Harbor Advantage is pleased to represent the following carriers:

·         Lincoln Financial MoneyGuard – Offers a combo Life/LTC product.  It is a universal life policy with LTC benefits and is underwritten for morbidity.  It offers simplified underwriting – phone interview, MIB & Pharmaceutical Look-up – NO PARAMED!

·         Monumental – Offers a traditional final expense policy that issues ages 0-85.  You can also offer the Legacy Safeguard* program with these policies at no cost to your clients.

·         National Guardian Life (NGL) – Offers a true Medicaid friendly funeral expense trust.  The face amount of these policies grows at a simple interest rate up to 3% with death benefits ranging from $500 to $50,000.  These policies issue standard or guaranteed issue through age 99.  All NGL policies come with the Legacy Safeguard* program at no cost to your clients.

·         National Western Life – Offers both fixed and indexed annuities – with some products offering up to 50% liquidity.  They also have a fixed product available through age 90. On the life side, they have a wealth transfer product that sits on a Universal Life framework with a unique feature being the Accelerated Benefits Rider; the policy can be used to pay for long-term care or it can be converted into an annuity & turned into an income stream.

·         North American Annuity – Offers a full line of fixed, indexed and multi-year guarantee annuities with a bonus product that pays 10% on all premiums submitted during the first 7 years of the contract.  This is a true bonus product with no vesting period on the bonus.  They also offer one of the most competitive income riders in the industry with guaranteed growth of either 6% or 8% compounding interest.

·         North American Life – Offers a full line of traditional Universal Life and Indexed Universal Life products, including an indexed survivorship life product.  All of their UL, IUL & SIUL’s come with the Chronic Illness Benefit Rider for clients 75 or younger and table 4 or better at issue.  This rider allows the client to accelerate the death benefit to cover costs of long-term care.  It has no fee unless utilized. 

·         Phoenix – Offers annuity products with income riders that can be started during the first contract year and bonus products that issue through age 85.  Phoenix ’s Income Today income rider offers clients a 45% income account value bonus for clients that start their income payout after 2 years and 1 month into the contract. Phoenix also offers a Medicaid friendly SPIA that pays commissions based on the length of the payment period.  Commissions range from 1.50% to 9.00% with 4 year and up payment periods for most states.  They have recently added a single premium life plan that is guaranteed issue and Medicaid friendly to help with Medicaid planning

·         Sagicor – Offers some of the most client friendly annuities on the market with growing liquidity up to 50%.  They also have a bonus product that issues through age 85 and the non-bonus product issues through age 90.

·         Western Catholic Union – Offers traditional fixed annuities that range from 1 year to 10 years with a minimum premium of $1,000.  They also have a whole life product line that is competitive at the smaller face amounts and offer a true guaranteed issue product that works great as final expense.   

 Please contact Harbor Advantage at 888-626-9887 for product availability in your state.

 Partnering with Harbor Advantage truly makes one feel as though they are part of the team.  The principals at Harbor Advantage have over 25 years of Senior Market experience.  We care about the success of the independent general agents who partner with us and this is evident in the services we provide.

 Want to speak with someone who has worked with Harbor Advantage?  Call us at 888-626-9887 and we will provide you with the contact information for several agents that have worked with us.

*Legacy Safeguard is an exclusive program offered through Monumental and NGL.  It is a program that provides many services associated with the planning of one’s final legacy.