Life Products
| Carrier Name | Sub Standard | Universal Life | Term Life | Limited Underwriting | Smoker Friendly | | Chesapeake Life Insurance | -- | YES | YES | YES | -- | |
| Non-medical underwriting on Term and UL up to $150,000 at age 45, Fax Application Process, 5 day in-force Guarantee, Weekly Commission, Online Tracking | | Continental General | -- | YES | -- | YES | -- | |
| 50+ whole life product that is Non Cancelable for Seniors. Simplified Underwriting with no medical exams. Answer no to 4 questions on a brief application and your client is eligible. Premiums are guaranteed never to increase. Perfect for a basic burial benefit! In a hurry? Submit your application online with QQLink's Senior Life Product. Call for details or visit QQLink from this site. | | Illinois Mutual | --Yes | Yes | Yes | Yes | Yes | |
| Great Blue collar and lower minimum face plans | | Peoples Benefit Life | -- | YES | YES | YES | -- | |
| Looking for a product that does not require medical examinations? The LifePro Term allows No Medical Exam on issue ages of 15 - 60 with death benefits under $100,000. | | US Financial Life | YES | YES | YES | -- | YES | |
| Non-smoker rates those who smoke less than a pack per day. Substandard life companies are critical part of a well rounded life insurance portfolio. U.S.F.L. offers competitive rates to smokers and those conditions which warrant maintenance drugs. U.S.F.L.'s Clinical Underwriting approach allows agents to provide their substandard clients with competitive rates. | | West Coast Life | -- | -- | -- | -- | -- | |
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