Phone
404-233-3544
Schedule an
Overview Call
agent@familylifeinsurancegroup.com
Final Option
Transamerica is your next move when Aflac isn't an underwriting fit. They’re more flexible on higher-risk health cases like congestive heart failure, kidney dialysis, and diabetic neuropathy, giving you another shot at getting the client approved for a level product at a higher price that reflects the higher risk.
Next Step
IF Health Evaluation = LEVEL
Cross-sell Carrier Stratgey
This page reinforces the FLIG cross-sell strategy and the exact sequence to follow on every call. It is not designed to create options, but to guide your next move based on what has already been established in the conversation. Each step assumes the previous step has been completed and moves you forward without hesitation. By following this structure, you eliminate overthinking and keep control of the process. The goal is simple—maintain momentum and move the client to the next appropriate solution.
Aetna Aetna is a nationally recognized brand in the health insurance space. The name carries immediate trust and credibility with clients, making it easier to introduce and position the coverage.
There are two separate policies available. Cancer and Heart attack or Stroke policies will pay 100% of the chosen benefit for a diagnosis of internal cancer or a heart attack or stroke.
Six-digit passcode signature by text (available in all states that simplifies the application process and reduces friction for seniors compared to traditional e-signature methods.
Identify idle or underperforming funds. Savings, CDs, or retirement accounts that are not actively being used.
IF Health Evaluation = LEVEL
Critical Illness for those with no CI history in the last 5 years
Annuities
Available for ages 18 - 89
As part of the health qualification for the final expense product you'll ask about any history of cancer, stroke or heart attack. You'll also ask about family history: “Mary, has anyone in your family ever had cancer, a stroke, or a heart attack?” If there is any history of any of these conditions, make note of it. These answers become your triggers for the Critical Illness conversation.
Critical Illness
Safe Money
As part of your post-close process, introduce the Safe Money conversation by identifying whether the client has funds that may be sitting in low-yield or exposed accounts. After completing the life policy, ask: “Mary, do you have any money in savings, CDs, or retirement accounts that you’re not actively using?” This question helps uncover opportunities where we may be able to provide better growth and protection. If funds are available, briefly introduce safe money options and position a follow-up conversation.
Use when the client has a clean health history. Requires 10 years with no diagnosis of covered conditions, so best for lower-risk profiles.
Mutual of Omaha is a well-known and trusted name in insurance, especially with older clients. That recognition creates immediate comfort and helps reduce hesitation during the conversation.
Critical Illness for those with no CI history in the last 10 years
Aetna only requires 5 years with no diagnosis of a covered condition, making it a better fit for prospects that experienced a CI event more than 5 years ago but less than 10.
Pricing is usually higher than Mutual of Omaha, but you’ll see more approvals thanks to a 5-year lookback and more flexible underwriting.
Available for ages 18 - 89
Cover cancer, heart attack, and stroke in one policy by starting with a cancer plan and adding a heart attack/stroke rider. More flexible than writing two separate policies. Use when the client wants combined coverage in a single policy.
Pricing is significantly lower than Aetna, making it the best value option for clients who meet the 10-year lookback and other underwriting requirements.
Principal protection with guaranteed growth options. No market risk while still earning more than traditional bank products.
Creates a second conversation, not a second close. Position for follow-up rather than explaining details on the life insurance call.
Coverage locked in for life at a young age. Issue ages 14 days to 17 years old, with premiums that never increase.
Builds cash value over time. Provides a living benefit the child can access later for things like college or major expenses.
Guaranteed future insurability. Child can purchase additional coverage later with no underwriting, even if health changes.
Use when the Aflac child term rider doesn’t fit or child SSN's are not available. This is a pivot to a standalone policy to secure permanent coverage.
No Social Security number required. Makes it easy to complete the application on the call with a grandparent or guardian.
Application signed by grandparent, parent or guardian. No need for the child to participate in the process. Multiple grandchildren on a single application.
IF Age < 18 and the Child Term Rider doesn't Fit
Children's Whole Life
During the conversation, you’ll ask targeted questions to identify the best cross-sell opportunity. As part of getting to know the prospect, always ask if they have grandchildren and their respective ages. If they are under 18, focus on the child term rider during the application, with the expectation of pivoting to an individual children’s whole life policy when Social Security numbers are not available.
IF Age < 18 and the Child Term Rider doesn't Fit
OR
