Insurance Agent Forum - Life Insurance Forum http://www.insurance-forums.net/forum » Get answers to all of your life insurance questions.» Post your comments about life insurance products, usages, companies, marketing strategies and experiences. en Fri, 20 Nov 2009 20:51:01 GMT vBulletin 120 http://www.insurance-forums.net/forum/images/misc/rss.jpg Insurance Agent Forum - Life Insurance Forum http://www.insurance-forums.net/forum 30 Yrs Term Companies http://www.insurance-forums.net/forum/30-yrs-term-companies-thread16233.html Tue, 17 Nov 2009 02:49:48 GMT I am contracted with Ohio National (great co) but... I am contracted with Ohio National (great co) but they don't have what I need right now. Husband and wife, 34 and 35 yrs old, good health, 1 or 1.5 mil coverage each, 30 yrs term policies, best price, good rating co., convertibility not a priority, but if there, okay. They currently have two policies with AIG, 30 yrs term but paying too much.

I checked term4sale and I see who has the good prices but I just don't know much about the companies and how to choose one since they are not consistent in price for both clients.

I am in Los Angeles area. Also, I don't know of a good GA... if you could suggest someone I'd appreciate.

Thank you! I have learned a lot from you guys over time! ]]> Life Insurance Forum newtoo http://www.insurance-forums.net/forum/30-yrs-term-companies-thread16233.html Longest Term on a 69 Year Old... http://www.insurance-forums.net/forum/longest-term-69-year-old-thread16194.html Sat, 14 Nov 2009 21:17:25 GMT I don't normally write life, but when one drops in your lap why pass it up! What is the longest term available on a $500K + policy for a healthy 69 year old and what carriers are suggested? ]]> Life Insurance Forum Tampa Teddy http://www.insurance-forums.net/forum/longest-term-69-year-old-thread16194.html Max Face Amount on Child http://www.insurance-forums.net/forum/max-face-amount-child-thread16187.html Sat, 14 Nov 2009 18:19:09 GMT A buddy who is going through a divorce wants to... A buddy who is going through a divorce wants to buy life insurance on his daughter. He posed an odd question. What is the maximum FA a carrier will write on a child?

I have no idea, but speculated maybe $50k.

I have no reason to believe some harm will come to the child and no idea why he posed the question. So, how much?

He is going in the military soon and asked about life insurance on himself. I suggested the SGLI but would like some insight on that as well. ]]> Life Insurance Forum somarco http://www.insurance-forums.net/forum/max-face-amount-child-thread16187.html E-financial http://www.insurance-forums.net/forum/e-financial-thread16184.html Sat, 14 Nov 2009 04:21:40 GMT Vicki Gunvalson has brought E-FINANCIAL to light... Vicki Gunvalson has brought E-FINANCIAL to light for me as of late. I have been wondering if there are successful agents on here currently w/ E-FINANCIAL and if so how easy/hard is it to get a commitment from people with no face-to-face contact to follow through w/ a blood/urine if need be or just to sign the dotted line where needed? Are the leads E-FINANCIAL produces of quality? Are the contracts generous? I'm wondering what the ROI is for an average E-FINANCIAL agent and/or a GOOD E-FINANCIAL agent. I have talked to a couple of agents selling 3-5 policies a day w/ E-FINANCIAL on a regular basis BUT what they fail to tell me when asked, is how many leads did it take to make those sales...INQUIRING MINDS WANT TO KNOW! ]]> Life Insurance Forum TEXAS PITBULL http://www.insurance-forums.net/forum/e-financial-thread16184.html John Hancock Contract http://www.insurance-forums.net/forum/john-hancock-contract-thread16181.html Sat, 14 Nov 2009 00:37:53 GMT I'm looking for a contract with John Hancock.

Anybody got one or want to point me in the right direction?

You can PM me here or email to dcf9723@gmail.com. ]]> Life Insurance Forum David C http://www.insurance-forums.net/forum/john-hancock-contract-thread16181.html Reputable? Whole Life with Northwestern Mutual... http://www.insurance-forums.net/forum/reputable-whole-life-northwestern-mutual-thread16167.html Fri, 13 Nov 2009 16:21:15 GMT Hi everyone. I am about to open a whole life... Hi everyone. I am about to open a whole life policy with Northwestern Mutual Life Insurance Company.

I think the interest is around 6.-something.

Are all whole life companies going to be about the same return?

My plan is to over-fund the acct.

So is this place as good as any other?

