F&G Quantum℠ indexed universal life (IUL)

Forever life insurance your clients can secure right now

Middle-aged man with arms crossed

Offer permanent life insurance at Quantum speed

When it comes to safeguarding your family’s future, delaying even a day longer than necessary to make it happen is one day too many. Why should anyone have to wait?

With F&G QuantumSM Indexed Universal Life (IUL) Insurance and InstApproval® underwriting1, your clients no longer have to wait. Apply online today, get an immediate coverage decision, and if approved, your clients could have life insurance in-force in a matter of days.

No medical exam. No invasive interview. No waiting and wondering.

CLIENT

Applies online

F&G

Instantly completes underwriting, determines insurability and custom pricing

CLIENT

If approved, they agree to the terms

F&G

Issues the policy, and your client is covered for life

How Quantum can help with retirement and estate planning

As a key part of
retirement planning...

Quantum provides tax-efficient growth potential and allows clients to withdraw or borrow money from the surrender value for unexpected – or planned – expenses.

As a key part of
estate planning...

Quantum death benefits help protect the people who depend on your clients financially. Clients can get early access to their death benefit in the event of a chronic, critical or terminal illness.

You won't find another carrier able to offer coverage this good this quickly

1

Apply online in minutes

 

2

Get an InstApproval® decision1

3

Coverage in place in days

(with electronic payment of first premium)

Is F&G Quantum℠ a fit for your client?

The F&G Quantum℠ application automatically determines if your client is a fit for this innovative product. Applying has never been quicker or easier. 

What makes an ideal Quantum client?

Quantum clients are typically going to be younger and healthier than the average life insurance applicant. The product is available through age 60, so those 61 and up should apply for another product instead. While the typical Quantum applicant is between 40 and 55, it can also be a great fit for juvenile cases.

Download our pre-screen brochure for a more in-depth assessment, and explore the product underwriting guide for more detail.

F&G Quantum pre-screen brochure

View the brochure

F&G Quantum underwriting guide

Explore the guide

F&G Benefit Dial®

With help from the F&G Benefit Dial®, you can quickly discover your clients’ primary concerns, discuss how Quantum or another product from F&G can help and recommend solutions to fit their needs.

Spin the DialClick on the different dial options to discover more about each.

LegacyProtect your family – IUL can help your dreams for your family become a reality even after you’re gone.

LegacyPay off your mortgage – IUL proceeds can help pay off your mortgage so your family is able to stay in your family home after you’re gone.

LegacyProtect your spouse – IUL can protect your spouse who’s relying on your income to live the life you’ve dreamed of building together.

LegacyProtect your child – IUL can protect your child in two ways – by protecting them in case you’re gone or by protecting them directly with a policy of their own that can be used to help pay for college and stay with them for life if they choose to continue payments.

AspirationsSee the world – Additional tax-efficient savings in an IUL can help make your aspirations a reality. Travel, explore, go on adventures – whatever your dreams look like.

AspirationsSpoil the grandkids – Additional tax-efficient savings in an IUL can help make your aspirations a reality. Visit the kids and grandkids, spend quality time with them, and maybe even spoil them a little.

AspirationsRelax in retirement – Additional tax-efficient savings in an IUL can help make your aspirations a reality. Whether poolside at home, in a hammock in the woods or kicked back in your recliner, make the most of leisurely days you’ve worked hard to earn.

AspirationsPay for college – IUL can be used to pay for college or other big purchases. Through policy loans, you’re not limited in how you spend the money you borrow against your cash value. Help pay for a wedding, buy a vacation home or that fancy sports car you’ve always wanted. The possibilities are endless.

LivingHelp with chronic illness – IUL lets you tap into your death benefit while you’re living in the event of a qualifying chronic illness or impairment that impacts two of six activities of daily living. Among many other conditions, this covers cognitive impairment such as Alzheimer’s disease and other forms of dementia.

LivingHelp with terminal illness – IUL lets you tap into your death benefit while you’re living in the event of a qualifying terminal illness. If life expectancy is under 24 months, you can immediately access up to 100% of your death benefit.

LivingHelp with critical illness – IUL lets you tap into your death benefit while you’re living in the event of a qualifying critical illness. Access up to 100% of your policy's death benefit for conditions such as heart attack, stroke, cancer, an organ transplant, amyotrophic lateral sclerosis (ALS), aka Lou Gehrig’s disease, and more.

LivingHelp with medical bills or anything else – In times of crisis, having access to additional money from an IUL can help you focus on your health and the people that matter most to you. Even better, those funds are yours to use however you see fit – to help with medical bills, in-home care, therapy – or simply enjoying time with your friends and family.

For financial professional use only. Not for use with the general public.

ADV5048 (02-2024)
23-1835

1 InstApproval® is an underwriting process and is not available to all applicants. Those who qualify for InstApproval®, as determined by an initial questionnaire, are considered low-risk in all critical underwriting categories, and no additional risks can be uncovered in an instant search of online records databases. If risks are found, traditional underwriting may be required, and placement in another Indexed Universal Life (IUL) product may be more appropriate. Same-week coverage requires electronic payment (ACH) of initial premium at time of application.

“F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.

Subject to state availability. Certain restrictions may apply. Optional provisions and riders have limitations, restrictions and additional charges.

Information provided regarding tax or estate planning should not be considered tax or legal advice. Clients should consult their own tax professional or attorney regarding their unique situation.

Surrenders, withdrawals and loans will reduce available death benefit and may be subject to surrender charges. Surrenders and withdrawals beyond basis may be taxable income and subject to penalties if taken prior to age 59 ½. Excessive and unpaid loans will reduce policy values and may cause the policy to lapse. In order to receive favorable tax treatments on distributions made during the lifetime of the insured (including loans), a life insurance policy must satisfy a 7-pay premium limitation during the first seven policy years. A new 7-year limitation will be imposed after certain policy changes. Failure to satisfy this limitation would cause your policy to be considered a Modified Endowment Contract (MEC).

Policy issuance may be dependent on answers to the health questions on the application.