Elite Producers Incentive Program

First 10 Applications, You Receive A $100 AMEX Card

Hit 25 Applications, You Receive Another AMEX Card For $150

Reach 50 Applications & You Receive An Additional AMEX Card For $250

Trip to Maui, Hawaii

5 nights at the Wailea Beach Resort

– 100 Apps For A Ocean View Suite

– Airfares for You and a Guest

– All Meals & Drinks, including alcoholic

Multiple beaches with palm trees and pools

Elite Producers Program

Not Just A Big Bang
At ASPECT Management we have developed an incentive program that rewards your during the whole year not just one big bang at the end. Our incentive program rewards you in stages, the more you write with ASPECT, the more rewards your receive.

Keep It Simple
Our Elite Producer Incentive program is simple, each application you write with ASPECT Management counts towards your application total. We don’t have a complex formula where points are calculated based on the product and the amount of premium you write.

No Need To Track Your Production – We Do It For You
Most marketing organizations require you to track your own production and then request the reward – not at ASPECT Management. We track all your production with us and when you reach a reward level we send it to you. You do not need to claim it or justify your production – it comes to you automatically.

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A premium is a monthly fee you pay to have medical insurance coverage. To decide your premium, insurance companies will consider: your age, where you live, whether you smoke or use tobacco and whether the coverage is for one person or a family. Premiums usually go up when the coverage is renewed to reflect your age and higher health care costs.

Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.