(888) 525-4467 Opt 1 New Business
(800) 604-8002 Opt 2 Policyholder Services
(214) 245-5292 Commissions
Mon-Fri / 8:00 a.m.-5:00 p.m. CT
Offers true social security billing
Telephonic paperless application, text or wet signatures
The commission is paid 5 days after initial payment is confirmed. Commissions processed daily
Instant decision
ACH / Direct Express (Standard and Modified offered premium for ages 40–80)
Just In Time (Automatic) state appointments except NV & PA
New underwriting Pre-Check Mobile app – obtain an UW decision
In addition to Final Expense, LBL also offers Childrens Whole Life Insurance (First Steps) and a Single Premium Whole Life Policy
Permanent Whole Life Insurance Protection
No Physical Exams are required.
Possible Day one Immediate Coverage
Cash and Loan value
Preferred and Standard – Immediate Death Benefit
| Age | Min Death Benefit | Max Death Benefit |
|---|---|---|
| 18 -80 | $3,000 | $40,000 |
Year 4: 100% of Death Benefit
Year 5 / 105% of Death Benefit
Year 6+ / 110% of Death Benefit
Accidental Death – Immediate Death Benefit
Age: 40-80
Min. $1,000, Max. $20,000
(Available Preferred and Standard Only)
It helps offset the expense of terminal illness or chronic illness, up to 80% of the face amount.
Provides an additional death benefit if your death is a result from an accident. In addition, a benefit is provided if you lose the use of arms, legs, or eyes because of an accident. This optional rider features some of the lowest rates in the industry as follows:
| Age | Annual Rate Per $1.000 Face Amount | Monthly Bank Draft Rate Per $1.000 Face Amount | Additional Monthly Cost for $10.000 Face Amount |
|---|---|---|---|
18 -59 60-69 70-80 | 1.00 2.00 4.00 | .093 .185 .370 | .93 1.85 3.70 |
One Unit equals $5,000 term coverage to Age 25 per child, maximum 4 units. Grandchild Benefit Rider (GB): (Available for an additional premium on SIMPL Preferred and Standard only). $7,500 term to Age 25
LBL Product Brochure.pdf
LBL Opportunity Brochure – Agent Use.pdf
LBL Paper Application Copy.pdf
LBL Height Weight Build Chart.pdf
LBL Single Premium Product Brochure.pdf
LBL Single Premium Agent Guide.pdf
LBL First Steps Children Insurance Product Brochure.pdf
LBL First Steps Rate Book.pdf
Address: 23 Public Square, Suite 260 Belleville, IL 62221
Call Us: 1.800.789.6556 
Email: info@finalwishesadvisors.com
