Which Company Offers the Best WL Rate

The_Scholar · 09-09-2009, 06:31 PM

Which company/ies offers the best rate for individual that are in between 40 and 70, with little to no underwriting, and fast response? I have a market for it, since these people dont really do checkup and are afraid of it...and most importantly of all they dont really believed in western medicine or western medical practice.

jdeasy · 09-09-2009, 07:41 PM

Originally Posted by The_Scholar

Which company/ies offers the best rate for individual that are in between 40 and 70, with little to no underwriting, and fast response? I have a market for it, since these people dont really do checkup and are afraid of it...and most importantly of all they dont really believed in western medicine or western medical practice.

RNA would be the best rates.

The_Scholar · 09-09-2009, 08:29 PM

Give me a quote for a 66 years old female,good health, for $150K. Name of the company also...dont worry I wont go directly to them, I will be more than glad to be under you....only if you accept me... I have a market for these kind of people...

Note: I'm not an agent yet, but am licensed.

jdeasy · 09-09-2009, 08:55 PM

Originally Posted by The_Scholar

Give me a quote for a 66 years old female,good health, for $150K. Name of the company also...dont worry I wont go directly to them, I will be more than glad to be under you....only if you accept me... I have a market for these kind of people...

Note: I'm not an agent yet, but am licensed.

RNA is Royal neighbors of America. The best rate from them for a 66 year old female for a $150,000 whole life is $358/mo.

You wouldn't be under me. I am not a recruiter and don't want agents under me.
You could refer clients to me if they are in one of the states I'm licensed in and I would do a commission split with you, but, you could get appointed on your own and write them yourself.

There are some good IMO's for RNA right here on the forum. There's some bad ones, too. So, be careful.

bluemarlin08 · 09-09-2009, 10:20 PM

Why do you want this type of policy?

Robert Barney · 09-10-2009, 02:08 PM

Do you guys consider a no lapse UL policy, with premiums and coverage to age 121, to be a whole life policy?

If yes, then I have attached a quote for the case.

The_Scholar · 09-10-2009, 07:00 PM

Originally Posted by Robert Barney

Do you guys consider a no lapse UL policy, with premiums and coverage to age 121, to be a whole life policy?

If yes, then I have attached a quote for the case.

What does all of this mean? So the numbers are yearly premium?

Robert Barney · 09-10-2009, 11:48 PM

Originally Posted by The_Scholar

What does all of this mean? So the numbers are yearly premium?

Yes, those are the annual premiums - fully guaranteed, providing you do not miss an annual payment.