https://www.cpsinsurance.com/products/life-settlements/

스캔 ID:: 89e045fa-f57c-4739-97b1-1df5ea4ee7b1완료
제출된 URL:: https://www.cpsinsurance.com/products/life-settlements리디렉션됨
보고서 완료:: 2024년 11월 8일 19:10:54
링크 · 4개 결과

페이지에서 식별된 외부 링크
링크	텍스트
https://us02web.zoom.us/webinar/register/WN_Myl9WIzjQHCNDnSDarZEDw#/registration	How To Boost Your DI Sales 🚀 Thursday, November 14
https://www.linkedin.com/company/cps-insurance-services
https://twitter.com/cpsinsurance
https://www.facebook.com/cpsinsurance
JavaScript 변수 · 47개 결과

페이지의 창 개체에 로드된 전역 JavaScript 변수는 함수 외부에서 선언된 변수로, 현재 범위 내에서 코드의 어느 부분에서나 액세스할 수 있습니다
이름	유형
0	object
1	object
2	object
onbeforetoggle	object
documentPictureInPicture	object
onscrollend	object
analytics	object
dataLayer	object
pagePath	string
___webpackCompilationHash	string
콘솔 로그 메시지 · 3개 결과

웹 콘솔에 기록된 메시지
유형	카테고리	로그
info	other	URL https://js.intercomcdn.com/frame.159adcaf.js 텍스트 [Intercom] Launcher is disabled in settings or current page does not match display conditions
error	network	URL https://api-iam.intercom.io/messenger/web/launcher_settings 텍스트 Failed to load resource: the server responded with a status of 403 ()
error	network	URL https://api-iam.intercom.io/messenger/web/ping 텍스트 Failed to load resource: the server responded with a status of 403 ()
HTML

