Rebecca Wayne

Insurance Sales Representative

BANKERS LIFE AND CASUALTY COMPANY

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Articles & News recommended by Rebecca Wayne

Help Control Where You Receive Care with Long-Term Care Insurance

3/6/20

Long-term care requires significant assets, so many people turn to long-term care insurance. Find out how it can help you control where you receive care.

READ MORE

How the SECURE Act Affects Your IRAs

2/20/20

You’ve probably heard about the SECURE Act, but you may not be sure if and how it affects you personally. The reality is, the Setting Every Community up for Retirement Enhancement Act of 2019, (SECURE Act), affects every single American who’s saving for retirement.

READ MORE

5 Ways to Prepare Your Home for Aging in Place

2/6/20

Many Baby Boomers want to age in place or stay in their own homes as they get older. Here are some ways to help prepare your home for aging in place.

READ MORE

What is Life Insurance?

7/22/19

Many Americans lack understanding about life insurance. Check out our guide to learn all about the different types and find out if it’s right for you.

READ MORE

Annuities for Retirement

5/1/19

A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!

READ MORE

14 Medicare Terms to Know

4/16/19

Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.

READ MORE

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Featured Videos

Do you have six months’ worth saved of living expenses?
Use life insurance to help protect your family’s future.

Do you have six months’ worth saved of living expenses? Use life insurance to help protect your family’s future.

View this video on YouTube

Featured Videos

Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits...
Read MoreClick to expand this description and continue reading

Life insurance that pays benefits while you’re living?
Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.
Read LessClick to collapse this description

Life insurance that pays benefits while you’re living? Beyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.

View this video on YouTube

Featured Videos

Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!

Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!

View this video on YouTube

Featured Videos

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insu...
Read MoreClick to expand this description and continue reading

Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.
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Find out how life insurance can be an important aspect of retirement planning. Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.

View this video on YouTube

Featured Videos

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life a...
Read MoreClick to expand this description and continue reading

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.
Read LessClick to collapse this description

Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.

View this video on YouTube

Featured Videos

Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.

Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.

About Bankers Life

Strength in numbers
The Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.

Extensive product portfolio
As you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.

Service you can trust
Our agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.

Community involvement
Bankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.

