Equitable Life Contracting & Appointment
In 1935 the Equitable Mutual Aid Protective Society was launched. In that same year, Equitable entered the insurance marketplace when benevolent societies were placed under the authority of the insurance commissioner. What we know today as Equitable Life & Casualty was born from these humble beginnings.
Equitable Life & Casualty is Utah’s oldest active life insurer. Licensed to conduct business in 45 states and the District of Columbia, the company has an established national footprint.
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Equitable Heritage Protector Final Expense
Heritage Protector is primarily a final expense life insurance plan to help pay funeral costs, and cover healthcare expenses not covered by traditional health insurance, including Medicare.
Issue ages 50 through 85, benefits ranging from $2,000 to $30,000 based on plan selection. Benefits never decrease, premiums never increase; plan benefits are paid out in one lump sum.
Heritage Protector Level is first-day coverage, and full benefit is payable whenever death occurs. Underwriting rate classes are preferred and standard.
Heritage Protector Graded pays all premiums plus 5% interest to the beneficiary if death occurs during the first 12 months. In the 2nd year, all premiums plus 10% will be paid. In the 3rd year, 75% of the selected benefit is payable. After 36 months, the full benefit is payable. If death is the result of an accident, the full benefit is payable from the first day of coverage.
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Select from Plan A, F, G, or N; Plans are available pre-65 due to disability in some states. Household or Joint Discount is available; state discount guidelines and rules may vary.
If applying under Open Enrollment based solely off Part B eligibility then proof of eligibility is required prior to policy issuance. Some states have other rules in place for guaranteed issue.
Equitable offers three methods for submitting and completing an application: paper, express, or online express. Paper application can be submitted either by faxing or by uploading via agent portal. Express application is completed, from start to finish, over the phone with a specialist. To complete an Online Express application log on via agent portal. Access the support drop-down menu, click on Online Express application. Complete the application in full; submit application coupled with any required state-specific forms. Once an application is submitted, an underwriter is assigned and will contact the applicant to complete the interview.
All applications require a valid signature in order to be processed. Express and Online Express applications require a verbal signature. POA signatures are not accepted on Express and Online Express applications. Regular applications require a physical signature. POA signatures can be accepted only for open enrollment and guaranteed issue cases.
Contract Online With Equitable Life
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