--- title: My client wants to protect her family in case of premature death description: When your client is the breadwinner for their family, their death could mean financial hardship or ruin for their family. A term life insurance policy can provide an income to cover their mortgage, loans, education, and other bills their family would be faced with. image: https://www.newhorizonsmktg.com/images/NewsImages/medsupp-cross-sell-term.jpg --- [![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg)](https://www.newhorizonsmktg.com/) - [Home Home](https://www.newhorizonsmktg.com/) - Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) Agents Agents [Why Us?](https://www.newhorizonsmktg.com/why-new-horizons)[Become an Agent](https://www.newhorizonsmktg.com/become-an-agent)[Sell Your Book](https://www.newhorizonsmktg.com/sell-your-book-of-business)[Support](https://www.newhorizonsmktg.com/support)[Technology & Tools](https://www.newhorizonsmktg.com/tools-technology) - Products Products [Medicare Supplement](https://www.newhorizonsmktg.com/products/medicare-supplements)[Medicare Advantage](https://www.newhorizonsmktg.com/products/medicare-advantage)[Life Insurance](https://www.newhorizonsmktg.com/products/life-insurance)[Final Expense](https://www.newhorizonsmktg.com/products/final-expense-insurance)[Annuities](https://www.newhorizonsmktg.com/products/annuities)[Cancer / Critical Illness Insurance](https://www.newhorizonsmktg.com/products/cancer-insurance)[Dental, Vision, Hearing Insurance](https://www.newhorizonsmktg.com/products/dental-vision-hearing-insurance)[Short-Term Care Insurance](https://www.newhorizonsmktg.com/products/short-term-recovery-care)[Long-Term Care Insurance](https://www.newhorizonsmktg.com/products/long-term-care-insurance)[Hospital Indemnity Insurance](https://www.newhorizonsmktg.com/products/hospital-indemnity-insurance)[Accident Insurance](https://www.newhorizonsmktg.com/products/accident-insurance)[Prescription Drug Plans](https://www.newhorizonsmktg.com/products/prescription-drug-plans)[All Products By Carrier](https://www.newhorizonsmktg.com/carriers) Products Products [Medicare Supplement](https://www.newhorizonsmktg.com/products/medicare-supplements)[Medicare Advantage](https://www.newhorizonsmktg.com/products/medicare-advantage)[Life Insurance](https://www.newhorizonsmktg.com/products/life-insurance)[Final Expense](https://www.newhorizonsmktg.com/products/final-expense-insurance)[Annuities](https://www.newhorizonsmktg.com/products/annuities)[Cancer / Critical Illness Insurance](https://www.newhorizonsmktg.com/products/cancer-insurance)[Dental, Vision, Hearing Insurance](https://www.newhorizonsmktg.com/products/dental-vision-hearing-insurance)[Short-Term Care Insurance](https://www.newhorizonsmktg.com/products/short-term-recovery-care)[Long-Term Care Insurance](https://www.newhorizonsmktg.com/products/long-term-care-insurance)[Hospital Indemnity Insurance](https://www.newhorizonsmktg.com/products/hospital-indemnity-insurance)[Accident Insurance](https://www.newhorizonsmktg.com/products/accident-insurance)[Prescription Drug Plans](https://www.newhorizonsmktg.com/products/prescription-drug-plans)[All Products By Carrier](https://www.newhorizonsmktg.com/carriers) - Training Training [Webinar Calendar](https://www.newhorizonsmktg.com/training/webinars)[Medicare Supplement Training Hub](https://www.newhorizonsmktg.com/training/medicare-supplement)[Medicare Advantage Training Hub](https://www.newhorizonsmktg.com/training/medicare-advantage)[Life Insurance Training Hub](https://www.newhorizonsmktg.com/training/life-insurance)[Annuity