To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.

This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.

Delta Dental Quoting

Employer contribution entered in Dental Contribution under Group Information affects the Delta Dental plans and rates returned. Please be aware that Delta Dental will require groups with 100% employer contribution to have 100% participation.

If you need assistance, please contact our Quotes team at or 800.696.4543.

Login To Prism

NAIFA Will G. Farrell Award & Leadership Recognition Event

NAIFA Will G. Farrell Award & Leadership Recognition Event

Date: February 18, 2021
Time: 11:30 am to 1:30 pm PST
Place: Online
Cost: $15 NAIFA Members and The Society of FSP, $20 Guests

Keynote Speaker, Ramona Neal, CLU, ChFC, SLTC, REBC

The Good And The Bad Of The #1 Trend In The Life Insurance Industry: Chronic Illness Riders

What You Don’t Know Can Hurt You And Your Clients. 

Agenda Includes:

  • How living benefit solutions (Hybrids, Chronic illness, Critical Illness, and LTC riders) have revolutionized the life insurance industry and have grown to become the #1 trend in the last 15 yrs (In 2019, per LIMRA, these accounted for 30% of all individual life premiums).
  • LTC Life insurance solutions continuum: understanding the differences (some offer rich benefits and are deemed qualified LTC with the ability to extend beyond the death benefit, some are riders on life insurance with the potential to only accelerate a fraction of the death benefit).
  • Difference between LTC riders and Chronic Illness Riders.
  • Difference between Chronic Illness riders and Critical Illness riders.
  • Difference between Chronic Illness riders with monthly charges vs Chronic Illness riders with charge and benefit amount determined at acceleration;
  • Risks: (a) pending precedent-setting litigation (b) lack of regulations and no agreed upon standardizations on disclosure from insurers, and (c) naming convention.
  • Teach them how to fish: how to know what you already sold and what you are currently selling?
  • Moving forward – best practices for insurers and insurance professionals: (a) illustrations should reflect how widely accelerated benefits can vary ($) based on age and severity of the condition, (b) need fair & balanced examples in advisor/consumer literature that are not cherry-picked to maximize payouts, and (c) disclosure of pertinent non-guaranteed elements such as the right for an insurer to reduce benefit amount or the requirement for the condition to be permanent or the fact that only facility care is covered;
  • Important: all the riders are good riders. The problem isn’t the riders. The problem is – are we adequately disclosing how they work?

To learn more visit or contact NAIFA-Los Angeles Executive Director, Janet Fishman, at or 213.500.4946.

Register Now!