Your top 2- instant decision//voice signature application carriers?

[jdeasy]

So if KSKJ were not available in the states you work in,who would be your go to company?

No idea. KSKJ is available so I don't concern myself with the what ifs.

 

[noah]

No idea. KSKJ is available so I don't concern myself with the what ifs.

Well we do know it wouldn’t be Senior Life

 

[jdeasy]

Well we do know it wouldn’t be Senior Life

They don’t have anything to offer.

FEX picked them up a couple years ago. Their top guy came on one of our calls. He told a completely different story about their products and processes than what one guy tells here.

I don’t think it lasted even one year. Almost no one wrote then. They have no association with FEX today.

 

[rousemark]

They do take heavy blood thinners,no home health question,chronic pain meds,diabetic neuropathy level though.

Do you believe the combination of these risks along with the obesity produces contestable claims ?

Standard Life and Casualty will take diabetic neuropathy at a whole lot cheaper premium.

 

[DonP]

Standard Life and Casualty will take diabetic neuropathy at a whole lot cheaper premium.

Yes but they won’t take anyone on DI and that’s 85% of who we deal with . Plus their strict on a lot of other ailments .

 

[noah]

They don’t have anything to offer.

FEX picked them up a couple years ago. Their top guy came on one of our calls. He told a completely different story about their products and processes than what one guy tells here.

I don’t think it lasted even one year. Almost no one wrote then. They have no association with FEX today.

Yes but they won’t take anyone on DI and that’s 85% of who we deal with . Plus their strict on a lot of other ailments .

DI ?

Disability ?

 

[DonP]

Yes

 

[noah]

They don’t have anything to offer.

FEX picked them up a couple years ago. Their top guy came on one of our calls. He told a completely different story about their products and processes than what one guy tells here.

I don’t think it lasted even one year. Almost no one wrote then. They have no association with FEX today.

Overpriced junk wasn’t a good fit at FEX ?
80% contracts?

Greg seems to believe they’re competitive?

 

[jdeasy]

Overpriced junk wasn’t a good fit at FEX ?
80% contracts?

Greg seems to believe they’re competitive?

I can’t remember for sure but the contract became an issue. I want to say they were offing 110%? Maybe more?

But it turned out they expected a certain level of production to maintain that and when it wasn’t happening they lowered it to maybe 90%?

I may be off on the numbers but it became the issue.

I never contracted so I’m not sure on the details. I told them it would fail and it did.

 

[jdeasy]

Yes but they won’t take anyone on DI and that’s 85% of who we deal with . Plus their strict on a lot of other ailments .

I don’t track stuff like that. But I’m sure it’s no where near 85% for me.

But there’s a lot of people on DI in the FE arena.

Isn’t it only for under age 65 where DI is an issue.

I’ve only written 1 SLAC ever.