A DI Product with Money Back Options
Did you know: There is a super competitive exclusive Return of Premium (ROP) and cash value (CV) disability income product now available in California?
Thus giving your clients a chance to receive either a refund of their premiums paid or cash value that can be up to 100% of their premium.
This industry leading product offers key flexible features and options such as:
Provide your clients the coverage when needed or the chance for cash back.
- Two Return of Premium (ROP) options
- Separate Cash Value (CV) option up to 100% of premium
- Opt-in and opt out choices
- True Regular or Own Occ., plus extended occ available
- Both residual and extended residual
- Automatic increase and future increase options
- Simplified underwriting available
- Stackable discounts for
- Business owners (15%)
- Multi-life (10%)
- Association (15%)
- Two person household (10%)
- Discounts totaling up to 30% possible
- E-Application and E-Delivery process
- Rehabilitation and Survivor benefit
Plus your clients can earn an attractive internal rate of return on excess premiums paid; 11.31% on a recent actual agent client quote.
To learn more about these powerful client planning options totally unique and valuable client option, contact David or Cathy at Cenco now.