $50,000 up. Cash value accumulation or low premium options. Low face amounts starting at $25,000. Table shave programs still available on some products! Single premium asset transfer products with simplified, nonmedical underwriting provide the CD/Annuity alternative. Guaranteed to 120 survivor UL products.  Instantly quote guaranteed UL - Click here.

Worksite
Voluntary dividend-bearing whole life from $5,000 to $100,000. Simplified issue available on groups as small as 3. Contingent guarantee issue on groups over 25. True guarantee issue on groups over 50. Lump sum hospital indemnity plan great combo with HSA plans to finance the deductible. DI plans with no gender, tobacco use or age categories!

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.  Fill out our DI Quote Request Form

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.  Immediate FULL Death Benefit at Preferred Rates for:   

              * Cancer cases after 12 months following diagnosis or treatment

              * Heart cases after 24 months following diagnosis or treatment

              * Insulin Dependent Diabetes beginning after age 40 with no complications

              * Multiple Sclerosis, Lupus, Parkinsons, Epilepsy, Palsy, Muscular Dystrophy

              * Multiple Impairments OK as long as each qualifies individually

              * Prescription drugs to maintain wellness are OK. Routine doctor check ups are OK

 

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 over 15 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!