Training Hub](https://www.newhorizonsmktg.com/training/annuities)[Short-Term Care Training Hub](https://www.newhorizonsmktg.com/training/short-term-care)[Additional Training & Tips Sheets](https://www.newhorizonsmktg.com/training/additional-training) Training Training [Webinar Calendar](https://www.newhorizonsmktg.com/training/webinars)[Medicare Supplement Training Hub](https://www.newhorizonsmktg.com/training/medicare-supplement)[Medicare Advantage Training Hub](https://www.newhorizonsmktg.com/training/medicare-advantage)[Life Insurance Training Hub](https://www.newhorizonsmktg.com/training/life-insurance)[Annuity Training Hub](https://www.newhorizonsmktg.com/training/annuities)[Short-Term Care Training Hub](https://www.newhorizonsmktg.com/training/short-term-care)[Additional Training & Tips Sheets](https://www.newhorizonsmktg.com/training/additional-training) - Resources Resources [Announcements](https://www.newhorizonsmktg.com/announcements)[Blog](https://blog.newhorizonsmktg.com)[Marketing Materials](https://www.newhorizonsmktg.com/marketing-materials)[Perpetuation Planning](https://www.newhorizonsmktg.com/perpetuation-planning)[Newsletter](https://www.newhorizonsmktg.com/newsletter) Resources Resources [Announcements](https://www.newhorizonsmktg.com/announcements)[Blog](https://blog.newhorizonsmktg.com)[Marketing Materials](https://www.newhorizonsmktg.com/marketing-materials)[Perpetuation Planning](https://www.newhorizonsmktg.com/perpetuation-planning)[Newsletter](https://www.newhorizonsmktg.com/newsletter) - About About [About New Horizons](https://www.newhorizonsmktg.com/about-us)[Meet the Team](https://www.newhorizonsmktg.com/team) About About [About New Horizons](https://www.newhorizonsmktg.com/about-us)[Meet the Team](https://www.newhorizonsmktg.com/team) - [Contact Contact](https://www.newhorizonsmktg.com/contact) [Sign In Sign In](https://www.newhorizonsmktg.com/login) Jason [Agent Dashboard](https://blog.newhorizonsmktg.com/dashboard)[Account Settings](https://blog.newhorizonsmktg.com/account-settings)Sign Out November 25, 2014 · [Kirk Sarff](https://blog.newhorizonsmktg.com/author/kirk-sarff) # My client wants to protect her family in case of premature death ![Med Supp Cross Selling](https://www.newhorizonsmktg.com/images/NewsImages/medsupp-cross-sell-term.jpg) [![Med Supp Cross Selling](https://www.newhorizonsmktg.com/images/NewsImages/medsupp-cross-sell-term.jpg)](https://www.newhorizonsmktg.com/news/med-supp-cross-selling-cheat-sheet) When your client is the breadwinner for their family, their death could mean financial hardship or ruin for their family. A term life insurance policy can provide an income to cover their mortgage, loans, education, and other bills their family would be faced with. Your client can have maximum protection with minimal premiums. ### Example Case Here's a female, age 45, in the Preferred Best Non-Tobacco health class in Illinois. She wants a $500,000 policy, with a 20-year term, to be paid monthly. | American General | AG Select-A-Term | Preferred Plus Nontobacco | **$41.91** | | --- | --- | --- | --- | | #### **20-Year Term Comparison**\* | | | | | Banner Life | OPTerm 20 | Preferred Plus Non-Tobacco | **$42.00** | | Transamerica | Trendsetter Super | Preferred Plus | **$42.00** | | Genworth | Colony Term | Preferred Best No Nicotine Use | **$42.44** | | Lincoln National | LifeElements (20 yrs) 2013 | Preferred Plus NonTobacco | **$42.44** | | Cincinnati Life | LifeHorizons Termsetter 20 | Super Select + | **$45.76** | | Prudential | Term Essential 20 | Preferred Best Non Smoker | **$52.20** | | John Hancock | John Hancock Term 20 | Super Preferred Non-Smoke | **$53.25** | \*Rates as of 11/23/2014 **Contact us for a quote and contracting!