WinFlex Express was developed to allow you to quickly run more basic illustrations. We understand that there are times when you are looking for a quick, easy quote that does not include riders, endorsements or additional benefits. The system is available for Universal Life, Guaranteed Universal Life, Term and Single Premium Immediate Annuity (SPIA) Products.

For Universal Life and Guaranteed Universal Life, you will simply need to input:

Insured Name, Date of Birth Sex, and State
Underwriting Class
Agent Info
Solve Type
Face Amount
Annual Premium
Years to Pay
Target Cash Value

Once the input is complete, you will be able to select up to 4 products/carriers to review. WinFlex Express will generate a supplemental concept ledger and the same carrier compliance approved ledger available in WinFlex Web. Additionally, the MultiPlan side-by-side product comparison will be available. After reviewing your products, if you need to apply a carrier's riders, endorsements or additional benefits, WinFlex Express will link to the standard WinFlex Web system where these features will continue to be available.

WinFlex Express will include both individual and joint Universal Life and Guaranteed Universal Life products from the following carriers:

AIG American General
American Mayflower
AXA Equitable
Empire General
First Colony
Genworth Life Insurance Company
ING
Jefferson Pilot Financial
Lincoln Benefit Life
Lincoln Life
MetLife Investors
Mutual of Omaha - Companion Life
Mutual of Omaha - United of Omaha
Nationwide
Pacific Life
Principal Financial Group
Protective Life & Annuity (NY only)
Prudential
Sun Life
West Coast Life Ins. Co.

For Term Life, you will be asked for basic client information, death benefit/premium and premium mode. The carriers available for Term include:

American Mayflower
AXA Equitable
Empire General
First Colony
Genworth Life Insurance Company
Lincoln Benefit Life
Lincoln Life
MetLife Investors
Mutual of Omaha - Companion Life
Mutual of Omaha - United of Omaha
Protective Life & Annuity (NY only)
Prudential
West Coast Life Ins. Co.

For Single Premium Immediate Annuity (SPIA), you will be asked to enter Solve Type, Single Premium/Initial Benefit, Benefit Mode, Qualified Plan, Cost Basis, Purchase Date, Payout Option Certain Payment Date Benefit Reduction Option (Joint) and Payment to Survivor (Joint). The carriers available for Single Premium Immediate Annuity (SPIA) include:

AIG American General
Mutual of Omaha - Companion Life
Mutual of Omaha - United of Omaha
West Coast Life (Annuity Products)

You will be able to access the carriers for which you have previously been approved.

We will continue to work with carriers to provide their products through the system, in addition to adding additional product lines.