Brand new to the market as of April 15th is Guarantee Trust Life's Heritage Plan.  It's an almost guaranteed issue life product with just 5 questions.

Most of your guaranteed issue business will qualify for this.

Here are the highlights:

• 5 yes/no health questions on the application (questions displayed below).  Any "Yes" answer and the application is declined. There is NO additional underwriting, ie. No Height/Weight, MIB, Rx or MVR.
• Online application process with integrated telephone signature.  You take in their information online (client does NOT e-sign), then voice sign by calling into an automated recorded line.
• Social Security Billing for better persistency.
• Issue ages 40-90!
• 2 year graded death benefit. It's true graded in year 2.
• Better rates than all the guaranteed issue carriers out there.
• 75% commission with 10 years of renewals. 6 month advance up to $600 cap. Commissions paid weekly.
• Replacements are ok.

Why DigitalBGA for this contract?

• Conservation team included. Our conservation team will proactively reach out on your behalf to help with any billing issues, NSF's or pending lapses to protect your first year commissions and renewals.
• Open release policy.  Want to switch uplines? We won't hold you hostage. We'll sign off on any releases as long as you don't owe any money to any carriers you have with us.