페이지의 원시 HTML 본문
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(min-width:769px){.QuickLinks-module--list--voQjC{align-items:center;display:flex;flex-wrap:wrap;gap:1rem;justify-content:center;padding-left:1rem;padding-right:1rem}}@media (max-width:768px){.QuickLinks-module--list--voQjC{grid-gap:.5rem;display:grid;gap:.5rem;grid-auto-rows:1fr;grid-template-columns:repeat(3,1fr)}}.QuickLinks-module--header--4lGX8{margin-bottom:2rem}.QuickLinks-module--link--q1oWT{background-color:var(--cps-gray-light);border:1px solid transparent;color:var(--cps-blue);line-height:1.1;text-align:center;text-decoration:none;transition:border-color var(--t),background-color var(--t),box-shadow var(--t)}.QuickLinks-module--link--q1oWT:hover{background-color:#fff;box-shadow:var(--shadow-sm)}@media (min-width:769px){.QuickLinks-module--link--q1oWT{align-items:center;border-color:var(--border);border-radius:5px;display:inline-flex;gap:.75ch;padding:var(--btn-padding-sm);white-space:nowrap}}@media (max-width:768px){.QuickLinks-module--link--q1oWT{align-content:center;display:grid;font-size:14px;justify-content:center;padding:1rem .5rem;place-content:center}.QuickLinks-module--link--q1oWT:hover{border-color:var(--cps-gray-light)}}.QuickLinks-module--icon--z2cLt{height:1.5em;margin:auto}@media (max-width:768px){.QuickLinks-module--icon--z2cLt{margin-bottom:.5em}}.IconList2-module--root--LKI7a{grid-gap:2rem;display:grid;gap:2rem}@media (min-width:769px){.IconList2-module--root--LKI7a{gap:3rem 4rem;grid-template-columns:340px 1fr}}.IconList2-module--list--sN36a{align-self:start;gap:2rem 4rem}.LeadershipTeam-module--root--2F45E{grid-gap:2rem;display:grid;gap:2rem;grid-template-columns:repeat(var(--col,2),1fr)}@media (min-width:769px){.LeadershipTeam-module--root--2F45E{--col:4}}@media (min-width:1281px){.LeadershipTeam-module--root--2F45E{gap:2rem 4rem}}.LeadershipTeam-module--heading--N2oiY{align-self:center}@media (max-width:768px){.LeadershipTeam-module--heading--N2oiY{grid-column:1/-1}}.LeadershipTeam-module--name--hV64c{font-size:22px;line-height:1.1;margin-top:.5em}.LeadershipTeam-module--title--nsCLk{font-size:12px;letter-spacing:1px;line-height:1.1;margin-top:.5rem}.MaterialPreview-module--pdf--YZbR1{box-shadow:var(--shadow-sm);margin-left:auto;margin-right:auto;max-width:500px;width:100%}.MaterialPreview-module--pdf--YZbR1 object{display:block}.MaterialPreview-module--img--SfhmM{box-shadow:var(--shadow-sm);display:inline-block;transition:box-shadow var(--t)}.MaterialPreview-module--img--SfhmM:hover{box-shadow:var(--shadow)}.Columns-module--grid--HQ5Nc{grid-gap:2rem;display:grid;gap:2rem}@media (min-width:1281px){.Columns-module--grid--HQ5Nc{grid-template-columns:repeat(var(--col,2),1fr)}}.HeroWithBg-module--root--QlXlX{background-color:var(--cps-blue-lighter);position:relative}.HeroWithBg-module--img--TwKKx{bottom:0;left:0;position:absolute!important;right:0;top:0}.HeroWithBg-module--txt--hrwPn{max-width:450px}.HeroWithBg-module--inner--2aHsC{background-color:#fff;padding:2rem;position:relative}.TextItemList-module--header--ArTxy{margin-bottom:2rem}.TextItemList-module--list--kXQ56{grid-gap:2rem;display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}.FeatureList-module--grid--\+J6vW{margin-bottom:4rem}@media (max-width:768px){.FeatureList-module--img--0E9eG{margin-left:auto;margin-right:auto;max-width:350px;padding-left:2rem;padding-right:2rem}}.FeatureList-module--feature--2HhFG{display:flex;gap:1rem;margin-top:2rem}.FeatureList-module--checkmark--BJ4rh{flex:0 0 1rem;height:1.3rem}.FeatureList-module--feature--2HhFG .FeatureList-module--title--sB1Mb{margin-bottom:.5rem}.FeatureList-module--cta--RQPiL{margin-top:2rem}.LogoList-module--title--56nvc{margin-bottom:2rem}.LogoList-module--list--Tbut2{grid-gap:1rem 2rem;display:grid;gap:1rem 2rem;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}@media (max-width:768px){.LogoList-module--list--Tbut2{grid-template-columns:repeat(2,1fr)}}.Testimonials-module--testimonial--Jh77C{grid-gap:2rem 4rem;align-items:center;-webkit-animation:Testimonials-module--appear--NhOmA .4s ease-in-out forwards;animation:Testimonials-module--appear--NhOmA .4s ease-in-out forwards;display:grid;gap:2rem 4rem}@media (min-width:769px){.Testimonials-module--testimonial--Jh77C{grid-template-columns:350px 1fr}}.Testimonials-module--testimonial--Jh77C:not(.Testimonials-module--active--zwcPN){display:none}@-webkit-keyframes Testimonials-module--appear--NhOmA{0%{opacity:0;transform:translateX(1rem)}}@keyframes Testimonials-module--appear--NhOmA{0%{opacity:0;transform:translateX(1rem)}}.Testimonials-module--txt--bAKsG{border-left:1px solid var(--border);padding-bottom:1rem;padding-left:2rem;position:relative}@media (max-width:768px){.Testimonials-module--txt--bAKsG{margin-left:.5rem}}.Testimonials-module--quotation--HNAme{align-content:center;background-color:var(--cps-blue);border-radius:100%;color:#fff;display:grid;height:2.5em;justify-content:center;left:0;place-content:center;position:absolute;top:0;transform:translateX(-50%);width:2.5em}.Testimonials-module--title--hNU\+J{margin-top:0}.Testimonials-module--author--PZSPT{font-size:14px}.Testimonials-module--authorTitle--Xszdh{font-size:12px}.Testimonials-module--clickers--1Zp0h{grid-gap:1rem;display:grid;gap:1rem;grid-template-columns:repeat(auto-fill,60px)}.Testimonials-module--clicker--l5CAm{-webkit-appearance:none;-moz-appearance:none;appearance:none;background-color:var(--cps-aluminum-light);border:0;cursor:pointer;font-size:0;height:10px}.Testimonials-module--clicker--l5CAm:hover{background-color:var(--cps-blue-light)}.Testimonials-module--clicker--l5CAm.Testimonials-module--active--zwcPN{background-color:var(--cps-blue)}.Hero-module--root--zhgG9{gap:4rem 2rem}.Hero-module--txt--2Qa3L{box-sizing:content-box;max-width:500px}.Hero-module--cta--2oAv\+{margin-top:2rem}@media (max-width:768px){.Hero-module--cta--2oAv\+{text-align:center}.Hero-module--img--tpSVy{padding-left:2rem;padding-right:2rem}}.MarketingMaterials-module--list--V2fQV{grid-gap:1rem;display:grid;gap:1rem;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));margin-top:4rem}.Filter-module--filter--NTFKM{align-items:center;display:flex;flex-wrap:wrap;gap:1ch;margin-bottom:2rem}.Filter-module--label--iC3qm{flex-basis:6rem}@media (max-width:768px){.Filter-module--label--iC3qm{flex-basis:100%}}.FilterButton-module--close--\+Zi3I{align-content:center;background-color:#fff;border:1.5px solid var(--cps-blue);border-radius:100%;color:var(--cps-blue);display:grid;justify-content:center;padding:.1em;place-content:center;position:absolute;right:.25em;top:.25em;transform:translateY(-50%)}.Material-module--root--dwe4H{-webkit-animation:Material-module--appear--ZzirI var(--t) forwards;animation:Material-module--appear--ZzirI var(--t) forwards}@-webkit-keyframes Material-module--appear--ZzirI{0%{opacity:0}}@keyframes Material-module--appear--ZzirI{0%{opacity:0}}.Material-module--link--q14UP{border:1px solid var(--border);border-radius:5px;color:inherit;display:flex;flex-direction:column;height:100%;overflow:hidden;text-decoration:none;transition:box-shadow var(--t)}.Material-module--link--q14UP:hover{box-shadow:var(--shadow-sm)}.Material-module--thumbnail--cpl2Z{background-color:var(--cps-aluminum-light)}@supports (aspect-ratio:initial){.Material-module--thumbnail--cpl2Z{aspect-ratio:1.5}}@supports not (aspecti-ratio:initial){.Material-module--thumbnail--cpl2Z{padding-top:66.66667%}}.Material-module--type--CRIwz{background-color:hsla(0,0%,100%,.667);border-radius:5px;bottom:0;margin:.5rem;padding:0 .75em;position:absolute;right:0}.Material-module--txt--vDbFq{display:flex;flex-direction:column;gap:.5rem;height:100%;line-height:1.3;padding:1rem}.Material-module--title--0onG5{flex:1 1 100%}.Material-module--product--zGYCr{color:var(--text-dark);display:block}.QuickSso-module--root--oqITy{display:flex;flex-wrap:wrap;gap:1rem}.QuotingTools-module--header--Vp8X7{margin-bottom:2rem}.QuotingTools-module--grid--1GGVn{grid-gap:2rem 4rem;display:grid;gap:2rem 4rem}@media (min-width:769px){.QuotingTools-module--grid--1GGVn{grid-template-columns:250px auto}}@media (max-width:768px){.QuotingTools-module--toc--\+0GdE{border-left:1px solid