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Tailored Life Insurance Solutions for Legacy Planning in Older Age
At Continental, we understand that evaluating older-age applicants for life insurance is vastly different than assessing the younger-age risk. Our experienced partners and underwriting teams have broad and deep expertise in underwriting older-age cases. We can draw on their knowledge of the differences and specific subtleties related to older applicants to deliver the best possible outcome for our clients.
Older clients who previously could not consider using insurance as a tool for efficient legacy planning, due to limited access to solutions – may now take advantage of increased capacity for ages 71-80. These solutions provide unparalleled flexibility to older age high-net-worth clients with innovative Indexed Account options and flexible premium schedules.
Did you know that the number of older clients living in Asia (aged 65 and older) will nearly triple over the next 4 decades?
At Continental, we welcome your older-age clients and work to secure their unique financial planning requirements. We have the expertise to help you secure competitive offers and have the results to prove it. With attractive capacity, ample resources, and in-depth underwriting knowledge, we are here to help you tap into the lucrative opportunities within the older-age market.
Did you know that the average age of an ultra-high-net-worth person is now 65.7 years old?
The older-age population has specific wealth planning needs, and our industry-leading underwriting expertise can help you capitalize on the opportunities presented by this expanding market.
Our dedicated partners and their team of underwriters and medical research staff draw on years of experience and a unique combination of strengths to provide older clients with the best outcomes.
Learn more about how we can partner together to secure coverage for your clients in this growing population.
People over age 65 are a growing population in today’s world
and many of them are looking for life insurance solutions to help meet their wealth- and estate-planning needs. To help your clients, we work with progressive insurance carriers and their underwriters who can make assessments that reflect the latest medical advances and forward-thinking mortality experience. Hey also take into consideration any lifestyle modifications along with cognitive and physical activities that contribute to the maintenance of good health for your older age clients. With longevity and health span being a core focus, we are now seeing real data that our clients are living longer, healthier lives.
Our insurance partners employee dedicated medical-research staff and continual investment in research and development. ensuring we stay abreast of the factors that contribute to longevity — enabling us to identify differences and subtleties that can lead to better outcomes and cost savings for older clients.
A Modern Approach
Here are some of the Preferred classification criteria that are tailored for older-age clients — some of which include higher allowances than what we assess for younger-age clients:
- Blood pressure*
- Cholesterol*
- HDL cholesterol*
- Serum albumin
- Creatinine
- Functional
- Cognitive
- Personal history
*Treated and untreated
Let’s proactively take advantage of this opportunity and commit to providing our older-age clients with the best possible decisions.