Thanks much

Mx
 ]]> Life Insurance Forum mx_599 http://www.insurance-forums.net/forum/reputable-whole-life-northwestern-mutual-thread16167.html Sun Life Financial http://www.insurance-forums.net/forum/sun-life-financial-thread16122.html Wed, 11 Nov 2009 19:21:15 GMT Has anyone purchase their product before? Are... Has anyone purchase their product before? Are they a well known company (i never heard of them before)? Any suggestion regarding them would help. ]]> Life Insurance Forum green_105_green http://www.insurance-forums.net/forum/sun-life-financial-thread16122.html Mortgage Insurance http://www.insurance-forums.net/forum/mortgage-insurance-thread16117.html Wed, 11 Nov 2009 17:16:28 GMT Do any of you sell mortgage insurance? For those... Do any of you sell mortgage insurance? For those of you that do, what companies do you use? Is it profitable?

Any other advice would be great!

Thanks! ]]> Life Insurance Forum Powder http://www.insurance-forums.net/forum/mortgage-insurance-thread16117.html <![CDATA[True Guaranteed Issued - Over 80 & Under 40]]> http://www.insurance-forums.net/forum/true-guaranteed-issued-over-80-under-40-a-thread16106.html Wed, 11 Nov 2009 02:51:10 GMT Hi all. I am new to the forum. Been in FE... Hi all. I am new to the forum. Been in FE market now just under 3 years. Spent quite a few hours sifting through topics and looking at companies and what not. At the end of the day....did not find a clear answer to my quandry. I have 2 different cases I am looking for my clients. I ma having trouble finding a FE policy for either one due to health concerns and age requirements.

Case #1
82 YO Male NT who is on oxygen and has had heart issues in the past.

Case #2
25 YO Male NT who has neurological disorders, autism to the point he cannot do a phone interview, nor sign his own name. Mother has POA and signs his documents. But he does all his other ADL.

Can you recommend any companies or products to write them with?

Thanks!
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Quote:
Originally Posted by Kgrambo (Post 202789)
Hi all. I am new to the forum. Been in FE market now just under 3 years. Spent quite a few hours sifting through topics and looking at companies and what not. At the end of the day....did not find a clear answer to my quandry. I have 2 different cases I am looking for my clients. I ma having trouble finding a FE policy for either one due to health concerns and age requirements.

Case #1
82 YO Male NT who is on oxygen and has had heart issues in the past.

Case #2
25 YO Male NT who has neurological disorders, autism to the point he cannot do a phone interview, nor sign his own name. Mother has POA and signs his documents. But he does all his other ADL.

Can you recommend any companies or products to write them with?

Thanks!
Sorry - Both cases are in Ohio ]]> Life Insurance Forum Kgrambo http://www.insurance-forums.net/forum/true-guaranteed-issued-over-80-under-40-a-thread16106.html <![CDATA[Genworth's New TermUL]]> http://www.insurance-forums.net/forum/genworths-new-termul-thread16101.html Wed, 11 Nov 2009 01:52:28 GMT Anyone seen this yet? Does not look... Anyone seen this yet?

Does not look convertible.
Also, my guess is that the commissions will be at UL rate as opposed to term rates.

Pulling their Colony and Sure term on monday. Not sure which states. This is all per an email from Crump. ]]> Life Insurance Forum WinoBlues http://www.insurance-forums.net/forum/genworths-new-termul-thread16101.html Bank On Yourself - Pamella Yellen http://www.insurance-forums.net/forum/bank-yourself-pamella-yellen-thread16093.html Wed, 11 Nov 2009 00:47:32 GMT Has anyone read the book Bank on Yourself by... Has anyone read the book Bank on Yourself by Pamella Yellen? If so, is it worth a read? I have seen mixed opinions on blogs concerning it's strategy and would like to know if anyone has any thoughts on it.
Thanks ]]> Life Insurance Forum scrabble http://www.insurance-forums.net/forum/bank-yourself-pamella-yellen-thread16093.html Help, How Do I Retrieve EKG Results http://www.insurance-forums.net/forum/help-how-do-i-retrieve-ekg-results-thread16083.html Tue, 10 Nov 2009 22:34:35 GMT Please help me, My client has done 6 different... Please help me,

My client has done 6 different EKGs blood/urine paramed with other carriers and different agents. Finally, I came in last and offered John Hancock whole life and she likes that best.

She cannot stand doing another test, how do I retrieve EKG and paramed? I called portamedic and they said they cannot forward EKG or paramed to John Hancock, only blood and urine.

Can I call Genworth to fax results to me? I have a feeling I would lose this sale if she has to do another test.

Thanks,
Kyle ]]> Life Insurance Forum legitxeris http://www.insurance-forums.net/forum/help-how-do-i-retrieve-ekg-results-thread16083.html