Overview

 

Get ING IUL-Protector faster and easier with Orange Pass. 

Now your clients can breeze through underwriting and fulfillment the orange way. Orange Pass is an innovative process using improved efficiencies to make your clients’ experience easier and help get them their policy faster. 

• No invasive Tests or bloodwork for your clients

• No paramed to eliminate delays

• Fewer questions on application

 

Why ING IUL-Protector 
 

Policies $500,000 or less could be issued in as little as 5 business days. 

Certain applicants may require a MVR, phone interview, APS or other additional requirements to complete underwriting. A paramed exam and lab work could be requested by an underwriter for cause, which would increase wait times. Orange Pass is only available for policies with an Initial Stated Death Benefit of $500,000 or less for issue ages 16-50 and $250,000 or less for issue ages 0-15. Not available in New York.

• Lower fixed-expense structure makes it ideal for low-funded sales 
• Multiple Guarantees 

- 0% Indexed Strategy guaranteed minimum interest rate 
- 2% policy guarantee upon surrender or death 
- 2% Fixed Strategy guaranteed minimum interest rate 

• 12% Index Cap provides opportunity for greater returns

 

 

Marketing Materials

 

Click here for more information

 

Orange Pass Agent Guide