Autistic 25 Yr Old

[HoosierLife]

I am not an FE agent so I was really only talking to Newby Niche- Very competitive GUL. Non Med >65 >$250,000.00 goes down to $25,000.00. Non med term > $400,000.00 (I think) Preferred, Standard and Rated. Eapp with almost instant approval. Fastest I have had was about 5 minutes after hitting enter.

Does Sagicors product have a child rider? How's the UW on the child rider?

BTW, I spoke to Assurity. Very minimal UW. It may be the way I go. Thanks!

 

[lifelic1979]

Really!? I'm surprised of the minimal uw with Assurity. They were a hassle for me.
I don't think the GUL has a child's rider. Personally, I've never attempted to include a child's rider on their policy.
They do have excellent rates on the GU for children, so I like to promote a policy on each when I'm in that situation.

Does Sagicors product have a child rider? How's the UW on the child rider?

BTW, I spoke to Assurity. Very minimal UW. It may be the way I go. Thanks!

 

[HoosierLife]

Really!? I'm surprised of the minimal uw with Assurity. They were a hassle for me. I don't think the GUL has a child's rider. Personally, I've never attempted to include a child's rider on their policy. They do have excellent rates on the GU for children, so I like to promote a policy on each when I'm in that situation.

Yeah for Assurity's child rider, they ask about cancer, heart and any diagnostic testing recommended or waiting for results. That's it.

That is for the non med 350 term product. Haven't looked at the UL, but I would assume it's similar.

 

[WinoBlues]

Does Sagicors product have a child rider? How's the UW on the child rider?

BTW, I spoke to Assurity. Very minimal UW. It may be the way I go. Thanks!

Por Nada - For a young couple with a large need check out the term on each parent with the $5,000 cld rider on each.

Sagicor's child rider is not approved in CA So I am not sure.

 

[lifelic1979]

I've never written a GUL over 100,000. I thought the non-med went up to 350,000, but Winoblues said 250,000.
The app is the same for the GUL and term. I've written plenty of both, so I know what I am talking about there.
The comp is higher using the e-app, so naturally, that is what I do.

Yeah for Assurity's child rider, they ask about cancer, heart and any diagnostic testing recommended or waiting for results. That's it.

That is for the non med 350 term product. Haven't looked at the UL, but I would assume it's similar.

 

[peteybear]

Sagicor under age 65 is under $250k for the Gul and under $400k for the term. They only have 20 yr level term and the thing all need to be careful of is any lapse within 6 months is 100% commission pull back and from 6-12 months 50%

 

[jdeasy]

Have Settlers? have her sign the app with a mark.. can even let the mother hold her hand.. Columbian is not ridiculously expensive when compared to the fact she can't get any coverage with most companies.

Funny you should mention that. The 2 settlers I wrote 2 weeks ago that are still pending were supposedly "perfect" candidates for settlers because of some mental issues. That's what I was told anyway.

Call in for the mother to do the phone interview for the 2 boys. Both over age 25 so that shouldn't be an issue with settlers. The girl that answered said she had never heard of allowing someone else to do the interview. I told her that I had been told it was OK. She wanted to know why they couldn't do their own interviews.

I told her they had mental issues. She said "like mentally retarded?". Of course we are on speaker and the mother says, 'yes, they are". She handled it much beter than I would have.

The girl has to go talk to a supervisor to see if she can allow the mother to do the interviews. She's gone for a while and then gets back on the phone and says she couldn't get confirmation that it was OK to do the interviews that way but she would go ahead and do them.

We get through the interviews. I faxed them in that night.

Was two weeks yesterday. Haven't heard a word on them since.

 

[Mattschmidt]

ignore peteybear. He doesn't believe in Santa Clause.

 

[Gooner]

Funny you should mention that. The 2 settlers I wrote 2 weeks ago that are still pending were supposedly "perfect" candidates for settlers because of some mental issues. That's what I was told anyway. Call in for the mother to do the phone interview for the 2 boys. Both over age 25 so that shouldn't be an issue with settlers. The girl that answered said she had never heard of allowing someone else to do the interview. I told her that I had been told it was OK. She wanted to know why they couldn't do their own interviews. I told her they had mental issues. She said "like mentally retarded?". Of course we are on speaker and the mother says, 'yes, they are". She handled it much beter than I would have. The girl has to go talk to a supervisor to see if she can allow the mother to do the interviews. She's gone for a while and then gets back on the phone and says she couldn't get confirmation that it was OK to do the interviews that way but she would go ahead and do them. We get through the interviews. I faxed them in that night. Was two weeks yesterday. Haven't heard a word on them since.

The perfect FE company???

 

[jdeasy]

The perfect FE company???

For those 2 mentally challenged applicants. That's supposedly "perfect" for them.