FreeAgent007
New Member
- 6
Right now I'm contracted with 4 different carriers: Mutual of Omaha, AIG/Corebridge, Prosperity and Senior Life.
I use insurance toolkits and notice that for most diseases/conditions that trigger a 2-year contestibility type of plan - it triggers it across all the different carriers that I sell. For probably 90% or more of the conditions I've run into, it triggers 2 year wait for all carriers.
How do you offset this to find a carrier without a 2 year wait? Are there certain carriers you know reliably are more permissive than most carriers? I figured the carriers I have represent a pretty good spread of probably "typical" approval standards. Are there carriers that stand out that you use that are kind of different and more permissive?
I use insurance toolkits and notice that for most diseases/conditions that trigger a 2-year contestibility type of plan - it triggers it across all the different carriers that I sell. For probably 90% or more of the conditions I've run into, it triggers 2 year wait for all carriers.
How do you offset this to find a carrier without a 2 year wait? Are there certain carriers you know reliably are more permissive than most carriers? I figured the carriers I have represent a pretty good spread of probably "typical" approval standards. Are there carriers that stand out that you use that are kind of different and more permissive?