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  • Home
  • For Professionals
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Michael C. Staeb, CLTC, LACP, LUTCF
  • Home
  • For Professionals
    • AIP Agent Portal
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    • LTC for Washington State Residents
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Doing Business Guide

doing business guide home
contracting & training
pre-sale & illustrations
new business & underwriting
commissions & post-issue

​Title

Content

Recommending Quality Term

The following recommendations are based solely on Michael Staeb's opinions and experience working with these carriers. This is not an endorsement of any company or product. Not a guarantee of product availability, underwriting outcomes, pricing, or any other criteria, features, or benefits. Subject to change without notice.
Best Overall Term Carriers (alphabetical order):
  • Foresters
  • Nationwide
  • Protective (Custom Choice, not Classic Choice)
  • Prudential
  • Symetra
Honorable Mentions (without conversion considered):
  • Bestow
  • John Hancock (regular Term, not Vitality Term)
  • Lincoln
  • MassMutual
  • North American
  • Principal (business cases only)
Picture

Term in Less Than 10

Reasonably priced. Ridiculously fast.
And now you can offer it too!
Agent Materials
  • Agent Guide
  • DO's & DONT's
  • Client Eligibility
  • Automated Underwriting
Client Materials
  • Part of Your Financial Plan
  • Time for a Life Check-Up
  • 5 Reasons for Women
Call me at (855) 627-8232 to learn more or to initiate contracting with Bestow.

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term life quotes, forms, e-apps, annuity rates, calculators, underwriting guides, online contracting, and more
aip carrier chart
listing of all carriers and product lines available
support contacts
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accelerated underwriting guide
high-level overview of AU programs from our life carriers
hybrid LTC comparison chart
life/ltc combo solutions, a.k.a. asset-based long-term care
Michael C. Staeb, CLTC, LACP, LUTCF     ​21 Walter Martin Rd NE #2797     Fort Walton Beach, FL 32549     (855) 627-8232

Michael Staeb is licensed in AL, CA (0I38996), CT, FL, ID, IL, MA, MD, MO, NC, NM, NY, OH, OR, TX (2412011), VA, and WA.​
Copyright © 2019-2021 Michael C. Staeb. All rights reserved. Staeb and associated logo are trademarks of Michael C. Staeb.