Solution
Series
Agent Use Only: Not for public distribution
Solution Series Features
Ordinary Whole Life Insurance
Two Plans Available:
Golden Solution
Family Solution
Agent Use Only: Not for public distribution
Golden
Solution Plan
Agent Use Only: Not for public distribution
Golden Solution Features
 Issue Ages 50-85
 3 Versions Depending on How Health Questions Are Answered
1. Immediate Death Benefit – pays 100% of face amount immediately
upon death
 Maximum Coverage $35,000 (Issue Ages 50 – 75)
 Maximum Coverage $20,000 (Issue Ages 76 – 85)
2. Graded Death Benefit – pays 30% of Death Benefit if Death Occurs in
1st year, 70% in the 2nd year, 100% in the 3rd year and after. Pays 100%
for accidental death.
 Maximum Coverage $15,000 (All Ages)
3. Return of Premium Death Benefit:
• If Issue Age is Less Than 65, Pays Return of Premiums paid plus 10%
Annual Interest if Death Occurs within the First 3 years (Thereafter 100%
of Face Amount)*
• If Issue Age is 65 or Greater, Pays Return of Premiums paid plus 10%
Annual Interest if Death Occurs within the First 2 years (Thereafter 100%
of Face Amount)*
 Maximum Coverage $15,000 (All Ages)
• Pays 100% of Face Amount if Accidental Death
Golden Solution
Determining Eligibility
If the answer is “Yes” to any question above (1-3), then the
applicant is not eligible for coverage.
Agent Use Only: Not for public distribution
Golden Solution
Determining Eligibility
If the answer is “Yes” to any question above (4-7), then the
applicant is eligible for the ROP Death Benefit only.
Agent Use Only: Not for public distribution
Golden Solution
Determining Eligibility
If the answer is “Yes” to the question above (8), then the
applicant is eligible for the Graded Death Benefit.
Agent Use Only: Not for public distribution
Golden Solution
Determining Eligibility
If all the health questions on the application
(1-8) are answered “No”, then the applicant
should apply for the Immediate Death
Benefit.
Agent Use Only: Not for public distribution
Golden Solution Riders
Customize the plan to fit your clients needs
 Grandchild Rider (also covers Great Grandchildren)
 Provides $5,000 on each grandchild through age 20.
 No limit to the # of Grandchildren that can be covered.
 Convertible to an individual policy for up to $25,000
(Guarantee Insurability).
 $12.00 per grandchild per year.
 Issue Ages (Grandchildren) - 180 Days to 15 years
 Issue Ages (Primary Insured) – 50 to 80
 In the event of the Death of the Primary Insured, the coverage
under this rider will be “Paid Up”.*
* This Feature of this Rider is Available only on Immediate and Graded DB Plans (Rider Form #
9579); Not on the ROP DB Plan (Rider Form # 9581)
Agent Use Only: Not for public distribution
Golden Solution Riders
 Children’s Insurance Agreement*
 Provides $3,000 per unit (max of 2 units) on children until
age 25 or Primary Insured is age 65.
 Convertible at a rate of up to 5 times the CIA coverage.
 $8.50 per unit per year.
 Available on children from 15 days to 18 years old, and up
to Age 60 on Primary Insured
 Additional, separate App (#9362) Must be Completed on
Children
 Accidental Death Benefit Rider* – provides an
additional amount of benefit if death is the result of
an accident.
 Issue Ages 50 to 80
 Min Amt $2,500 / Max Amt is Face Amount of Policy
* Not available with Return of Premium Plan
Agent Use Only: Not for public distribution
No Cost Riders
 Terminal Illness Accelerated Benefit Rider:
 Can receive up to 100% of the death benefit when
insured has a life expectancy of 12 months or less.
 Requires disclosure form (9474). A Copy of Form is
left with Applicant; No Signature Requirements.
 Accelerated Benefits Rider - Confined Care*:
• Full Time, Permanent Residence in Nursing Home
• Fixed Monthly Pmt of 5.0% of face amount
• Requires disclosure form (9761). Must be signed by
applicant and submitted along with the application
* Available on the Immediate Death Benefit Plan ONLY.
