FSD Financial Services - Your Independent Fixed Annuities and Life Insurance IMO

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Examples of Life Products

Life Insurance

A+ Rated SPWL

A+ Rated Whole Life

A+ Rated Whole Life

Single Premium Whole Life (SPWL)

MINIMUM AMOUNT ISSUED

Non-Qualified Only

No Tobacco / Tobacco: $25,000

Preferred: $100,000

ISSUE AGES

• 0 – 85 for Standard underwriting classes

• 18 – 80 for Preferred underwriting classes

RATE CLASSES

• Super Preferred No Tobacco

• Preferred No Tobacco • Preferred Tobacco

• Standard No Tobacco • Standard Tobacco

Only a Standard class if age 0 –17.

POLICY MATURITY: Age 121


Brochure PDF 

A+ Rated Whole Life

A+ Rated Whole Life

A+ Rated Whole Life

Whole Life Insurance 

MINIMUM AMOUNT ISSUED 

Qualified and Non-Qualified No Tobacco/Tobacco: $25,000 

Preferred: $100,000 

ISSUE AGES  

• 0–85 for Standard underwriting classes* 

• 18–80 for Preferred underwriting classes * Qualified: age is 18+. 

RATE CLASSES

• Super Preferred No Tobacco  

• Preferred No Tobacco  • Preferred Tobacco  

• Standard No Tobacco • Standard Tobacco 

Only a Standard class if age 0–17. 

POLICY MATURITY: Age 121 

PREMIUMS: Payable to age 65 or 20 yrs, (longer of) 


Brochure PDF

A Rated SPWL (Fraternal)

Display real testimonials

Display real testimonials

C

Issue Ages

• 45–80, age last birthday

Premiums

• $5,000 minimum–$200,000 maximum

• Premiums over $200,000 require Home Office approval

• Single premium only

Risk classifications

• Female/Male

• Tobacco/Non-Tobacco

• Standard – risks up to Table 4

• Substandard – risks Table 5-8


Brochure PDF

Display real testimonials

Display real testimonials

Display real testimonials

 Issue ages:

55 through 80 by age at last birthday Minimum Death Benefit: 

$30,000 Maximum Death Benefit: 

Based on issue age, gender, tobacco class

Free-look Period: 

30-day penalty-free cancellation

Loans: May not exceed cash value of the policy 

Modified Endowment Contract (MEC): is issued as a MEC. Surrender of the policy or policy loans may be taxable  — consult a tax advisor 


Brochure PDF 

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Downloads

Fraternal-SPWL_Product_profile_RNA (pdf)Download
Liberty 2022_SPWL client brochure (pdf)Download
Liberty 2022_SPWL fact sheet (pdf)Download
Prosperity Select SPWL pre-qualifing questionnaire (pdf)Download
Prosperity Select SPWL product guide (pdf)Download
Sentinel 2022_client brochure (pdf)Download
Sentinel 2022_fact sheet (pdf)Download

FSD Financial & Insurance Services 

CaliforniA Insurance License #0B67385 - 

NON RESIDENT LICENSED IN AL, AZ, CO, CT, FL, HI, GA, ID, IL, IA, KS, LA, MD, MI, MO, NV, NJ, OH, OK, OR, PA, TN, TX, VA, WA, WI


Copyright © 2022 FSD Financial Services - All Rights Reserved.

Information enclosed is subject to change anytime - Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Disclaimers

Website by Jeff Affronti 

FOR AGENT USE ONLY - CA Insurance License #0B67385

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