THE RIGHT PRODUCT FOR TODAY’S NEEDS!

THE RIGHT PRODUCT FOR THE FUTURE!

CRITICAL ILLNESS INSURANCE

CBL Financial Strength

• CBL holds an A (Excellent) Rating by A.M. Best.

• PFC/CBL is a LIFE AND FINANCIAL SERVICE subsidiary of Health Care Service Corporation (HCSC).

• HCSC is a mutual legal reserve company that conducts business as Blue Cross Blue Shield of Illinois, Texas, Oklahoma and New Mexico.

CBS Insurance“We Work For You”

• Jim Jordan Sr. CLUJim Jordan Jr.J. R. Jordan

• P. O. Box 50145Phoenix, AZ 85076 1-888-455-7462

www.cbsinsurance.net

LifeStyle Protector• 10 Year Renewable

& Convertible Term Life Insurance Policy

• Critical Condition Rider 100% Pay Out for Life Threatening Cancer, Heart Attack, Stroke, Renal Failure, Major Organ Transplant or Terminal Illness

A $100,000 LIFESTYLE PROTECTOR POLICY

$100,000 Check paid out for……. Heart Attack Life Threatening Cancer Stroke Major Organ Transplant Terminal Illness Renal Failure Death from any cause(Except suicide during the first two years, Missouri 3 years, North Dakota & Colorado 1 year.)

The Policy terminates after a full benefit is paid out.

The benefits differ and may not be available in GA, PA, SC, MD, OR, DC, & FL.

A $100,000 LIFESTYLE PROTECTOR POLICY$100,000 Check paid out for…….

• Total Disability• We will pay an annual Benefit for Total Disability. The Annual Benefit if 10% of thecurrent Death Benefit of the Policy as of the date the first payment is made for this benefit.We will pay the Annual Benefit for five years, followed a year later by a final payment equalto the remaining Death Benefit of the Policy at that time. All payments after the first paymentare payable on the anniversaries of the Eligibility Date. Payments will only be made if theInsured continues to qualify under the Total Disability Coverage Condition. To be eligible forthis benefit the insured must be deemed continuously disabled for 12 months from performingthe material and substantial duties of his regular occupation. After the first 12 months of adisability, the Insured is considered totally disabled if he is unable to perform any work oroccupation for which he is reasonably qualified or trained.

$25,000 Check paid out for…….• Major Heart Surgery

$10,000 Check paid out for…….• Angioplasty Some Exclusions and Exceptions apply, Benefits may differ or not be available in some states, your Agent will explain the benefits available in your state.

Partial Benefits paid out are deducted from the policy face amount. The Policy may continue in force at the adjusted Face Amount and reduced insurance premium.

LifeStyle Protector

Home Health Care

Cost of Care Givers

Lost Income Self/Spouse

Daily Living Expenses

Co-Pays & Deductibles

Experimental Treatments

Housekeeping or Child Care Expenses

Maintenance of Your Family’s

Quality of Life

LifeStyle Protector Market Niches

• Membership Add on • Mortgage Protection• Buy Sell• Health Insurance• Singles• Payroll

LifeStyle Protector Market Niches

• Existing Clients• Disability

Supplement• Family

Protection• Housewives• Self-Employed• College Funding

BANKRUPTCIES DUE TO CRITICAL ILLNESS1

50.35% of personal bankruptcies were caused by illness or medical debts

2 million Americans are estimated to have medical caused bankruptcies each year

68% of debtors that had medical bankruptcies also had health insurance at the time of filing

$13,460 was the average out-of-pocket medical expenses covering co-pays, deductibles and uncovered health services for bankruptcy filers

LifeStyle Protector/CBL Highlights

• Over 90% Issue Rate• 1 Page Simplified Issue Application• 9 Month Advance, Advances Paid Daily• Issue Time of 1-3 Business Days • Continuous Credit Card Payments w/

Online Apps • LifeStyle Protector is guaranteed

renewable to age 70 with renewal rates guaranteed at issue.

LIFESTYLE PROTECTORWaiting Period & Death Benefit

Coverage

Immediate Death Benefit Coverage*

Other eligible conditions must be first diagnosed at least 30 Days (60 days for Cancer) after the policy effective date shown on the policy specification page

* If CBL approves the application and the first premium is paid, or the payroll deduction is authorized, term life insurance coverage (death benefits only) will begin as of the date the application is signed. * Waiting periods may vary by state.

How To Get Started Online

• Complete your Licensing Packet

• Sign up for your website at:www.ghealth.virtualinsurance.net/

signup

LSP Online - Sign Up Screen

LSP Online Quote Results

Fillable Application Form

Electronic Mouse Signature

1. Harvard University Study, David U. Himmelstein, M.D., Elizabeth Warren, J.D., Deborah Thorne, Ph.D., Steffie Woolhandler, M.D., M.P.H.

SOURCE

LifeStyle Protector

…Because A Check is Better

Than A Get Well Card