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Assurity
Illinois Mutual
MoOmaha
I'm a life insurance agent looking to get a LTD policy. Of the 3 companies mentioned above which one would you recommend and why?
Thank you!
Assurity
Illinois Mutual
MoOmaha
I'm a life insurance agent looking to get a LTD policy. Of the 3 companies mentioned above which one would you recommend and why?
Thank you!
They don't care that you're doing face to face sales. An insurance agent is a pretty easily defined occupation class. I was given a Class 4 when I bought my Guardian policy a few years ago, can get a Class 5 with income over $100k, 5 years in the business, and a designation like CLU/ChFC/CFP/MDRT/etc.
Assurity is also going to split the benefit amount between total disability and SSDI rider, which sucks when you can get a true own occ definition with one of the better companies on the full benefit amount.
To give you an example of Job Title vs. Job Duties. I recently had a BOE case for a group of engineers who Guardian nor any other carrier on the market would cover.
Normally an engineer is a Class 4 or Class 3 with every carrier. But because of their Job Duties, they were a decline with everyone but Lloyds.
He's a class 4, Scagnt83. There is no reason for any insurance agent, regardless of their daily activities, to take a policy that relies on a social supplement.
Even if he was a lower class, DI is not a price based sale as you know. OP needs a plan to cover his income, regardless of other factors.