** ![Med Supp Cross-Selling Cheat Sheet](https://www.newhorizonsmktg.com/CatalystImages/Literature/pdf.png) [Download Med Supp Cross-Selling Cheat Sheet](https://www.newhorizonsmktg.com/pdf/med-supp-cross-selling.pdf) [Life Insurance](https://blog.newhorizonsmktg.com/tag/life-insurance) ## Comments ## Read On [![](https://blog.newhorizonsmktg.com/hubfs/BlogImages/NH_Ascendo_Jeff.png)](https://blog.newhorizonsmktg.com/accendo-cvs-health-medicare-supplement-is-here4687) ### [Accendo / CVS Health Medicare Supplement Is Here!](https://blog.newhorizonsmktg.com/accendo-cvs-health-medicare-supplement-is-here4687) Accendo Insurance Company (ACC), part of the CVS Health family of companies and an Aetna affiliate,... [![31 Best Questions to Ask Life Insurance Prospects Ages 60+](https://blog.newhorizonsmktg.com/hubfs/BlogImages/NH-31-Best-Questions-to-Ask-Life-Insurance-Prospects-Ages-60+.jpg)](https://blog.newhorizonsmktg.com/31-questions-to-ask-life-insurance-prospects-ages-60-plus) ### [31 Best Questions to Ask Life Insurance Prospects Ages 60+](https://blog.newhorizonsmktg.com/31-questions-to-ask-life-insurance-prospects-ages-60-plus) Life insurance is not only a great way to increase your income, but it's a wonderful solution for... [![10 Medicare Advantage Appointment Tips to Keep You Compliant](https://blog.newhorizonsmktg.com/hubfs/BlogImages/NH-10-Medicare-Advantage-Appointment-Tips-to-Keep-You-Compliant.jpg)](https://blog.newhorizonsmktg.com/medicare-advantage-appointments-101-how-to-stay-compliant2984) ### [10 Medicare Advantage Appointment Tips to Keep You Compliant](https://blog.newhorizonsmktg.com/medicare-advantage-appointments-101-how-to-stay-compliant2984) Updated April 4, 2024 Learning about Medicare Advantage compliance and actually selling a plan to a... This website is for agent use only. Not for public use or distribution. ![](https://cdn.prod.website-files.com/6978e65abed067e994e8d3ed/697926babf20ddeb2d4ff972_64c7ba8d78ae605d730bbe060cf878ba_NewHorizons-White-Tag.svg) New Horizons Insurance Marketing 122 W. Prairie Ave. Suite 200 Decatur, IL 62523 Phone: [888-780-7676](tel:+1-888-780-7676) #### Navigation - [Home](https://www.newhorizonsmktg.com/) - [Agents](https://www.newhorizonsmktg.com/agents) - [Products](https://www.newhorizonsmktg.com/product-lines) - [Training](https://www.newhorizonsmktg.com/training) - [Resources](https://www.newhorizonsmktg.com/resources) - [Blog & Updates](https://blog.newhorizonsmktg.com/) - [About](https://www.newhorizonsmktg.com/about-us) - [Contact](https://www.newhorizonsmktg.com/contact) #### Social - - - - [Privacy](https://www.integrity.com/privacy-policy) - [Terms of Service](https://www.newhorizonsmktg.com/terms) - [Do Not Sell My Information](https://submit-irm.trustarc.com/services/validation/d14968e7-edec-4831-b5f2-c494567844f6) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Kirk Sarff", "url" : "https://blog.newhorizonsmktg.com/author/kirk-sarff" }, "dateModified" : "2018-10-25T16:09:26.691Z", "datePublished" : "2014-11-25T17:09:00.000Z", "headline" : "My client wants to protect her family in case of premature death", "mainEntityOfPage" : { "@id" : "https://blog.newhorizonsmktg.com/my-client-wants-to-protect-her-family-in-case-of-premature-death", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.newhorizonsmktg.com/hubfs/NHIM-Logo-transp.png" }, "name" : "New Horizons Insurance Marketing, Inc." } } ```