Cancer Plans??

[xrac]

I would have repeated your entire post rather than the last line because I really appreciate what you wrote. I am looking to divert some of my time to selling CI and perhaps I should have a cancer plan available as well.

You've convinced me that I need both. A CI policy would certainly cover more conditions but I'm worried about "cancer in situ" that might reduce the amount payable to 10% of the face amount. (As I said, I don't know enough about this). I assume a cancer policy paying a lump sum has no such restriction?

Maybe I should just talk to Nick as I know he and the www.iliaa.org have done webinars on this subject. I guess I could have listened in to what my partner had to say!

Rick

Can anyone say what is a good cancer plan and what is a good comission rate first year and renewals. I sold some cancer with AIL a few years ago but not since.

 

[supersupps]

omg such self promotion with ilaa.. can i please get a free membership?

 

[JimmyUt]

I bought a critical illness plan for myself because both my parents and older sister had cancer. I never looked at a stand alone plan, but most C.I. policies would not touch me because of family history. I would be interested in a cancer only plan that does not look at family history. Any suggestions?

 

[WinoBlues]

I wrote it on myself 2 yrs ago. First occurance lump sum cash plan.

Speedy recovery.

Photo copy of the diagnosis and the check would be a strong close.

 

[GreenSky]

omg such self promotion with ilaa.. can i please get a free membership?

We'd be happy to but not sure if we could teach you anything. After all, you are the "go-to" guy in CA for damn near everything.

Rick

 

[rousemark]

I bought a critical illness plan for myself because both my parents and older sister had cancer. I never looked at a stand alone plan, but most C.I. policies would not touch me because of family history. I would be interested in a cancer only plan that does not look at family history. Any suggestions?

Cancer only plans normally only have two questions.. HIV/Aids or Internal Cancer (usually Last 10 years) They do not ask about family history..

EL&C has a small expense incurred plan. CUL has both expense incurred and lump sum plans.. There are lots of other companies that have cancer plans.
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Recovering from surgery now. I'm hoping to be back in the feild in June. I going to be pushing the hell out of cancer plans when I'm back.

Hang in there.. It gets better as you go along. Are you having any other treatment.. chemo/ radiation?
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Can anyone say what is a good cancer plan and what is a good comission rate first year and renewals. I sold some cancer with AIL a few years ago but not since.

1st year should be in the 60% -65% range .. Lifetime vested renewals 12% -17%

 

[JimmyUt]

Is that Central United Life?

 

[WinoBlues]

Cancer only plans normally only have two questions.. HIV/Aids or Internal Cancer (usually Last 10 years) They do not ask about family history..

EL&C has a small expense incurred plan. CUL has both expense incurred and lump sum plans.. There are lots of other companies that have cancer plans.
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Hang in there.. It gets better as you go along. Are you having any other treatment.. chemo/ radiation?
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1st year should be in the 60% -65% range .. Lifetime vested renewals 12% -17%

Sorry if this has already been asked. What are the different types of pay outs? Pros and cons?

Thanks for the knowledge you bring to the forum.
Lee

 

[rousemark]

Is that Central United Life?

Yes.. .

 

[xrac]

Yes.. .

Would you go direct or use a IMO on cancer plans?