Alternatives to SNL Graded

[papercutter]

So SNL Graded is good for oxygen users. Does anybody know any alternatives to SNL if they're not in your state? Don't really want to put Ox users with Gerber because, well, its Gerber.

 

[smokin goose]

Kemper. .

 

[Life4me]

I know you don't want to hear this but LH is an option as well

 

[JimmyUt]

You could write Old American and clean sheet like a lot of the agents out here do. 1st day coverage.

 

[Life4me]

Does this practice ever catch up to the agent?

 

[sirherbie]

Are you saying LH because of clean sheeting or do they have a full comp graded like Snl?I just wrote a guy diagnosed with lung cancer. No way I write gerber with 2 yr charge back. I wrote Ngl with 100% months 1-6 and 50% months 7-12 chargeback. If they balk at the premium I walk. Its still a great deal for a terminally ill person.

 

[Life4me]

I believe both ways it can go through LH but the graded is an ROP + 10 I believe but might be wrong though

 

[sirherbie]

Whats so powerful about snl's is no chargebacks for death in the first 2 yrs

 

[TwiLight]

Standard Life and Accident Ins Co (SLAICO) has a good Graded/Modified program and may be what you are looking for with OXYGEN users.

No Chargebacks on Claims for this plan.

This is also one of the few carriers that have a direct Monthly option (As-Earned Comp).

 

[Life4me]

Standard Life and Accident Ins Co (SLAICO) has a good Graded/Modified program and may be what you are looking for with OXYGEN users. No Chargebacks on Claims for this plan. This is also one of the few carriers that have a direct Monthly option (As-Earned Comp).

How are the rates Skipper?