U.S. Financial Life Insurance Announces Significant
Improvements to RightLife UL, addition of the Cash Value Accumulation Test (CVAT) designed to provide ease
of illustrating short-pay scenarios. The recent announcement of adding CVAT to RightLife UL has been met with great enthusiasm!
The RightLife UL is a flexible premium
adjustable life created to offer multiple death benefit guarantee periods
(age 75, 85, 95, 100 or 120).
The product utilizes the 2001 CSO Table.
The RightLife UL has a minimum face of $250,000 issued age nearest.
The RightLife UL features single-pay or short-pay capability.
Minimum Premium provides a twenty-year death benefit guarantee.
RightLife UL features a Rolling Target such that full first-year
commissions are paid on the premium paid during the first 24 months up to the
Commissionable Target Premium.
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RightLife issue ages are 16-75, but the sweet
spot for Clinical Underwrtiting® is ten years on either side of age 55 and with RightLife's NLG up to age 95.
These are the folks who have controlled hypertension, controlled cholesterol, controlled diabetes, and
controlled CAD. The impairment and the control are what make these clients ideal for Clinical Underwriting.
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RightLife UL offers a choice of Guideline
Premium Test (GPT) or Cash Value Accumulation Test (CVAT) allowing the client premium funding
flexibility and design flexibility.
RightLife pricing underscores
USFL's sustainable competitive advantage over the traditional underwriting companies'
approach to tobacco use. Clinical Underwriting® features a common sense approach
to occasional cigarette smokers, recognizing that a person smoking occasionally is at
far less risk than a person smoking heavily.
RightLife Frequently Asked Questions
RightLife Summary Sheet (pdf file)
