75 F Using Oxygen

I would still look at Security National Life out of Utah. While they aren't GI, they do take oxygen and you are looking at about $101 for a 2 year ROP, and there is no 2 year chargeback issues. They are primarily a preneed company, but do offer a decent final expense product. I do not offer contracts or even care to. I can get you in touch of the guy there that can help you.

They also take the direct express card and direct bill if someone needs that as well.
 
The Vantis 18month chargeback is a definite turn-off. I use Vantis only sparingly to be honest. But, if your personal finances permit, VL wouldnt be a bad choice, especially for the customer- $84 vs. $100+ w/ same 2yr ROP! I'd take my chances personally, and get the sale!
 
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