var(--border);padding-left:.5rem}}.QuotingTools-module--nav--92GZo{border-radius:5px;color:inherit;display:block;line-height:1.3;margin-bottom:.5ch;padding:1rem;text-decoration:none}.QuotingTools-module--nav--92GZo:hover{background-color:var(--cps-aluminum-light)}.QuotingTools-module--nav--92GZo.QuotingTools-module--active--SpoZO{background-color:var(--cps-blue);color:#fff}.QuotingTools-module--article--mxjkw+.QuotingTools-module--article--mxjkw{border-top:1px solid var(--border);margin-top:3rem;padding-top:3rem}.QuotingTools-module--desc--9UuDE h3{font-weight:400;letter-spacing:2px;text-transform:uppercase}.QuotingTools-module--notice--d0SJz{background-color:var(--cps-navy);color:#fff;margin-top:2rem;padding:2rem}.QuotingTools-module--notice--d0SJz h3{text-transform:uppercase}.Flag-module--flag--lSzOo{grid-gap:2rem;align-items:start;display:grid;gap:2rem}@media (min-width:769px){.Flag-module--flag--lSzOo{grid-template-columns:200px 1fr}}.Flag-module--flag--lSzOo+.Flag-module--flag--lSzOo{border-top:1px solid var(--border)}.Resources-module--list--i2OhI{grid-gap:2rem;display:grid;gap:2rem;margin-top:2rem}@media (min-width:769px){.Resources-module--list--i2OhI{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}}.Resources-module--resource--RHDJE{border:1px solid var(--border);border-radius:5px;overflow:hidden;transition:box-shadow var(--t)}.Resources-module--resource--RHDJE:hover{box-shadow:var(--shadow-sm)}.Resources-module--link--L5Lu\+{display:block;transition:opacity var(--t)}.Resources-module--link--L5Lu\+:hover{opacity:.8}.Resources-module--img--h3vby{width:100%}.Resources-module--inner--3lxZG{padding:1rem}.WISProduct-module--root--YginA+.WISProduct-module--root--YginA{border-top:1px solid var(--border)}.WISProduct-module--header--SBtZ-{margin-bottom:2rem}.WISProduct-module--grid--yGA6q{grid-gap:2rem 3rem;display:grid;gap:2rem 3rem}@media (min-width:769px){.WISProduct-module--grid--yGA6q{grid-template-columns:repeat(2,1fr)}}@media (min-width:1281px){.WISProduct-module--grid--yGA6q{grid-template-columns:2fr 1fr 1fr}}@media (min-width:769px) and (max-width:1280px){.WISProduct-module--desc--4xcAE{grid-column:1/-1}}.WISProduct-module--advisor--S5p9j{grid-gap:0 1rem;align-items:center;display:grid;gap:0 1rem;grid-template-columns:auto 1fr}.WISProduct-module--advisor--S5p9j dt{align-content:center;display:grid;justify-content:center;place-content:center}.Resources-module--title--ras9d{margin-bottom:2rem}.Resources-module--contents--OVCe0{-webkit-animation:Resources-module--appear--55eRc var(--t) forwards;animation:Resources-module--appear--55eRc var(--t) forwards}.Resources-module--contents--OVCe0:not(:last-child){border-bottom:1px solid var(--border);margin-bottom:3rem;padding-bottom:3rem}@-webkit-keyframes Resources-module--appear--55eRc{0%{opacity:0}}@keyframes Resources-module--appear--55eRc{0%{opacity:0}}.Team-module--header--S3b7N{margin-bottom:2rem}.Team-module--list--OIU5D{grid-gap:2rem 4rem;display:grid;gap:2rem 4rem}@media (min-width:1281px){.Team-module--list--OIU5D{grid-template-columns:repeat(2,1fr)}}.Employee-module--root--SljAK{grid-gap:1.5rem;align-items:center;display:grid;gap:1.5rem;grid-template-columns:max(80px,min(15vw,200px)) 1fr;line-height:1.3}.Employee-module--info--P26qs>*+*{margin-top:.5rem}.Employee-module--url--bx2EA:hover{opacity:.8}.Employee-module--title--aLRod{color:inherit;text-decoration:none}.Employee-module--title--aLRod:hover{color:inherit;text-decoration:underline}.EmployeePhoto-module--root--r7HYY{align-self:start;position:relative}.EmployeePhoto-module--root--r7HYY:after{background-color:var(--cps-aluminum-light);bottom:0;box-shadow:.5rem 0 0 #fff,1rem 0 0 var(--cps-aluminum-light),0 -.5rem 0 #fff,0 -1rem 0 var(--cps-aluminum-light),.5rem -.5rem 0 #fff,1rem -1rem 0 var(--cps-aluminum-light);content:"";display:block;height:85%;left:0;position:absolute;width:85%}@supports (aspect-ratio:1){.EmployeePhoto-module--root--r7HYY{aspect-ratio:1}}@supports not (aspect-ratio:1){.EmployeePhoto-module--placeholder--k3jtH{padding-top:100%}}.EmployeePhoto-module--img--cGRFk{position:relative;z-index:1}.EmployeeContact-module--root--ER7Cm{grid-gap:.5rem 1rem;align-items:center;display:grid;gap:.5rem 1rem;grid-template-columns:auto 1fr}.EmployeeContact-module--root--ER7Cm dt{align-content:center;display:grid;justify-content:center;place-content:center}@media (max-width:768px){.EmployeeContact-module--root--ER7Cm{gap:.5rem}}.EmployeeContact-module--root--ER7Cm a{color:inherit;text-decoration:none;word-break:break-all}.EmployeeContact-module--root--ER7Cm a:hover{text-decoration:underline}.EmployeeContact-module--icon--xYD-R{color:var(--cps-aluminum);font-size:1.2em}.BottomSection-module--img--gwOUu{min-height:250px;width:100%}.BottomSection-module--list--NwIfJ{grid-gap:2rem 4rem;display:grid;gap:2rem 4rem;margin-top:2rem}@media (min-width:769px){.BottomSection-module--list--NwIfJ{grid-template-columns:repeat(3,1fr)}}.BottomSection-module--title--EA8FE{margin-bottom:.5em}.TaxEquivalentCalculator-module--root--Lqbrd{grid-gap:6rem;display:grid;gap:6rem}.TaxEquivalentCalculator-module--root--Lqbrd article[\:has\(table\)]>details>div{grid-gap:2rem;align-items:center;display:grid;gap:2rem;text-align:center}.TaxEquivalentCalculator-module--root--Lqbrd article:has(table)>details>div{grid-gap:2rem;align-items:center;display:grid;gap:2rem;text-align:center}.TaxEquivalentCalculator-module--root--Lqbrd table{display:table;font-size:1rem;margin-bottom:1rem;min-width:100%;text-align:center;width:100%}@media (max-width:640px){.TaxEquivalentCalculator-module--root--Lqbrd table{display:block;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);overflow-x:auto;width:100vw}}.TaxEquivalentCalculator-module--root--Lqbrd table th{font-weight:700;padding:.5em;vertical-align:middle}.TaxEquivalentCalculator-module--root--Lqbrd table td{padding:.5em}.TaxEquivalentCalculator-module--root--Lqbrd table tr:nth-child(2n){background-color:var(--cps-gray-light)}@media (min-width:768px){.ManualInputs-module--root--zqqAO{background-color:#fff;padding-bottom:1rem;padding-top:1rem;position:-webkit-sticky;position:sticky;top:calc(var(--header-height) - 1.5rem);z-index:1}}.ManualInputs-module--inputs--F0iFn{grid-gap:1.5rem 3rem;display:grid;gap:1.5rem 3rem}@media (min-width:640px){.ManualInputs-module--inputs--F0iFn{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}}.Slider-module--root--V1cPj{grid-gap:.5rem;display:grid;gap:.5rem}.Slider-module--root--V1cPj input{width:100%}.Slider-module--label--\+UIOp{font-size:1.2rem;font-weight:700}.Slider-module--inputLabel--T3vEx{align-items:center;display:flex;font-size:1.2em;gap:.5em}.Slider-module--input--eeCaR{border:1px solid var(--border);border-radius:.25em;font-size:inherit;outline:none;padding:.5em 1em;text-align:center}.Slider-module--input--eeCaR:focus{border-color:var(--cps-blue)}.Slider-module--slider--Tpfab{accent-color:var(--cps-blue-light)}.TermSelection-module--root--BiWZv{display:flex;flex-direction:column;gap:.5rem}.TermSelection-module--label--rzRkT{font-size:1.2rem;font-weight:700}.TermSelection-module--select--9QcWI{background-color:#fff;border:1px solid var(--border);border-radius:.25em;display:block;font-size:1.2em;outline:none;padding:.5em 1em;text-align:center;width:100%}.TermSelection-module--select--9QcWI:focus{border-color:var(--cps-blue)}.ChartResults-module--root--Lizw4{text-align:center}.ChartResults-module--root--Lizw4 h2{margin-bottom:1rem}.ChartResults-module--grid--zljZP{grid-gap:1rem 3rem;align-items:center;display:grid;gap:1rem 3rem}@media (min-width:768px){.ChartResults-module--grid--zljZP{grid-template-columns:var(--chart-layout,2fr 1fr)}}.ChartResults-module--chart--\+Wew7{overflow-x:auto}.ChartResults-module--taxable--0jZLG{text-wrap:balance;align-items:end;display:flex;gap:1rem;justify-content:center;margin:auto}.ChartResults-module--taxable--0jZLG>div{grid-gap:.5rem;display:grid;gap:.5rem}.ChartResults-module--taxable--0jZLG dd{color:#74cef5}.ChartResults-module--deferral--Dagny{grid-gap:.5rem;text-wrap:balance;display:grid;gap:.5rem}.ChartResults-module--deferral--Dagny dd{color:#4ea72e;font-weight:700}.TableResults-module--toggle--hAJ3K{font-size:1.2rem;text-align:center}.TableResults-module--toggle--hAJ3K summary{align-items:center;box-shadow:none!important;cursor:pointer;display:flex;gap:.5em;justify-content:center;padding-bottom:1rem;padding-top:1rem}.TableResults-module--toggle--hAJ3K .TableResults-module--icon--kfrj5{transition:rotate .2s ease-in-out}.TableResults-module--toggle--hAJ3K[open] .TableResults-module--icon--kfrj5{rotate:-180deg}.TableResults-module--toggle--hAJ3K>:not(summary){margin-top:1rem}.PostSidebar-module--list--Mjsf4{align-items:center;display:flex;gap:2rem 1rem}@media (min-width:429px){.PostSidebar-module--list--Mjsf4{flex-direction:column}}.PostSidebar-module--list--Mjsf4 a,.PostSidebar-module--list--Mjsf4 svg{color:var(--cps-navy);font-size:1.25em;text-decoration:none}.PostSidebar-module--back--Yw2T3{flex:1 1}@media (min-width:429px){.PostSidebar-module--back--Yw2T3{border-bottom:1px solid var(--border);padding:0 .5rem 1rem}}.Share-module--list--9SJb5{display:flex;justify-content:space-between;margin-top:.5rem}.Share-module--list--9SJb5 svg{color:var(--cps-navy);font-size:1.5rem}.Share-module--btn--qvZHC{align-content:center;display:grid;justify-content:center;place-content:center}.Subscribe-module--btn--ii2qj{font-weight:700;text-transform:uppercase}.BlogListing-module--list--OXHTu{grid-gap:2rem;display:grid;gap:2rem;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));margin-top:4rem}.BlogListing-module--more--Nu7gc,.ReadNext-module--root--moEzz{margin-top:2rem}.ReadNext-module--list--dCWKD{grid-gap:2rem;display:grid;gap:2rem;margin-top:2rem}@media (min-width:769px){.ReadNext-module--list--dCWKD{grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}}.ArticlePreview-module--root--tC1\+N{-webkit-animation:ArticlePreview-module--appear--war1I var(--t) forwards;animation:ArticlePreview-module--appear--war1I var(--t) forwards}@-webkit-keyframes ArticlePreview-module--appear--war1I{0%{opacity:0}}@keyframes ArticlePreview-module--appear--war1I{0%{opacity:0}}.ArticlePreview-module--link--OMfwP{color:var(--text);display:block;text-decoration:none!important}.ArticlePreview-module--link--OMfwP>*+*{margin-top:1rem}.ArticlePreview-module--link--OMfwP:hover .ArticlePreview-module--img--PEKYX{overflow:hidden}.ArticlePreview-module--link--OMfwP:hover .ArticlePreview-module--img--PEKYX img{filter:brightness(1.1)}.ArticlePreview-module--link--OMfwP:hover .ArticlePreview-module--placeholder--zKMhZ{filter:brightness(1.05)}.ArticlePreview-module--img--PEKYX{width:100%}.ArticlePreview-module--img--PEKYX.ArticlePreview-module--large--xMcLm{aspect-ratio:2}.ArticlePreview-module--img--PEKYX img,.ArticlePreview-module--placeholder--zKMhZ{transition:filter var(--t)!important}.ArticlePreview-module--placeholder--zKMhZ{background-color:var(--cps-aluminum-light)}@supports (aspect-ratio:initial){.ArticlePreview-module--placeholder--zKMhZ{aspect-ratio:1.7}}@supports not (aspect-ratio:initial){.ArticlePreview-module--placeholder--zKMhZ{padding-top:58.82353%}}.ArticlePreview-module--desc--BjdaJ{-webkit-line-clamp:2;-webkit-box-orient:vertical;display:-webkit-box;overflow:hidden}.ArticlePreview-module--more--RR1JB{align-items:center;display:inline-flex}.CategoryAndDate-module--root--eDQvH{font-size:14px}.CategoryAndDate-module--category--DEUGQ,.CategoryAndDate-module--date--LDVeB{display:inline-block}.BottomHero-module--root--0PaHZ{margin-top:4rem;padding-bottom:6rem;padding-top:6rem;position:relative}.BottomHero-module--img--jI64p{bottom:0;left:0;position:absolute!important;right:0;top:0}.BottomHero-module--txt--zbonN{max-width:430px}.BottomHero-module--inner--jlMxk{background-color:#fff;padding:1rem;position:relative}@media (max-width:428px){.BottomHero-module--title--H7u7H{font-size:var(--h2)}}.BottomHero-module--actions--spNjd{grid-gap:1ch;display:grid;gap:1ch;grid-template-columns:1fr 1fr}@media 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(min-width:1281px){.UnderwritingForms-module--root--6BRxa{-moz-columns:2;column-count:2;gap:4rem}}.UnderwritingForms-module--category--QRzs6{-moz-column-break-inside:avoid;break-inside:avoid;page-break-inside:avoid}.UnderwritingForms-module--notes--6uWFD{display:inline-block;margin-left:1rem}</style><link rel="preconnect" href="https://cdn.sanity.io"><style>.gatsby-image-wrapper{position:relative;overflow:hidden}.gatsby-image-wrapper picture.object-fit-polyfill{position:static!important}.gatsby-image-wrapper img{bottom:0;height:100%;left:0;margin:0;max-width:none;padding:0;position:absolute;right:0;top:0;width:100%;object-fit:cover}.gatsby-image-wrapper [data-main-image]{opacity:0;transform:translateZ(0);transition:opacity .25s linear;will-change:opacity}.gatsby-image-wrapper-constrained{display:inline-block;vertical-align:top}</style><noscript><style>.gatsby-image-wrapper noscript [data-main-image]{opacity:1!important}.gatsby-image-wrapper 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href="/products/life-insurance">Life Insurance<svg stroke="currentColor" fill="none" stroke-width="0" viewBox="0 0 24 24" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M5.63605 7.75735L7.05026 6.34314L12.7071 12L7.05029 17.6568L5.63608 16.2426L9.87869 12L5.63605 7.75735Z" fill="currentColor"></path><path d="M12.7071 6.34314L11.2929 7.75735L15.5356 12L11.2929 16.2426L12.7072 17.6568L18.364 12L12.7071 6.34314Z" fill="currentColor"></path></svg></a></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Tools</h2><nav class="HeaderLinks-module--children--PU458"><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Term &amp; UL Life Quotes<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">WinFlex Web<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Life Product Guides<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Life Questionnaires<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Life e-App<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Apps &amp; Forms Engine<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div><div><div><a class="link HeaderLinks-module--link--UvjyB" href="/point-of-sales-support">Point of Sale Support</a></div></div><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">My Business Portal<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Document Upload<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div></nav></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Resources</h2><nav class="HeaderLinks-module--children--PU458"><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/life-insurance#request-a-life-insurance-quote">Request a Life Insurance Quote</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/life-insurance#business-insurance-planning">Business Insurance Planning</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/life-insurance#advanced-planning">Advanced Planning</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/life-insurance#fact-finders">Fact Finders</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/life-insurance#guaranteed-and-simplified-issue-underwriting">Guaranteed &amp; Simplified Issue Underwriting</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/life-insurance#policy-holder-services">Policy Holder Services</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/life-insurance#policy-review-kit">Policy Review Kit</a></div></nav></div></div></div></div></li><li class="MegaMenu-module--root--D2y-T"><a class="MegaMenu-module--title--k4zWS nav--link" href="/products/annuities">Annuities<svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 24 24" class="MegaMenu-module--icon--iZ7L8 tablet" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill="none" d="M0 0h24v24H0V0z"></path><path d="M8.59 16.59L13.17 12 8.59 7.41 10 6l6 6-6 6-1.41-1.41z"></path></svg></a><div class="MegaMenu-module--contents--g4UmL"><div class="MegaMenu-module--inner--05C0g"><div class="MegaMenu-module--grid--A+sMm container"><div class="MegaMenu-module--parent--EyjHj"><a class="link with-icon uppercase" href="/products/annuities">Annuities<svg stroke="currentColor" fill="none" stroke-width="0" viewBox="0 0 24 24" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M5.63605 7.75735L7.05026 6.34314L12.7071 12L7.05029 17.6568L5.63608 16.2426L9.87869 12L5.63605 7.75735Z" fill="currentColor"></path><path d="M12.7071 6.34314L11.2929 7.75735L15.5356 12L11.2929 16.2426L12.7072 17.6568L18.364 12L12.7071 6.34314Z" fill="currentColor"></path></svg></a></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Tools</h2><nav class="HeaderLinks-module--children--PU458"><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 