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Pre-approved CI

Find out what it means for your clients, and what you need to do to participate.

In fact, to participate in Standard Life's zero-to-50 pre-approved CI offer, you don't need to do anything at all.

Every time you submit a life insurance application for clients between zero and 50 years of age, Standard Life will also underwrite that client for Protecta Critical Illness Insurance as well.

There's no extra application to fill out, no additional information required, and absolutely no effort from you or your client. When we let you know about your client's life insurance application, we'll also let you know if your client has been pre-approved for up to $100,000 of critical illness insurance coverage.

It's easy and it's an opportunity to introduce your clients to CI.
You get:

• Extra coverage to offer your clients
• A simple way to enter the CI market (if you haven't already done so)
• More commission potential

The fine print

• Any time we receive an application for life insurance, for clients age zero-to-50, Standard Life will also underwrite that client for up to $100,000 of critical illness insurance coverage. (Note that clients will not necessarily be rated the same for their life and CI coverage.)
• Clients between 30 days and 17 years old can qualify for Protecta Child (covers 13 illnesses).
• Clients over 18 can qualify for Protecta 65 Enhanced (covers 24 illnesses).
• By default, the coverage is issued as a rider. It can also be issued as a stand-alone upon request. If issued as a rider, no policy fee is charged.
• No ROPS nor ROPD will be presented with the offer.
• There will be no delays in the amount of time required to underwrite or issue the life insurance policy.
• Standard Life reserves the right to end this offer without advance notice.
• If your client accepts this offer, we will ask them to complete an acceptance form.

For everything you need to know about critical illness insurance from
Standard Life ...

If you are interested in increasing your CI business, please visit the CI Sales Tools section of Advisor Source. In addition to sales support material aimed at individuals, couples, or business people, we offer a variety of calculators and prospecting letters to help you with your marketing efforts.