FDLIC Product Offerings
Our products at FDLIC are designed with our clients in mind, and we have a wide variety of options to choose from. Whether our clients choose to take a more passive approach to preneed, or whether they have thriving and active preneed programs, we have the right product to suit their needs.
How Do I Know Which Product Is Right for Me?
Since our clients all have differing goals for their respective programs, we will first sit down with you and take the time to discover what your needs are before suggesting which products and which options are best for you.
Your Knowledgeable, Trusted Business Advisor
Using a Thoughtful DecisionsSM Business Questionnaire, our sales managers will help you identify your current situation and pinpoint your ideal situation. As knowledgeable, trusted business advisors, they will listen, consult, and discover both your immediate needs and your future goals. Only then will they be able to propose solutions for your consideration and suggest a possible plan of action. Availability of products and options is dependent on state law. Consult with your regional sales manager to determine availability of products and options in your state.
Product Types:
Includes:
- Graded Whole Life Plan
- Graded Whole Life Plan
- Child and Grandchild Protection
Preneed Contract Options:
- Guaranteed
- Non-Guaranteed
Where approved.
Active Series
Designed with the assertive preneed program in mind:
- Offers choice of single pay growth rates
- Firm desires generous face bumps on single and payment plans
- Has competitive premium rates
- Includes "day one" coverage for those who qualify
This product may be a good match for your firm if you:
- Have a lower average age
- Sell primarily payment plans
- Attain high monthly sales volume
Pinnacle Series
Designed for a moderately assertive preneed program:
- Choice of growth rates
- Higher growth rate options
- Commissions on older-age plans
- Includes "day one" coverage for those who qualify
This product may be a good match for your firm if you:
- Sell primarily single pay plans with some payment plans
- Attain moderate to high monthly sales volume
Paramount Series
Designed for a more passive preneed program:
- Simplified health questions
- Higher growth rate options available
- Commissions on older-age plans
This product may be a good match for your firm if you:
- Sell mostly single pay or dollar for dollar plans
- Choose to focus on "walk-in"-type business
Dollar for Dollar Plans
Available with all three product lines. This product is there for those consumers who do not want to pay, or cannot afford, the cost of insurance premiums.
Graded Whole Life Plan
Graded whole life plans offer level death benefit protection with extremely affordable premiums. Available in most states.
Child and Grandchild Supplement
Where approved, the Child and Grandchild Supplement provides coverage for the child, grandchild or great-grandchild of the contract holder in the unfortunate event that death should occur while they are unmarried and between the ages of one and eighteen.
Guaranteed/Non-Guaranteed
FDLIC believes that each client should use whatever price guarantee strategy that makes the most sense in their market. Where allowed by state law, FDLIC provides guaranteed and non-guaranteed contract options to our clients.