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26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">My Business Portal<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Document Upload<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div></nav></div><div 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tablet" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill="none" d="M0 0h24v24H0V0z"></path><path d="M8.59 16.59L13.17 12 8.59 7.41 10 6l6 6-6 6-1.41-1.41z"></path></svg></a><div class="MegaMenu-module--contents--g4UmL"><div class="MegaMenu-module--inner--05C0g"><div class="MegaMenu-module--grid--A+sMm container"><div class="MegaMenu-module--parent--EyjHj"><a class="link with-icon uppercase" href="/products/disability-income-insurance">Disability<svg stroke="currentColor" fill="none" stroke-width="0" viewBox="0 0 24 24" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M5.63605 7.75735L7.05026 6.34314L12.7071 12L7.05029 17.6568L5.63608 16.2426L9.87869 12L5.63605 7.75735Z" fill="currentColor"></path><path d="M12.7071 6.34314L11.2929 7.75735L15.5356 12L11.2929 16.2426L12.7072 17.6568L18.364 12L12.7071 6.34314Z" fill="currentColor"></path></svg></a></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Tools</h2><nav class="HeaderLinks-module--children--PU458"><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Assurity DI Rates<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Assurity CI Rates<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Apps &amp; Forms Engine<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this 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class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Document Upload<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div></nav></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Resources</h2><nav class="HeaderLinks-module--children--PU458"><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/disability-income-insurance#quote-income-protection">Quote Income Protection</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/disability-income-insurance#request-a-di-quote">Request a DI Quote</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/disability-income-insurance#carrier-specific-marketing-resources">Carrier Specific Marketing Resources</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/disability-income-insurance#di-e-application-tools">DI E-Application Tools</a></div></nav></div></div></div></div></li><li class="MegaMenu-module--root--D2y-T"><a class="MegaMenu-module--title--k4zWS nav--link" href="/products/long-term-health-care-insurance">Long-Term Care<svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 24 24" class="MegaMenu-module--icon--iZ7L8 tablet" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill="none" d="M0 0h24v24H0V0z"></path><path d="M8.59 16.59L13.17 12 8.59 7.41 10 6l6 6-6 6-1.41-1.41z"></path></svg></a><div class="MegaMenu-module--contents--g4UmL"><div class="MegaMenu-module--inner--05C0g"><div class="MegaMenu-module--grid--A+sMm container"><div class="MegaMenu-module--parent--EyjHj"><a class="link with-icon uppercase" href="/products/long-term-health-care-insurance">Long-Term Care<svg stroke="currentColor" fill="none" stroke-width="0" viewBox="0 0 24 24" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M5.63605 7.75735L7.05026 6.34314L12.7071 12L7.05029 17.6568L5.63608 16.2426L9.87869 12L5.63605 7.75735Z" fill="currentColor"></path><path d="M12.7071 6.34314L11.2929 7.75735L15.5356 12L11.2929 16.2426L12.7072 17.6568L18.364 12L12.7071 6.34314Z" fill="currentColor"></path></svg></a></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Tools</h2><nav class="HeaderLinks-module--children--PU458"><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">WinFlex Web<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><p><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Traditional LTC<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this 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152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Hybrid LTC e-App<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></p><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Apps &amp; Forms Engine<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div><div><div><a class="link HeaderLinks-module--link--UvjyB" href="/point-of-sales-support">Point of Sale Support</a></div></div><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">My Business Portal<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z"></path></svg><span class="LockedLink-module--title--U+Y+w">Document Upload<small class="LockedLink-module--tooltip--MSBOU">Sign in to access this tool</small></span></span></div></nav></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Resources</h2><nav class="HeaderLinks-module--children--PU458"><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#point-of-sale-assistance">Point of Sale Assistance</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#request-a-ltc-quote">Request a LTC Quote</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#consumer-marketing">Consumer Marketing</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#ltc-tax-deductibility">LTC Tax Deductibility</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#cost-of-care-surveys">Cost Of Care Surveys</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#prospecting">Prospecting</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#pre-qualification-forms">Pre-Qualification Forms</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#what's-your-plan-brochure">What’s Your Plan Brochure</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#long-term-care-awareness-month-resources">Long-Term Care Awareness Month Resources</a></div><div><a class="HeaderLinks-module--link--UvjyB link" href="/products/long-term-health-care-insurance#useful-links">Useful Links</a></div></nav></div></div></div></div></li><li class="MegaMenu-module--root--D2y-T"><a aria-current="page" class="MegaMenu-module--title--k4zWS nav--link" href="/products/life-settlements">Life Settlements<svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 24 24" class="MegaMenu-module--icon--iZ7L8 tablet" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill="none" d="M0 0h24v24H0V0z"></path><path d="M8.59 16.59L13.17 12 8.59 7.41 10 6l6 6-6 6-1.41-1.41z"></path></svg></a><div class="MegaMenu-module--contents--g4UmL"><div class="MegaMenu-module--inner--05C0g"><div class="MegaMenu-module--grid--A+sMm container"><div class="MegaMenu-module--parent--EyjHj"><a aria-current="page" class="link with-icon uppercase" href="/products/life-settlements">Life Settlements<svg stroke="currentColor" fill="none" stroke-width="0" viewBox="0 0 24 24" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M5.63605 7.75735L7.05026 6.34314L12.7071 12L7.05029 17.6568L5.63608 16.2426L9.87869 12L5.63605 7.75735Z" fill="currentColor"></path><path d="M12.7071 6.34314L11.2929 7.75735L15.5356 12L11.2929 16.2426L12.7072 17.6568L18.364 12L12.7071 6.34314Z" fill="currentColor"></path></svg></a></div><div class="HeaderLinks-module--parent--utImH richtext"><h2 class="uppercase">Tools</h2><nav class="HeaderLinks-module--children--PU458"><div><span class="LockedLink-module--locked--Es2XA with-icon"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" class="LockedLink-module--icon--kyc7Z text-light" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 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style="max-width: 100%; display: block; position: static;"></div><div aria-hidden="true" data-placeholder-image="" style="opacity: 0; transition: opacity 500ms linear 0s; object-fit: cover;"></div><img draggable="false" width="1170" height="400" data-main-image="" sizes="(min-width: 1170px) 1170px, 100vw" decoding="async" src="https://cdn.sanity.io/images/l5x2lld5/production/5f196d1dbce9b4948b0d77bfaa0f9ebf29ac8bca-1170x400.png?w=1170&amp;h=400&amp;auto=format" srcset="https://cdn.sanity.io/images/l5x2lld5/production/5f196d1dbce9b4948b0d77bfaa0f9ebf29ac8bca-1170x400.png?rect=0,0,1170,399&amp;w=320&amp;h=109&amp;auto=format 320w,