bankerslife.com

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Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"2045","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Rebecca Walters","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. In our video you will learn how a Bankers Life agent can help you make your important insurance decisions.","youtubeId":"VRKF32I7v8o"},{"description":"Bankers Life and Casualty Company clients Rick and Jan Tshudy of Palmyra, Pennsylvania share their story about choosing critical illness insurance.","youtubeId":"Acsjj0a-M1I"}],"Pages URL":"https://agents.bankerslife.com/nc/charlotte/10706-sikes-pl/rebecca-walters","Parts of Medicare":null,"Profile Type":[],"Recognition Banner":null,"Recognition Date":null,"Recognition Text":null,"Reporting Office":null,"Reviews CTA":null,"Service Area City":null,"Service Area State":null,"State License Numbers":null,"Table":null,"Table Description":null,"Table Disclaimer":null,"Table Heading":null,"Territory":null,"Title":null,"Videos":null},"description":"With a history dating back to 1879, Bankers Life provides a broad selection of life insurance and health insurance products designed especially for Americans who are near or in retirement. 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Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. 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Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"2045","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":null,"Pages - Agent information section header":"Meet Tianna Gwathney","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. It provides long-term, permanent life insurance coverage plus more!","youtubeId":"jDdA2kC0a_w"},{"description":"Find out how life insurance can be an important aspect of retirement planning.  Learn about the different types of life insurance and why life insurance is important for everyone, no matter their age.","youtubeId":"jOk9Eoo2yWg"},{"description":"Let our knowledgeable agents help take some of the confusion out of Medicare Supplement insurance. 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The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). 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The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. 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The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. 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The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":"W096273","Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. 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The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. They can show you how to help safeguard against unexpected health costs, generate guaranteed income, protect your loved ones and promote an enduring legacy.\n\n\u003cstrong\u003eCommunity involvement\u003c/strong\u003e\nBankers Life is proud to support the Alzheimer’s Association® and Meals on Wheels Chicago, two outstanding community partners that share our commitment to causes affecting our customers and their families.","Pages - Agent About Section Link":"https://www.bankerslife.com","Pages - Agent About Section Link Text":"bankerslife.com","Pages - Agent About Section Title":"About Bankers Life","Pages - Agent About section photo":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":223,"url":"//dynl.mktgcdn.com/p/acFfnvbuheK1VrC08pYWlQ2iploCch8GXBDF9Vi7aGM/196x223.png","width":196}]},"Pages - Agent Bankers Life Designations":null,"Pages - Agent Business Philosophy":null,"Pages - Agent CTA 1 Text":"Request an Appointment","Pages - Agent CTA 2 Text":"Get a quote","Pages - Agent Community Involvement":null,"Pages - Agent Coursework":null,"Pages - Agent Education":null,"Pages - Agent Event Section Title":null,"Pages - Agent FA Designations":null,"Pages - Agent FA Philosophy":null,"Pages - Agent Headshot":{"alternateText":"","clickthrough_url":"","description":"","details":"","sizes":[{"height":1500,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/1500x1500.jpg","width":1500},{"height":619,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/619x619.jpg","width":619},{"height":450,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/450x450.jpg","width":450},{"height":195,"url":"//dynl.mktgcdn.com/p/TeoOdw9NrqMKhuKYFNFnvLo2H2ZGsCEeDNSfo671IXg/195x195.jpg","width":195}]},"Pages - Agent Insurance Designations":null,"Pages - Agent Languages":null,"Pages - Agent LinkedIn":null,"Pages - Agent Military Services":null,"Pages - Agent Products 1 Header":"Featured Insurance Products","Pages - Agent Products 1 disclosures":null,"Pages - Agent Products 2 Header":"Financial Services","Pages - Agent Products 2 disclosures":null,"Pages - Agent Quote CTA text":"Request a Free Quote","Pages - Agent Quote CTA url":null,"Pages - Agent Quote Disclaimer Text":null,"Pages - Agent Quote Form Phone text":"for more information","Pages - Agent Quote Form Title":null,"Pages - Agent Residence":null,"Pages - Agent States Licensed":null,"Pages - Agent Title":null,"Pages - Agent Title 1":"Insurance Sales Representative","Pages - Agent Title 1 Company":"BANKERS LIFE AND CASUALTY COMPANY","Pages - Agent Title 2":"Financial Representative, Bankers Life Securities, Inc.","Pages - Agent information section header":"Meet Nabil Al-Zaid","Pages - Agent other locations":null,"Pages - Agent previous work experience":null,"Pages - Agent year - FA":null,"Pages - Agent year - Insurance Agent":null,"Pages - Agent year joined":null,"Pages - FA or IAR Designation":null,"Pages - Hearsay":false,"Pages - Hearsay Workspace ID (GroupID)":null,"Pages - Notification Banner":null,"Pages - Video Section":[{"description":"Do you have six months’ worth saved of living expenses?\nUse life insurance to help protect your family’s future.","youtubeId":"2TyUYOTe2Mw"},{"description":"Life insurance that pays benefits while you’re living?\nBeyond just covering funeral expenses, certain Bankers Life policies offer living benefits, which can be used to help replace lost income or other needs.","youtubeId":"S8vb85RFTZw"},{"description":"Universal life insurance can play a vital role in your retirement strategy. 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Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"2045","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. 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Check out our guide to learn all about the different types and find out if it’s right for you.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/ntAlKhAJONpVFz3ac5S3QwYg4yHYT1pJPsZxw7f9IR8/196x108.jpg","width":196}]},{"alternateText":"family-with-retirement-annuity","clickthrough_url":"https://www.bankerslife.com/insights/personal-finance/about-annuities-for-retirement/","description":"Annuities for Retirement","details":"A retirement annuity offers a way to protect the money you’ve saved, while providing extra retirement income. Learn more on our blog!","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/z9uV75bO8GtCBR2n1v2wm_IGiIYirHBPDKaR4u09Fao/196x108.jpg","width":196}]},{"alternateText":"couples-researching-medicare","clickthrough_url":"https://www.bankerslife.com/insights/understanding-insurance/14-medicare-terms-know/","description":"14 Medicare Terms to Know","details":"Studies show many pre-Medicare adults have low confidence in their ability to understand insurance terms. Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"2045","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. 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Here’s a glossary of Medicare words to know.","sizes":[{"height":465,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/843x465.jpg","width":843},{"height":341,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/619x341.jpg","width":619},{"height":330,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/600x330.jpg","width":600},{"height":108,"url":"//dynl.mktgcdn.com/p/XY8ooMpc1PLBV-3kcTB0r6LbUChZ52HuF8LZG-9Z6Cc/196x108.jpg","width":196}]}],"Associated Locations":null,"Benefits":null,"Branch Email":null,"Branch ID":"2045","Branch Name":null,"Branch-Agent linked location":null,"Business Name Field":null,"CA License Number":null,"Comparison":null,"Contract Date":null,"Core CTA text":null,"Direct Dial Phone Number":null,"Exempt from Agent ETL":null,"Exempt from ETL":null,"FAQ Answer 4":"Bankers Life offers life insurance, Medicare supplement insurance and Medicare Advantage insurance, long-term care insurance, supplemental health insurance, as well as annuity products.","FAQ Answer 5":"Call us at \u003ca href=\"tel:888-991-4225\"\u003e(888) 991-4225\u003c/a\u003e, or submit a request via our \u003ca href=\"https://www.bankerslife.com/contact-us/get-a-quote/\"\u003ewebsite\u003c/a\u003e.","FAQ Answer 6":"An annuity is a financial vehicle designed to help you accumulate money for retirement or turn your retirement savings into an income stream.","FAQ Answer 7":"If someone depends on you financially, you likely need life insurance.  The proceeds of life insurance can be used for any purpose.  Life insurance beneficiaries can use the money to pay for final expenses, replace lost income, pay off a mortgage or other debts, fund a child’s education and more.","FAQ Answer 8":"Long-term care is the type of assistance people need when they can no longer perform some or all basic activities of daily living (ADLs) which can include eating, bathing, continence, dressing, toileting and transferring (that is, moving in or out of a bed, chair or wheelchair).  Long-term care needs typically arise as part of the normal aging process, but they also can be due to an injury or illness, such as multiple sclerosis, stroke or rheumatoid arthritis, or due to a cognitive impairment like Alzheimer’s disease. Medicare may not cover many of these costs associated with aging.","FAQ Question 4":"What insurance products do you offer?","FAQ Question 5":"How do I obtain an insurance quote?","FAQ Question 6":"What is an annuity?","FAQ Question 7":"Who needs life insurance?","FAQ Question 8":"What is long-term care insurance?","FAQs":null,"FL License Number":null,"Featured Products CTA URL":null,"Featured Products CTA text":"Get a Quote","Financial Representative":null,"Footer Disclosure":"Check the background of our firm with FINRA’s BrokerCheck. Visit \u003ca href=\"https://brokercheck.finra.org/\"\u003ebrokercheck.org\u003c/a\u003e.\n\nMedicare Supplement insurance policies are underwritten by Colonial Penn Life Insurance Company. COLONIAL PENN, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE US GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.\n\nPolicies may have limitations and exclusions. For costs and complete details of coverage, contact the agent/producer.\n\nThese products and their features and riders may not be available in all states. Bankers Life and Casualty Company is not licensed in and does not solicit business in New York.\n\nThis is an insurance solicitation. A licensed insurance agent/producer may contact you.\n\nBankers Life is a marketing brand of various subsidiaries of CNO Financial Group, Inc., including Bankers Life Securities, Inc., Bankers Life Advisory Services, Inc., Bankers Life and Casualty Company and select policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.\n\nNon-affiliated insurance products are offered through Bankers Life Securities General Agency, Inc. (dba BL General Insurance Agency, Inc., AK, AL, CA, NV, PA). Securities and variable annuity products and services are offered by \u003cstrong class=\"Footer-text--underline\"\u003eBankers Life Securities, Inc\u003c/strong\u003e. Member \u003ca href=\"http://www.finra.org/\"\u003eFINRA\u003c/a\u003e/\u003ca href=\"https://www.sipc.org/\"\u003eSIPC\u003c/a\u003e, (dba BL Securities, Inc., AL, GA, IA, IL, MI, NV, PA).  Advisory products and services are offered by Bankers Life Advisory Services, Inc. SEC Registered Investment Adviser (dba BL Advisory Services, Inc., AL, GA, IA, MT, NV, PA). \u003cstrong\u003eInvestments are: Not Guaranteed—Involve Risk—May Lose Value\u003c/strong\u003e. Home Office: 111 East Wacker Drive, Suite 1900, Chicago, IL 60601 Bankers Life Securities Customer Call Center: (844) 553-9083.\n\nMedicare Supplement insurance underwritten by Colonial Penn Life Insurance Company. All other lines of insurance are underwritten by Bankers Life and Casualty Company.    \n\nBankers Life Financial Representatives (FR) and Investment Advisors (IA) may not be authorized to conduct business or provide investment services in every state and jurisdiction. Before an FR and/or IA is permitted to open a client account or provide investment services, we determine if the FR and/or IA is appropriately authorized to provide such services in the state where the client is located.","GMB tracking tag":null,"Geomodifier":null,"Hero Image":null,"Hero Image SAP":null,"Hero Text":null,"Investment Advisor":null,"Licensed In":null,"Linked Entities":null,"Location Page Meta Description":null,"Location Page Meta Title":null,"Location Photo":null,"Locator Zip Codes":[],"Medicare Description":null,"NM License Number":null,"Pages - Agent About Section Description":"\u003cstrong\u003eStrength in numbers\u003c/strong\u003e\nThe Bankers Life agent force ranks among the top in the nation, with more than 4,200 dedicated agents in more than 260 sales offices. In 2018, we served more than 1.5 million policyholders and managed over $17 billion in assets.\n\n\u003cstrong\u003eExtensive product portfolio\u003c/strong\u003e\nAs you enter and navigate retirement, Bankers Life will be by your side every step of the way, helping to protect your financial security. Our extensive product portfolio includes life insurance, supplemental health insurance and annuities.\n\n\u003cstrong\u003eService you can trust\u003c/strong\u003e\nOur agents live in the communities they serve and travel to clients’ homes and businesses. 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