Single Pay Life – Idle Money – Wealth Transfer

Many different names, same concept

Questions? Please contact your OCI Financial Solutions team at 402.330.8700 • lifesales@ociservices.com

Conversations with your clients is as easy as asking these questions:

Do you have CD money? Are you content with the rate of return you are getting on that CD?
Do you have money ear marked for kids, grandkids, church, LTC expenses, etc?
Do you have cash or liquid assets you are planning to transfer somewhere at death?

1 of 3 things will happen using this concept:

Client dies: Increased tax-free benefit
Client lives too long: Increased “pool” of money client can access for LTC expenses
Client quits: 100% return of premium from day 1

Single Pay Life Resources

Get a SPL Quote

Sagicor Wealth Care

How you can meet multiple client needs with wealth transfer.

Wealthcare Knockout Questions

Verify the proposed insured is eligible for accelewriting by asking them these questions.

Agent & Client Information
Agent Name:*
Agent Email:*
Agent Phone:*
Agent State:*
Please choose the OCI Sales Executive helping you with this case:*
Client Name:*
Client Date of Birth*
MM slash DD slash YYYY
Client Gender:*
- Male
- Female
Client State:*
State / Province / Region
Tobacco User?*
- Yes
- No
Amount of Deposit:*
Client Health Questions
If you answer YES to any question the client will not qualify.
Does the proposed insured currently receive health care at home or require assistance with bathing, dressing, feeding, taking medications or use of toilet?
- Yes
- No
Is the proposed insured currently in a hospital, psychiatric, extended or assisted care or nursing home?
- Yes
- No
Is the proposed insured currently incarcerated due to a misdemeanor or felony conviction?
- Yes
- No
Has the proposed insured ever tested positive for the HIV virus or been diagnosed by a member of the medical profession as having AIDS or the AIDS related complex (ARC)?
- Yes
- No
Has the proposed insured ever tested positive for or been diagnosed by a member of the medical profession as having Alzheimer’s or dementia, cirrhosis, emphysema or chronic obstructive pulmonary disease (COPD)?
- Yes
- No
In the past 10 years has the proposed insured had 2 or more of the following impairments: cancer, diabetes, coronary artery disease, heart valve replacement, peripheral vascular disease (PVD), peripheral artery disease (PAD) or had multiple strokes or transient ischemic attacks (TIA)?
- Yes
- No
Has the proposed insured in the past 12 months been advised by a physician to be hospitalized or to have diagnostic tests, surgery or any medical procedure that has not yet been completed or for which the results are not yet available, except those test related to the human immunodeficiency virus (AIDS)?
- Yes
- No
Has the proposed insured in the past 24 months been diagnosed as having or advised by a physician to have treatment for cancer (other than basal cell carcinoma), heart attack, stroke or TIA, Alcohol or drug abuse?
- Yes
- No
Has the proposed insured in the past 24th months had a driver license revoked or suspended, or been convicted of 2 or more moving violations or been convicted of a violation for diving while intoxicated or under the influence, or for diving while ability impaired because of the use of alcohol and/or drugs?
- Yes
- No
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