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https://cdn.sanity.io/images/l5x2lld5/production/5f196d1dbce9b4948b0d77bfaa0f9ebf29ac8bca-1170x400.png?w=1024&amp;h=350&amp;auto=format 1024w,
https://cdn.sanity.io/images/l5x2lld5/production/5f196d1dbce9b4948b0d77bfaa0f9ebf29ac8bca-1170x400.png?w=1170&amp;h=400&amp;auto=format 1170w" alt="Life Settlements" style="object-fit: cover; opacity: 1;"><noscript></noscript></div><div class="container padding"><div class="HeroWithBg-module--txt--hrwPn styled-corner-left styled-corner-right"><div class="HeroWithBg-module--inner--2aHsC richtext"><h1 class="h1 cps-blue">Life Settlements</h1><div class="richtext"><p>"200 billion dollars of life insurance will either lapse or be surrendered back to the insurance company each year - that could have been a life settlement," Conning &amp; Co.</p></div></div></div></div></section><section class="padding-y container padding"><header class="TextItemList-module--header--ArTxy"><h2 class="uppercase">Life Settlements - What you need to know</h2></header><ul class="TextItemList-module--list--kXQ56"><li class="card richtext"><div class="richtext"><h3 class="h2">What is a Life Settlement?</h3><div class="richtext"><p>A life settlement is the sale of an existing insurance policy or a portion of a policy to a third party for cash. After the sale, the buyer becomes the policy’s owner and at least a partial beneficiary, assuming responsibility for 100% of its premium payments.</p></div></div></li><li class="card richtext"><div class="richtext"><h3 class="h2">Why would someone consider a Life Settlement?</h3><div class="richtext"><ul><li>Policy is no longer needed or wanted</li><li>Cash is needed for retirement</li><li>Premiums are no longer affordable</li><li>Need to pay for long-term care services</li><li>Financial assistance is needed to pay for medical bills</li><li>A family business is sold, or the owner retires, and key person’s insurance is no longer needed</li></ul></div></div></li><li class="card richtext"><div class="richtext"><h3 class="h2">How does a Life Settlement work?</h3><div class="richtext"><ul><li>We secure illustrations and, if needed, medical records for underwriting, which will help us maximize the offer.</li><li>Once we have a complete file, we will send your case out to our institutional life settlement funding sources for offers.</li><li>We negotiate and present offers to you for approval to proceed with closing documents.</li><li>There is&nbsp;<strong><em>no cost or obligation</em></strong>&nbsp;to accept an offer at any time.</li></ul></div></div></li></ul></section><section class="container padding richtext"><h2 class="h2">Types of Life Settlements</h2><div class="richtext"><h3 class="h3" id="traditional-life-settlement"><strong>Traditional Life Settlement</strong></h3><p>In a traditional life settlement, a licensed life settlement provider (buyer) pays the policy owner (seller) a cash settlement amount above the surrender value. The premiums will be paid by the buyer for the remainder of the insured’s life. The seller receives an agreed upon cash sum when the settlement is complete.</p><h3 class="h3" id="retained-death-benefit"><strong>Retained Death Benefit</strong></h3><p>With this option, the seller keeps a portion of the policy and is named as an irrevocable beneficiary on the policy and will receive a guaranteed percentage of the death benefit when the policy pays out. The amount is usually much more than traditional life settlements. The original owner will no longer be required to pay the premiums but will receive a portion of the death benefit. RDB is not available in all states.</p><h3 class="h3" id="hybrid-life-settlement"><strong>Hybrid Life Settlement</strong></h3><p>A hybrid settlement is a combination of both a traditional and retained death benefit settlement. It provides much needed cash without giving up the entirety of a policy. Clients often take advantage of this option to supplement their retirement while still protecting their family financially.</p></div></section><section class="container padding richtext"><div class="richtext"><p></p></div></section><section class="container padding"><header class="Team-module--header--S3b7N"><h2 class="uppercase">Contact the Life Settlements Team</h2></header><ul class="Team-module--list--OIU5D"><div class="Employee-module--root--SljAK"><a class="Employee-module--url--bx2EA" href="/our-team#rob-reedy"><div class="EmployeePhoto-module--root--r7HYY"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained EmployeePhoto-module--img--cGRFk"><div style="max-width: 400px; display: block;"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='426' width='400' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width: 100%; display: block; position: static;"></div></div></div></a><div class="Employee-module--info--P26qs"><a class="Employee-module--title--aLRod h2" href="/our-team#rob-reedy">Rob Reedy, CLU, ChFC</a><div class="uppercase">Vice President of Life Sales &amp; Marketing</div><dl class="EmployeeContact-module--root--ER7Cm"><dt><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="EmployeeContact-module--icon--xYD-R" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M493.4 24.6l-104-24c-11.3-2.6-22.9 3.3-27.5 13.9l-48 112c-4.2 9.8-1.4 21.3 6.9 28l60.6 49.6c-36 76.7-98.9 140.5-177.2 177.2l-49.6-60.6c-6.8-8.3-18.2-11.1-28-6.9l-112 48C3.9 366.5-2 378.1.6 389.4l24 104C27.1 504.2 36.7 512 48 512c256.1 0 464-207.5 464-464 0-11.2-7.7-20.9-18.6-23.4z"></path></svg></dt><dd><a href="tel:949.225.7109">949.225.7109</a></dd><dt><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="EmployeeContact-module--icon--xYD-R" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z"></path></svg></dt><dd><a href="mailto:[email protected]">[email protected]</a></dd></dl></div></div><div class="Employee-module--root--SljAK"><a class="Employee-module--url--bx2EA" href="/our-team#matt-gandy"><div class="EmployeePhoto-module--root--r7HYY"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained EmployeePhoto-module--img--cGRFk"><div style="max-width: 400px; display: block;"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg height='426' width='400' xmlns='http://www.w3.org/2000/svg' version='1.1'%3E%3C/svg%3E" style="max-width: 100%; display: block; position: static;"></div></div></div></a><div class="Employee-module--info--P26qs"><a class="Employee-module--title--aLRod h2" href="/our-team#matt-gandy">Matt Gandy, CLU</a><div class="uppercase">Senior Consultant</div><dl class="EmployeeContact-module--root--ER7Cm"><dt><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="EmployeeContact-module--icon--xYD-R" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M493.4 24.6l-104-24c-11.3-2.6-22.9 3.3-27.5 13.9l-48 112c-4.2 9.8-1.4 21.3 6.9 28l60.6 49.6c-36 76.7-98.9 140.5-177.2 177.2l-49.6-60.6c-6.8-8.3-18.2-11.1-28-6.9l-112 48C3.9 366.5-2 378.1.6 389.4l24 104C27.1 504.2 36.7 512 48 512c256.1 0 464-207.5 464-464 0-11.2-7.7-20.9-18.6-23.4z"></path></svg></dt><dd><a href="tel:949.225.7159">949.225.7159</a></dd><dt><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" class="EmployeeContact-module--icon--xYD-R" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z"></path></svg></dt><dd><a href="mailto:[email protected]">[email protected]</a></dd></dl></div></div></ul></section></main><footer class="Footer-module--root--VnQEI padding-y"><div class="Footer-module--grid--D7A2Q container-lg padding-x"><div class="Footer-module--logo--F7l6g"><a href="/"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained Footer-module--img--ReUTc"><div style="max-width: 590px; 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display: none;"></textarea></div><iframe style="display: none;"></iframe></div><iframe id="intercom-frame" style="position: absolute !important; opacity: 0 !important; width: 1px !important; height: 1px !important; top: 0 !important; left: 0 !important; border: none !important; display: block !important; z-index: -1 !important; pointer-events: none;" aria-hidden="true" tabindex="-1" title="Intercom"></iframe><div class="intercom-lightweight-app"><style id="intercom-lightweight-app-style" type="text/css">
  @keyframes intercom-lightweight-app-launcher {
    from {
      opacity: 0;
      transform: scale(0.5);
    }
    to {
      opacity: 1;
      transform: scale(1);
    }
  }

