Pilcher Insurance Agency believes that work should fuel your dreams and ambitions, not prohibit them. We are looking for coachable, career-minded individuals with a positive attitude who have the desire to succeed.
Agents just like you are working from home or in an office selling insurance products over the telephone through our in-house lead program. It makes sense. No more time spent looking through the windshield. No more wasting money on exorbitant gas prices. In fact, you never have to leave your home or office again.
We have opportunities for agents at all levels. Whether you are new to the insurance industry or a seasoned agent, someone who likes working from the home, office, or someone who works in the field, we have an opportunity for you.
Pilcher Insurance Agency has a vision to be the leader in Final Expense Telesales. Pilcher Insurance Agency believes it presents an opportunity that is life altering. This opportunity could be the financial breakthrough that you have been waiting for. Our Telesales opportunity could bring forth a lifestyle change for both you and your family. Pilcher Insurance Agency prides itself on providing in-house training from seasoned sales professionals. We are currently selling and representing a Ga based Life Insurance Company approved in 40 states and growing.
Immediate Benefit Plans
Super Preferred Whole Life
This product is offered to people ages 40 to 80 who have no health issues and who have not used tobacco or nicotine products in the past 5 years. We offer this whole life coverage at very reasonable premiums that have a face amount range of $5,000 to $30,000. Features of this plan include:
For non-tobacco users (within the past 5 years)
Full benefit from date policy is issued
Issue ages 40 to 80
Minimum face amount of $5,000
Maximum face amount of $30,000
Optional Accidental Death Benefit Rider available
Preferred Whole Life
This product provides protection for qualifying individuals ages 0 to 80 with minor health issues and who have not used tobacco or nicotine products in the past twelve months. The face amount range of $1,000 to $20,000 is sure to fit everyone’s needs. Features of this plan include:
For non-tobacco users (within the past 12 months)
Full benefit from date policy is issued
Issue ages 0 to 80
Minimum face amount of $1,000
Maximum face amount of $20,000
Optional Accidental Death Benefit Rider available
10 Pay Preferred 5% Growth Whole Life
This product is offered to people ages 40 to 85 who have minor health issues and who have not used tobacco or nicotine products in the past 12 months. We offer this whole life product with a face amount range of $1,000 to $5,000. The benefit of this product is that it increases by 5% of the face amount each year after the first year. Another advantage of owning this plan is that you pay premiums for 10 years, and afterwards, you never have to pay another premium and the policy remains in force. The features of this plan include:
Increasing benefit
Issue ages 40 to 85
Minimum face amount of $1,000
Maximum face amount of $5,000
Standard Whole Life
This is our most popular product we offer because so many people qualify for this plan. We insure people ages 0 to 85 with face amounts of $1,000 to $20,000. Features of this plan include:
Issue ages 0 to 85
Full benefit from date policy is issued
Minimum face amount of $1,000
Maximum face amount of $20,000 up to age 80, $10,000 from ages 81 to 85
Optional Accidental Death Benefit Rider available
20 Pay Standard Whole Life
This product is popular for younger people ages 0 to 60. This product offers coverage of $1,000 to $20,000 and is paid up in twenty years. At the end of year 20, the policy is paid-up and you never have to pay another premium. The features of this plan include:
Full benefit from date policy is issued
Issue ages 0 to 60
Minimum face amount of $1,000
Maximum face amount of $20,000
Optional Accidental Death Benefit Rider available
Joint First-To-Die Standard Whole Life
This product is ideal for people between 40 to 85 who live in the same household and desire an immediate benefit for the first to die. Insuring two people at one affordable price is an attractive feature. Upon the death of the first insured and before the survivor insured's 86th birthday, the survivor insured has 60 days to purchase an immediate benefit plan at the survivor insured's attained age and no health questions are asked. The face amount range is $1,000 to $20,000. The maximum face amount is $20,000 for ages 40 to 80 and $10,000 for ages 81 to 85. The features of this plan include:
Full benefit from date policy is issued
Issue ages 40 to 85
Minimum face amount of $1,000
Maximum face amount of $20,000 up to age 80; $10,000 from ages 81 to 85
Optional Accidental Death Benefit Rider available
Return of Premium Term Life Insurance
Protection for our customer’s family if the unexpected does happen. The cash benefit can be used to pay funeral expenses, medical bills, or any other expense that is incurred.
It protects your loved ones from having to pay your debt. If you pass away while the policy is in-force, the face amount is here to protect your family with the coverage amount you purchased. If you outlive the 20 year term of your policy, you will receive back all of your premiums that you paid in 100%*.
Full benefit from date policy is issued
Issue ages 20 to 60
Minimum face amount of 10,000
Maximum face amount of 50,000
Limited Benefit Plans
Modified Whole Life
We offer this product to people who have moderate health conditions. This limited benefit plan features a return of premiums plus 10% during the first two years of coverage. We offer this product to people ages 40 – 85 with face amounts of $1,000 to $15,000. The features of this plan include:
Issue ages 40 to 85
Minimum face amount of $1,000
Maximum face amount of $15,000
Benefit is 110% of premiums paid within first two years, full face amount thereafter for natural death
Optional Accidental Death Benefit Rider available
Easy Issue Whole Life
This product insures people ages 0 – 85. Only a couple of questions are asked to ensure greater eligibility for those with significant health conditions. The face amounts are $1,000 to $10,000. This limited benefit plan features a return of premium plus 10% during the first three years of coverage. The features of this plan include:
Issue ages 0 to 85
Minimum face amount of $1,000
Maximum face amount of $10,000
Benefit is 110% of premiums paid within first three years, full face amount thereafter for natural death
Optional Accidental Death Benefit Rider available
Graded Whole Life
This product is offered to people in Missouri and Arkansas with moderate health conditions. Face amounts currently range from $1,000 to $10,000. This product’s benefit is 50% face amount for first year claims, 75% face amount for second year claims, and then full face amount thereafter. The features of this plan include:
For Missouri
Issue ages 76 to 85
Minimum face amount of $1,000
Maximum face amount of $10,000
Year 1: 50% of face amount
Year 2: 75% of face amount
Year 3: full face amount
For Arkansas
Issue ages 40 to 85
Minimum face amount of $1,000
Maximum face amount of $10,000
Year 1: 50% of face amount
Year 2: 75% of face amount
Year 3: full face amount
Guaranteed Issue Whole Life
This product features no health questions. This policy is guaranteed to anyone without regard to health conditions. This product insures people ages 0 – 85. The face amounts range from $1,000 to $10,000 and benefits are 110% of premiums paid for the first three years and then the full face amount the fourth year and thereafter. This plan is currently only available in the State of North Carolina. The features of this plan include:
Issue ages 0 to 85
Minimum face amount of $1,000
Maximum face amount of $10,000
Benefit is 110% of premiums paid within first three years, full face amount thereafter for natural death
Optional Accidental Death Benefit Rider available
