Term Life:
Our Term Life underwriters will provide you with a spreadsheet showing the best rates from all our carriers.
Available term levels include 5, 10, 15, 20, 25 and 30 years. We also offer term plans with Return of Premium,
Disability Riders and more.

Do you have hard-to-place clients? Brokerage Concepts has many companies that will offer cigar
smokers and occasional cigarette smokers a Non-smoker and Preferred Underwriting rate class.

Universal Life and 2nd to Die:
Through our Universal Life products, we can provide you with the best rates for Universal Life with over
30 carriers to choose from, including plans that guarantee death benefit, amount of premium and amount of
years payable. We have carriers who issue up to table 8, some with a Table Shave program, plus carriers
with high target plans for 1035 exchanges as well as 2nd to Die policies that provide coverage with one
person being uninsurable.

Annuities:
We offer Guaranteed Fixed and Immediate annuities and can provide you with illustrations showing rates,
options with interest rates, surrender charges and all other requirements to meet your clients' needs. Our
index portfolio includes plans with multiple investments choices, surrender options and payouts.

We also have Immediate Annuities for Substandard (for a better payout). Plus, we can even provide you
Indexed Annuities with different calculation options and up to 100% payout from most major carriers.

Our Portfolio consists of the most competitive carriers available. We compare ALL of them, then
offer you the best rates based on your request.