  @keyframes intercom-lightweight-app-gradient {
    from {
      opacity: 0;
    }
    to {
      opacity: 1;
    }
  }

  @keyframes intercom-lightweight-app-messenger {
    0% {
      opacity: 0;
      transform: scale(0);
    }
    40% {
      opacity: 1;
    }
    100% {
      transform: scale(1);
    }
  }

  .intercom-lightweight-app {
    position: fixed;
    z-index: 2147483001;
    width: 0;
    height: 0;
    font-family: intercom-font, "Helvetica Neue", "Apple Color Emoji", Helvetica, Arial, sans-serif;
  }

  .intercom-lightweight-app-gradient {
    position: fixed;
    z-index: 2147483002;
    width: 500px;
    height: 500px;
    bottom: 0;
    right: 0;
    pointer-events: none;
    background: radial-gradient(
      ellipse at bottom right,
      rgba(29, 39, 54, 0.16) 0%,
      rgba(29, 39, 54, 0) 72%);
    animation: intercom-lightweight-app-gradient 200ms ease-out;
  }

  .intercom-lightweight-app-launcher {
    position: fixed;
    z-index: 2147483003;
    padding: 0 !important;
    margin: 0 !important;
    border: none;
    bottom: 20px;
    right: 20px;
    max-width: 48px;
    width: 48px;
    max-height: 48px;
    height: 48px;
    border-radius: 50%;
    background: undefined;
    cursor: pointer;
    box-shadow: 0 1px 6px 0 rgba(0, 0, 0, 0.06), 0 2px 32px 0 rgba(0, 0, 0, 0.16);
    transition: transform 167ms cubic-bezier(0.33, 0.00, 0.00, 1.00);
    box-sizing: content-box;
  }


