Final Expense 

• The best option for clients with certain medical conditions like CHF, liver or kidney disease, that are typically Guaranteed Issue to Modified at best. Only carrier willing to offer immediate coverage with certain medical conditions, as long as certain criteria are met.
• Wet or Recorded Signature Only. No text or email available  
• When completing a recorded signature, you must use your own recording device that records both sides of the conversation.  
• Commissions are paid on a 50% (6-month) advance only for policies paid via ACH. All policies paid with other premium payment methods including direct bill, direct express, credit, and debit cards, will be PAE (Paid As Earned)
• Commissions are paid each Friday for business settled between the previous Wednesday - Tuesday. 
• Any missed premiums can be paid on agent portal

• • ☐  Permanent Whole Life Insurance Protection 
  • ☐  No Physical Exams Required 
  • ☐  Possible Day one Immediate Coverage 
  • ☐  If Guaranteed Issue, first recommendation would be write your client with AIG, then Gerber, then CICA as your 3rd option

Underwriting 

1. No Height/Weight requirement 
2. No tobacco usage question 
3. No MIB or RX 
4. Physician information is recommended but not required. 

• When completing the application, a beneficiary’s social security number must be entered but you may enter all 0’s to bypass that
• Once the application has been recorded, you must upload your recording HERE. Before uploading, make sure your file is titled with your clients first and last name and their policy number that is immediately assigned. For example: Rusty Westfall 2200012345

Superior Choice Guaranteed Issue

• Natural Death First 24 Months
• 110% Return of Premiums Paid
• 25th month + Full Death Benefit
• Accidental Death - Immediate Death Benefit

Dismemberment 

Included with the Accidental Death Benefit Rider. The benefit varies based on the type of dismemberment. Please refer to the Agent Guide for details.

 Accidental Death Benefit 

Rider is an additional $5 regardless of the death benefit amount and will pay double the death benefit amount if death occurs due to an accident related event. The maximum benefit payment equals $30K and this rider will TERMINATE at age 85. This includes a living benefit for dismemberment 

Terminal Illness Accelerated Death Benefit 

While this Policy is in force on a premium paying or fully paid-up basis, if the Insured has been diagnosed with a “Terminal Illness,” the Company will pay an accelerated benefit equal to the lesser of: 

One-half (50%) of the applicable death benefit on the base Policy, excluding riders, less any existing indebtedness against this Policy; or $15,000 

Accelerated Death Benefit - 

will be reduced by an administrative charge of not more than $100. The minimum amount of death benefit that will qualify for the terminal illness accelerated benefit is $5,000. The maximum amount of death benefit that will qualify for the terminal illness accelerated benefit is $30,000. 

CICA Tri-Fold Product Brochure.pdf
CICA Product Brochure.pdf
CICA Agent Guide.pdf
CICA FAQ.pdf
CICA Agent Portal & eApp Guide.pdf
CICA Agent Portal Guide 2.0 Payment.pdf
CICA State Approval List.pdf
CICA State Appointment (JIT) Guide.pdf
CICA Commission Guide - Agent Use Only.pdf
CICA Voice Recording Script & Guidelines.pdf
CICA SP Agent Guide.pdf
CICA SP FAQ.pdf
CICA SP Voice Recording Scipt & Guidelines.pdf