Case Design Custom Comparison Options
The AgencyONE Case Design team’s custom comparison tools are an important resource that help AgencyONE 100 advisors present their cases clearly and efficiently – highlighting the most competitive solutions in a streamlined format. By consolidating critical information into a single, one-page presentation, these complex cases are easier for clients to understand and advisors to sell, especially when compared to reviewing multi-page illustrations. These one-page comparisons can also be printed for our advisors to use during client presentations.
This week’s article highlights the custom comparison options that are available for your next case.
Term Product Comparisons – Website Quote Engine
Our website has a self-service term quote engine that you can use anytime once you have registered and been activated to use our website. If you do not have access to the AgencyONE website, the AgencyONE case design team is happy to help with your next term case. The quote engine lets you compare carriers, death benefits, term durations, and underwriting classes.
Case Design built a $1,000,000 term quote on a 45-year-old female client and sourced 10-15-20-30 and even 40-year term options at this age, making it easy to compare premium differences based on carrier, underwriting class, and duration. This Term comparison for a 45-year-old female shows all the products and durations available from an individual carrier on one page.
As an added benefit, if you know which product you want, you can apply directly from the quote page by clicking the “Apply” button on the right as shown below.

We are happy to schedule a tutorial on how to use our website term quote engine for AgencyONE 100 advisors.
Next Level Comparisons: Permanent Products with Ensight
AgencyONE recognizes the importance of customized permanent product comparisons for their advisors in securing the right insurance solution for their clients. They use Ensight – a customizable tool that allows us to run case-specific scenarios with different product types and carriers. The resulting one-page report makes it simpler for advisors to present and sell insurance solutions effectively to their clients. The linked Ensight presentation compares IUL death benefit solutions from our top five carrier options, sorted by premium for a male client age 55. We added custom fields to show guarantee years, non-guaranteed cash values at ages 75 and 85, and death benefit IRR’s at the same ages.
An outstanding feature of the presentation allows you to open the summary of each of the underlying product illustrations (click on the red “PDF” box/ button), which saves time and effort and eliminates the need to provide five separate illustrations.
Hybrid LTC Comparisons
AgencyONE frequently uses Ensight for streamlined side-by-side comparisons of Hybrid LTC products including GUL, Death Benefit IULs, Cash Accumulation IULs, and VULs. The linked Ensight presentation shows a male 55 starting with a $5,000 monthly benefit for 6 years with a 3% compound. The report shows premium years, total benefit pools at ages 75 and 85, and monthly benefits at ages 55, 75, and 85 to reflect the compounding. Again, the red “PDF” link provides access to the underlying illustrations.
Customized Product Comparison Presentations
The AgencyONE Case Design team also provides custom comparisons that show different product types which is helpful when showing IUL and GUL scenarios on the same comparison. Simpler designs show side fund accumulation as compared to insurance sales.
- Life Insurance vs. Buy Term and Invest the Difference compares a permanent life insurance contract for someone buying a 20-year term policy and investing the difference. The left side of the presentation shows the Indexed life policy with a $4,700 premium and a $300,000 death benefit. The right side shows the 20-year term which costs $1,753. The difference of $2,947 for years 1-20 and then $4,700 ongoing is invested at 5%. This sheet also allows us to input a tax rate if needed. The last column on the right shows how much projected value will go to heirs at death. After the 20-year term expires the value at death drops to around $100,000. By age 96 (projected), the value grows beyond $300,000. The comparison clearly illustrates how buying term and investing the difference may fall short – especially if the investment is not made.
- Side Fund vs. Hybrid LTC shows a Hybrid/LTC solution with a $5,000 annual premium for 15 years on a male client age 52. The purpose of the comparison is to show how much cash the side fund will accumulate as compared to the total pool of LTC benefits available. The side fund grows the $5,000 premium cost assuming a 5% ROR (not adjusted for taxes). It shows how much the benefit pool grows over time guaranteed versus the side fund. The last column on the right shows how much more LTC benefits are available compared to the side fund. This is a simple visual that provides a compelling comparison.
These are just a few examples of the comparison tools and strategies that the AgencyONE Case Design team can deliver. They offer a wide range of additional designs, and if you need something different, they are happy to discuss your goals and create a customized solution.