Life Insurance Resource Manual

The Life Insurance Resource Manual is a collection of data to help you be a more effective marketer or life insurance products. Included are tools and tips for doing business with us. Including al of the following:

  • The Kestler Financial Group “Best Practices” for processing life insurance applications with us.
  • An outline of our underwriting process from A to Z. If you were ever curious about what is happening behind the scenes with your cases, this is definitely for you.
  • The Kestler Financial Group Client Questionnaire. A great tool for field underwriting so we can point you to the most appropriate carrier the first time, rather than underwriting by discovery.
  • The Kestler Financial Group Preliminary Application – If the Client Questionnaire uncovers a complex medical history, we can use this form to obtain the client’s medical records and share them with your carriers. This enables you to give the client a solid idea of the pricing for insurance before they complete a formal application or paramedical exam.
  • Tips for a successful Paramed exam.
  • Carrier Roster
  • Contact Information

Term Life Quoting Tool

VitalTerm is the industry’s leading term insurance comparison and quoting system. It offers an extensive database of products, flexible technology and a high level of service and customization.

Click here to use VitalTerm.

Carrier Comparison Tool

VitalUL compares guaranteed to 100 (or similar) universal life products and displays several policy features from surrender charges to all available riders.

Click here to use VitalUL.

Life Insurance Forms

Click here to download Life Insurance Forms.

Underwriting Resources

Have a client with a health history? Use these questionnaires to collect the data we need to quote your case accurately.

  • Breast Cancer
  • Prostate Cancer
  • Cancer (other)
  • Coronary Artery Disease
  • Diabetes