A Game-Changer in Estate Liquidity: Life Insurance That Pays Out in 2 Days—No Death Certificate Required
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In the world of life insurance, speed matters. Families facing the loss of a loved one are often met with grief, confusion—and financial strain. Traditional life insurance policies, while essential, can take weeks to pay out, largely due to the delay in obtaining an official death certificate. But what if you could offer your clients a solution that bypasses that bottleneck entirely?
We’re excited to introduce a revolutionary life insurance strategy now available exclusively through our brokerage firm. This new policy pays out within two business days of death, even without a death certificate. That’s right—no waiting, no red tape, just immediate financial relief when families need it most.
Fast, Simple, and Guaranteed
This policy is guaranteed issue—meaning no health underwriting and no medical exams. Every applicant qualifies, up to age 89. The death benefit is equal to the premium deposit, up to $50,000 per person, and can be funded in a lump sum or spread over 5, 7, or 10 years (not all states allow 7 & 10 years).
Think of it as a probate-free savings account that transfers directly to the beneficiary—fast, private, and secure. It’s ideal for covering funeral expenses, travel costs, or simply giving loved ones breathing room during a difficult time.
Why You Should Be Talking About This
This isn’t just a product—it’s a conversation starter. Here’s how it helps you grow your practice:
- New Strategy for Existing Clients: Re-engage your book of business with a fresh, relevant solution.
- Unique Offering: Stand out from competitors who don’t have access to this policy.
- Strong Compensation: Earn a 10% commission on premium deposits for clients up to age 75.
- Gateway to Deeper Planning: Use this policy to open discussions around long-term care, lifetime income, beneficiary planning, and living trusts.
This strategy is especially powerful for clients who are concerned about probate delays, estate liquidity, or simply want to ensure their loved ones aren’t left scrambling for funds. It’s also a perfect fit for retirees who want to earmark assets for final expenses without locking them into traditional insurance structures.
Built for Advisors, Backed by Experts
Our mission is to empower advisors with high-touch, high-tech solutions that drive results. This new policy reflects that commitment—giving you a tool that’s not only innovative but also deeply practical.
We’ve already seen strong interest from advisors who are using this strategy to differentiate themselves, increase referrals, and build trust with clients during estate planning conversations.
If you ever question whether something is okay to do, or not—give us a call.
Contact our team today to get appointed, access training materials, and start offering this breakthrough solution to your clients. : 800-200-9194.
info@twhagency.com
~ Greg Skogsberg
Click here for a short video about this month's issue
We now have annuity contracts with FORTY-ONE carriers. More than any other FMO! And this is just one of the reasons we are The #1 Concierge FMO in America!
Gregory B. Skogsberg
Greg is the President of TWH Agency with 20+ years of professional experience. Greg is a seasoned management consultant who has worked for organizations of all sizes in locations all across the country.
