Frequently Asked Questions

Ask the Senior Market Specialist

Why ASPECT Management?
We are looking to partner with agents and carriers interested in working together long term, and not just for one transaction. We want to know you – and we want you to know us.

What makes you different from your competitors?
We provide a strong combination of competitive products and incentives. Our portfolio of products allows agents the newest and best products available, providing them the resources to fully service their clients. Our incentives are production based, and allow agents to receive discounts on direct mail, marketing allowances, and our annual all-inclusive Elite Producers trip.

How do you Support your Agents?
Our main goal is to assist our agents so they may continue to service their current clients as well as find new ones. ASPECT Management provides:

  • Quotes for all product types
  • Training
  • Issue resolution whether product, application, or commission related

Our support team is amongst the most experienced and knowledgeable in the industry, and capable of tailoring the support to an individual agent’s needs.

How do you solve agent issues?
At ASPECT Management our goal is to help you sell more and not waste time chasing down issues with carriers. You have a problem, give it to us – it does not matter what it is, we will work for you to resolve issues. We will apply our expertise to resolve issues with pending applications, commissions, client claims, and more for you so that you can be out in the field seeing more clients and selling more.

How do you help agents with leads?
Every agent does business differently so ONE lead solution will not work for everyone. At ASPECT Management we have developed a suite of lead programs to work with the way you do business. We have lead co-op programs and marketing allowances to help pay for your lead system – the more you write the more assistance you receive.

What’s required to work with ASPECT Management?
ASPECT Management only works with independent agents and we have no minimum requirements to be part of our Incentive and Lead programs. Some of our agents only have one or two products with ASPECT Management while others have all their products through ASPECT. It is entirely up to you. We have a full range of products for the senior market to fit your client’s needs – with the top agent commissions for all products.

How do I get started?
Pick up the phone and call us at 1.866.736.0130. Our licensing and support team stand ready to assist you with our complete line of senior related products. Independent agents, brokers, and full service agencies work with us every day to meet the needs of their clients.

Have Questions? Call 866.736.0130 or
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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.