  .intercom-lightweight-app-launcher:hover {
    transition: transform 250ms cubic-bezier(0.33, 0.00, 0.00, 1.00);
    transform: scale(1.1)
  }

  .intercom-lightweight-app-launcher:active {
    transform: scale(0.85);
    transition: transform 134ms cubic-bezier(0.45, 0, 0.2, 1);
  }


  .intercom-lightweight-app-launcher:focus {
    outline: none;

    
  }

  .intercom-lightweight-app-launcher-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    position: absolute;
    top: 0;
    left: 0;
    width: 48px;
    height: 48px;
    transition: transform 100ms linear, opacity 80ms linear;
  }

  .intercom-lightweight-app-launcher-icon-open {
    
        opacity: 1;
        transform: rotate(0deg) scale(1);
      
  }

  .intercom-lightweight-app-launcher-icon-open svg {
    width: 24px;
    height: 24px;
  }

  .intercom-lightweight-app-launcher-icon-open svg path {
    fill: undefined;
  }

  .intercom-lightweight-app-launcher-icon-self-serve {
    
        opacity: 1;
        transform: rotate(0deg) scale(1);
      
  }

  .intercom-lightweight-app-launcher-icon-self-serve svg {
    height: 44px;
  }

  .intercom-lightweight-app-launcher-icon-self-serve svg path {
    fill: undefined;
  }

  .intercom-lightweight-app-launcher-custom-icon-open {
    max-height: 24px;
    max-width: 24px;

    
        opacity: 1;
        transform: rotate(0deg) scale(1);
      
  }

  .intercom-lightweight-app-launcher-icon-minimize {
    
        opacity: 0;
        transform: rotate(-60deg) scale(0);
      
  }

  .intercom-lightweight-app-launcher-icon-minimize svg path {
    fill: undefined;
  }

  .intercom-lightweight-app-messenger {
    position: fixed;
    z-index: 2147483003;
    overflow: hidden;
    background-color: white;
    animation: intercom-lightweight-app-messenger 250ms cubic-bezier(0, 1, 1, 1);
    transform-origin: bottom right;

    
        width: 400px;
        height: calc(100% - 40px);
        max-height: 704px;
        min-height: 250px;
        right: 20px;
        bottom: 20px;
        box-shadow: 0 5px 40px rgba(0,0,0,0.16);
      

    border-radius: 16px;
  }

  .intercom-lightweight-app-messenger-header {
    height: 64px;
    border-bottom: none;
    background: undefined

    
  }

  .intercom-lightweight-app-messenger-footer{
    position:absolute;
    bottom:0;
    width: 100%;
    height: 80px;
    background: #fff;
    font-size: 14px;
    line-height: 21px;
    border-top: 1px solid rgba(0, 0, 0, 0.05);
    box-shadow: 0px 0px 25px rgba(0, 0, 0, 0.05);
    
  }

  @media print {
    .intercom-lightweight-app {
      display: none;
    }
  }
</style></div></body></html>