What is Life Insurance?

Life Insurance is a sum payment either on the death of the insured person, or after a set period. There are many types of life insurance and solutions that Pinnacle Financial Services makes available for their partner agents and agencies.

Final Expense

Simplified Issued Whole life insurance. Geared toward the 65 and older market place with smaller face amounts typically $5,000 to $25,000. These types of policies are not fully underwritten but rather quick issue with no parameds or aps’. True guarantee issue plans are available.

Single Premium Final Expense

Simplified Issue permanent life insurance available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay up a life insurance plan to help pay for burial expense and pass on wealth tax free. Geared towards the 60 and over market due to its simplified issue underwriting. No parameds or aps’ required.

Whole Life

Permanent life insurance with cash growth. Typically not as flexible as Universal Life insurance. Premiums must be paid for designated time frame at issue which can be lifetime, 10 pay, 20 pay, to age 65 pay.

Universal Life

Flexible premium life insurance that can be structured to meet the goals and budgets of clients. Cash value is an option with Universal Life. Premium payments can be structured from one year to lifetime.

Indexed Universal Life

Similar in nature to traditional Universal Life Insurance. The biggest difference is how cash growth is accumulated. Instead of a stated interest rate cash grows based on the performance of a market index such as the S&P 500.

Term Life

Covers the client for a term typically 10 to 30 years. It does not build up any cash value. It is typically sold as cheap death benefit needed for a specific period of time.

Life Insurance with Long-Term Care & Chronic/Critical Illness Waivers

Change the way you and your clients think about life insurance. Life Insurance for the living gives clients flexibility and cash when needed most during times of illness.

John Hancock Non-Med E-App Platform

John Hancock is pleased to introduce their new eTicket Program and ExpressTrack Underwriting Program.

eTicket Features Available for Single-Term Products


Producer need only complete a small amount of info on their client and we will call the client to complete the full application via a tele-interview.


All required forms are incorporated in eTicket and no upfront signatures required.


We will provide NB statuses through the fulfillment process so the producer and firm will always know what is happening on the case.


ExpressTrack Features


Available for clients 18-60 rated Standard or better on face amounts of $1 Million or less.


If the case is qualified for ExpressTrack, it could be approved in as little as 3 days resulting.


If the Proposed Insured does not qualify for ExpressTrack, the case will automatically continue to traditional underwriting.


Term Life Mobile Quoting Tool


  1. Click the button below.
  2. Once the quote engine is opened you can save an icon on your mobile device by clicking add to home screen.
  3. Make sure you wait till the icon loads before you click the add button.
  4. You are set to go. You can now click on the icon on your device whenever you need to use it.


  1. Click the button below.
  2. Once at the homepage, clicked menu on the bottom of android phone and selected ‘Bookmark’ for the site.
  3. Once the bookmarked site is selected, another set of options will appear at the bottom of the screen.
  4. Click on this icon-this will bookmark the site.
  5. You will be asked if you want to change the name of the bookmark to something more simple-it’s defaulted to ‘Mobile Quote – powered by iPipeline.
  6. If you want to keep the name like it is, then just select ‘Ok’ and you are finished.

Contact Us

Contact a Pinnacle Financial Service representative today for assistance.