Final Expense Whole Life

SBLI FEX Living Legacy Product Brochure.pdf
SBLI Final Expense Product Agent Guide.pdf
SBLI Final Expense Paper Application COPY.pdf
SBLI FEX FAQ.pdf

• Permanent Whole Life Insurance Protection 
• No Physical Exams Required 
• Possible Day one Immediate Coverage 
• Builds Cash and Loan Value 
• $48 Annual Policy Fee
• Legacy Shield – a will, digitally store documents, photos, final wishes 

NO ACCIDENTAL AVAILABLE (which is weird)

The policy issue date will be the date of the first payment. The available dates: 
1st of month 
3rd of month 
2nd Wednesday 
3rd Wednesday 
4th Wednesday 

Level Benefit Plan (Preferred or Standard) 

• Full Death Benefit from Day 1
• For ages 18-50 
• Minimum $2,500 / Maximum $35,000 

Modified Benefit Plan 

Minimum $2,500 / Maximum $20,000

Natural Death

• 1st Year: 105% Return of Premiums paid 
• 2nd Year: 110% Return of  Premiums paid
• 3rd Year + Full Death Benefit

Accidental Death: Full Death Benefit from Day 1

SBLI Quility Term

Quility Level Term Training Video
SBLI QLT Consumer Brochure.pdf
SBLI QLT Term At A Glance Brochure.pdf
SBLI QLT Agent Guide.pdf
SBLI QLT FAQ.pdf

About Quility Level Term

With instant approval and a quick online application, Quility Level Term makes getting life insurance fast and easy. Convenient payment options are available, too, because flexibility is key with Quility Level Term.

Benefits of Quility Level Term life insurance

• $100,000 to $1MM in coverage
• 10, 15, 20, or 30-year terms
• Customized coverage with policy add-ons
• Affordable! Policies start at $18/month

Customize your Quility Level Term policy with riders:

• Child Rider coverage
• Accidental Death Benefit
• Charitable Giving Rider
• Accelerated Death Benefit
• Unemployment Waiver of Premium

Support

For help please contact one of the following resources:

1. For technical support with your e-App, and for access to Quility Level Term product guides, underwriting information, marketing materials, support ticket requests/live chat, and more, go to the QLT/Afficiency resource center.
2. For contracting help or other questions, submit a support ticket via HQ.
3. To be appointed for Quility Level Term sales in additional states, please see the information below.

Pre-Appointments / Licensing / Additional States Explained:

• Initial appointments may include up to eight states, including your resident state.
• Following successful appointment, you will receive a series of emails. The first two will be from SBLI giving you access to www.sbliagent.com, the agent portal where you can track commissions and review policy packets for those clients who were approved for and recently purchased a policy through you. You will receive another email with your QLT e-App link after you’ve been appointed.

Once your SBLI agent number has been added to HQ, Quility Level Term will become available within Navigator, your best-fit product selector and quoter offering access to proprietary, instant-issue products including Quility Level Term from SBLI and others. Be sure to complete your Navigator certification via QuilityU.

To request appointment for additional states:

Email: quilityagentservices@sbli.com

NOTE: Only request appointments for states where you plan to write business immediately and in which you are duly life licensed.

• If you need to confirm in which states you have been appointed, run a test quote in those states using your e-App link.
• In hierarchy situations, you must be pre-appointed with SBLI in FL and VA to receive override commissions. (Yes, these two states would count toward your total of eight for an initial appointment.)
• You must be licensed in, but not necessarily appointed in the following states to receive override commissions: CA, FL, GA, KS, KY, LA, MA, MT, NM, PA, SC, TX, VA, WI.
• If you are operating as a business entity, you must be licensed in, but not necessarily appointed in the following states to receive override commissions: CA, GA, KS, KY, LA, MA, MT, NM, PA, SC, TX, UT, VA.

Carrier Notes:

• E&O insurance is required to sell with SBLI.
• State availability: all except NY and MT.
• Quility agents are only able to sell the Quility Level Term product. The SBLI shelf products you may read about in their agent portal are not available to market. If you have an existing SBLI appointment for their shelf products through another BGA, you can still be appointed for Quility Level Term sales under Quility; it is a separate appointment.