52 yr old smoker for term

[goillini52]

Only $66 more a month and easy to work with. Simple Eapp and issued in a few days - non med.

But they could buy a great DVH plan with that extra $66 a month Tom.

 

[tikibarrister]

Only $66 more a month and easy to work with. Simple Eapp and issued in a few days - non med.

$66 a month would pay for his smokes

 

[sman]

Only $66 more a month and easy to work with. Simple Eapp and issued in a few days - non med.

I prefer to do what's best for the client and not what's easiest for me. If there was a scenario where the client expressed his/her desire to not have an exam and he/she was presented with the lowest cost option and Assurity and they chose Assurity, so be it. But they would definitely know there is a lower cost option from the start.

 

[pfg1]

Only $66 more a month and easy to work with. Simple Eapp and issued in a few days - non med.

Translation: I get paid on 25-30% more premium and faster

 

[pfg1]

View attachment 7279
First page of the quote, started with the lowest premium. should be able to give you an idea. Some carriers care about tobacco some do not care that much.

Can you tell me what software you used to generate that quote?

 

[TG-Terry]

Can you tell me what software you used to generate that quote?

It's a company-developed web tool for our agents, It does require a login credential. Just in case if you want to check it out, here is the link: Home

 

[myinsurebiz]

Translation: I get paid on 25-30% more premium and faster

Actually - not.

I have limited carriers in the Non-Med Term space. Assurity is my best priced. AmAm and RNA are my other choices and they are higher.

 

[pfg1]

Actually - not.

I have limited carriers in the Non-Med Term space. Assurity is my best priced. AmAm and RNA are my other choices and they are higher.

Why go non-med? It just costs the client alot more. I get that some folks need that, but imo alot more don't, and could go through full u/w and get a much better policy.

Many agents want the fast and higher comp. I'm dealing with that now, a client that could have gone trad u/w, but was instead sold an FE type policy 10 years ago by an agent that didn't want to do the work. Now he's stuck... and his policy sucks a$$

 

[myinsurebiz]

Why go non-med? It just costs the client alot more. I get that some folks need that, but imo alot more don't, and could go through full u/w and get a much better policy.

Many agents want the fast and higher comp. I'm dealing with that now, a client that could have gone trad u/w, but was instead sold an FE type policy 10 years ago by an agent that didn't want to do the work. Now he's stuck... and his policy sucks a$$

I don't deal with u/w clients. If someone wants that - I refer out to a friend at NYL.

 

[pfg1]

I don't deal with u/w clients. If someone wants that - I refer out to a friend at NYL.

No worries, its your business...

So back to my first comment:

Translation: I get paid on 25-30% more premium and faster