Gameplan Financial

InstaBrain Training Hub

Fidelity Life • Term Product Suite
Agent Training
🔐 Agent Portal Login 📂 Carrier Resource Folder

Term with Living Benefits

Full underwriting & sales guide

Pure Term Producer Guide

Fast quoting & positioning rules

Guaranteed Issue InstaBrain

GI rules, limits, and use cases

How to Use InstaBrain Effectively

Pre-screen thoroughly. If the condition appears in the knockout list below, do not submit. Use Guaranteed Issue only as a last resort.

Term with Living Benefits

Top SellerAccelerated UW
Product Specs
Issue Ages
18–60
Term Lengths
10 / 15 / 20 / 30 years
Living Benefits
Terminal & Chronic
Knockout Diagnoses — Do Not Submit
Any cancer diagnosis or treatment in the last 5 years (excluding basal/squamous skin)
Dialysis, kidney failure, or advised dialysis
Oxygen use for any condition
ALS, dementia, Alzheimer’s disease
Organ transplant (except cornea)
HIV or AIDS
Cirrhosis or end-stage liver disease
Insulin-dependent diabetes with complications
Multiple hospitalizations in the last 12 months
Any terminal illness or life expectancy under 5 years

Pure Term

Lowest Cost
Product Specs
Issue Ages
18–60
Benefit
Death benefit only
Knockout Diagnoses — Do Not Submit
Any active or recent cancer diagnosis
Heart attack, stroke, or bypass within the last 2–5 years
Congestive heart failure
Chronic lung disease or oxygen use
Uncontrolled or insulin-dependent diabetes
Kidney failure or dialysis
ALS, MS, Parkinson’s disease
HIV or AIDS
Cirrhosis or chronic liver disease
Multiple hospitalizations in the last 12 months

Guaranteed Issue Term

No Medical Questions
Product Specs
Face Amount
$25,000–$50,000
Term Length
10 years
Underwriting
No medical questions
Important Notes
Limited or graded benefit period may apply
Not designed for large face amounts
Fraud or inconsistent information will decline
⬅ Carrier Menu Home