Agent Use Only: Not for public distribution
Golden Solution Riders
Checklist
Rider Name:
Immediate
Graded
ROP
Grandchild
Y
Y
Y
Child Rider
Y
Y
NA
ADB
Y
Y
NA
Term Illness*
Y
Y
Y
Confined Care*
Y
NA
NA
* No Additional Charge
Agent Use Only: Not for public distribution
Sales Material
Brochure / Application Combo Form (9504)*
Agent Guide Form (9507)
“Eight Reason” Brochure Form (9612)
Terminal Illness Accelerated Benefit Rider
Disclosure Form (9474)
Accelerated Benefits Rider – Confined Care
Disclosure Form (9761)
Money Purchase Sheets Form #9521-IDB
* For Base App Only. State Specific Versions will use Separate
Brochure (#9505) and Application (9466).
Supplies may be ordered by calling the company or online at the company website
Agent Use Only: Not for public distribution
Customer Benefits
Simplified Issue/Simplified Underwriting
Telephone Verification Interview required on all
applications (Preferably to be completed Point-of-Sale).
Interviews can be completed in multiple languages.
No medical exams or blood work required
Affordable rates that will not increase
Benefits passed to beneficiaries federal
income tax free
Agent Use Only: Not for public distribution
Telephone Interviews
Telephone Interviews (2 Ways to Complete):
1. Point of Sale
 Completed at Time of Application from Client’s Home
 All Interviews are Recorded
 Call Vendor using Toll Free Number
 Identify Yourself, Company, Product Being Applied for
(Golden Solution)
 Applicant Completes the Rest of the Interview on their own
 Indicate on Application that Interview has been completed
 Results of Interview Transmitted to Home Office electronically
Agent Use Only: Not for public distribution
Telephone Interviews (Con’t)
Telephone Interviews (2 Ways to Complete):
2. After Point of Sale
Indicate on Application that Interview has NOT been
completed, and provide Applicant’s Phone #, and a “Best
Time to Call”
Vendor will contact Applicant to complete Interview or
schedule a time to complete
Results of Interview Transmitted to Home Office
electronically
Agent Use Only: Not for public distribution
App Completion/Submission
 Good Field Underwriting is essential to avoid
unnecessary Underwriting delays
 Always Fully Complete All Required Sections and
Questions
 Provide Complete Details to “Yes” answers on health
questions.
 List any Medications currently taken and their associated
conditions
 If additional space is needed for details regarding health
questions or medications, please provide on a separate
sheet of paper and submit with app
 Telephone Interview Completed at Point of Sale – always
answer “Yes” or “No”
Agent Use Only: Not for public distribution
Golden Solution – Underwriting
Medical Information Bureau (MIB)
Member Companies report conditions to
MIB database during the underwriting
process
 Our Company accesses the MIB
database on all Golden Solution
applications
 MIB replies can trigger additional
underwriting requirements (i.e. APS’s,
Exams, etc.)

Agent Use Only: Not for public distribution
Golden Solution – Underwriting
Pharmaceutical Database Check
 Check
of National Pharmacy
Databases
 Databases are checked on every
Golden Solution Application
 Provides information on medications /
prescriptions taken by the Applicant
 May trigger additional underwriting
requirements (i.e. APS’s, Exams, etc.)
Agent Use Only: Not for public distribution
Family
Solution Plan
Agent Use Only: Not for public distribution
Family Solution Features
2 Versions Depending on How Health Questions
Are Answered
1. Immediate Death Benefit – pays 100% of face
amount immediately upon death
 Maximum Coverage $35,000 (Issue Ages 0-49)
2. Return of Premium Death Benefit:
• Pays Return of Premiums paid plus 10% Annual Interest
if Death Occurs within the First 3 years (Thereafter
100% of Face Amount)
 Maximum Coverage $20,000 (Issue Ages 18-49)
• Pays 100% of Face Amount if Accidental Death
Agent Use Only: Not for public distribution
Family Solution
Determining Eligibility
If the answer is “Yes” to any question above (1-6), then the
applicant is not eligible for coverage.
Agent Use Only: Not for public distribution
Family Solution
Determining Eligibility
If the answer is “Yes” to any question above (7-9), then the
applicant is eligible for the ROP Death Benefit only.
Agent Use Only: Not for public distribution
Family Solution
Determining Eligibility
If all the health questions on the application
(1-9) are answered “No”, then the applicant
should apply for the Immediate Death
Benefit.
