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There are some cases that the premiums are very close. That's why the FEX Quoter is so handy. Any monies earned from GI business I call "Pennies from Heaven".
If it is within a couple bucks take the 20% higher commission.
Travis
What I mean is, if you run across a GI plan six months in-force that cannot be replaced with our normal repertoire with first-day coverage that's 50% higher in premium compared to what we can offer.
I remember Bash making reference to his Gerber persistency being high. My Vantis persistency has been excellent as well, long after I stopped writing it.
But both were low priced and not nearly as subject to price competition, as say this AIG product.
I wonder if pricing really matters all that much beyond a certain point as being a replacement risk?