Agent Use Only: Not for public distribution
Family Solution Riders
Customize the plan to fit your clients needs
 Accidental Death Benefit Rider* – provides an
additional amount of benefit if death is the result of
an accident.
 Issue Ages 0 to 49
 Min Amt $2,500 / Max Amt is Face Amount of Policy
 Children’s Insurance Agreement*
 Provides $3,000 per unit (max of 3 units) on
children until age 25 or Primary Insured is age 65.
 Convertible at a rate of up to 5 times the CIA
coverage.
 $8.50 per unit per year.
 Available from 15 days to 18 years old.
* Not available with Return of Premium Plan
Family Solution Riders
 Spouse Term Rider
 Provides 20 year level term coverage on the spouse.
 Minimum - $5,000, Maximum - $35,000 not to exceed base
face amount.
 Issue Ages 15 to 49.
 Only Rider Available on ROP Plan.
 Waiver of Premium Benefit*
 Waives the payment of each premium in the event of total
and permanent disability of the insured.
 Total Disability has Existed for 6 Consecutive Months
 Issue Ages 0-49
* Not Available with Return of Premium Plan
Agent Use Only: Not for public distribution
No Cost Riders
 Terminal Illness Accelerated Benefit Rider:
 Can receive up to 100% of the death benefit when
insured has a life expectancy of 12 months or less.
 Requires disclosure form (9474). A Copy of Form is
left with Applicant; No Signature Requirements.
 Accelerated Benefits Rider - Confined Care*:
• Full Time, Permanent Residence in Nursing Home
• Fixed Monthly Pmt of 5.0% of face amount
• Requires disclosure form (9761). Must be signed by
applicant and submitted along with the application
* Available on the Immediate Death Benefit Plan ONLY.
Agent Use Only: Not for public distribution
Family Solution Riders
Checklist
Rider Name:
Immediate
ROP
Spouse Term
Y
Y
WP
Y
NA
ADB
Y
NA
Child Rider
Y
NA
Term Illness*
Y
Y
Confined Care*
Y
NA
* No Additional Charge
Agent Use Only: Not for public distribution
Sales Material
Brochure / Application Combo Form (9656)*
Agent Guide Form (9647)
Terminal Illness Accelerated Benefit Rider
Disclosure Form (9474)
Accelerated Benefits Rider – Confined Care
Disclosure Form (9761)
Money Purchase Sheets Form (9597)
* For Base App Only. State Specific Versions will use
Separate Brochure (9638) and Application (9617).
Supplies may be ordered by calling the company or online at the company website
Agent Use Only: Not for public distribution
Customer Benefits
Simple Issue and Simplified Underwriting
Telephone Verification Interview NOT required*
No medical exams or blood work required
Affordable rates that will not increase
Benefits passed to beneficiaries federal income
tax free
* May be requested at Underwriter’s discretion; ordered only by
Home Office – Point of Sale NOT allowed (Example: Adult
applicant with another individual listed as Owner / Payor)
Agent Use Only: Not for public distribution
App Completion/Submission
 Good Field Underwriting is essential to avoid
unnecessary Underwriting delays
 Always Fully Complete All Required Sections and
Questions
 Provide Complete Details to “Yes” answers on health
questions.
 List any Medications currently taken and their associated
conditions
 If additional space is needed for details regarding health
questions or medications, please provide on a separate
sheet of paper and submit with app
Agent Use Only: Not for public distribution
Family Solution – Underwriting
Medical Information Bureau (MIB)
Member Companies report conditions to
MIB database during the underwriting
process
 Our Company accesses the MIB
database on all Family Solution
applications
 MIB replies can trigger additional
underwriting requirements (i.e. APS’s,
Exams, etc.)

Agent Use Only: Not for public distribution
Confine Care Benefit

We now have a “no cost” confined care
benefit provided on all final expense
policies. This benefit provides a fixed
monthly payment equal to 5% of the policy
face amount if your client is confined to a
Nursing Home.
SMOKERS

Last but certainly not least!!! Did you know
that we do not consider the “occasional
cigar and pipe smoker” as a tobacco risk?
That’s right!! Individuals that only
occasionally smoke cigar or use a tobacco
pipe are now considered non tobacco on our
Final Expense Plans.
Golden Solution &
Family Solution
Questions??? CALL
R.F.S. 877-968-5757
Agent Use Only: Not for public distribution
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