Bypass 6 Moths Ago Type 2 Diabetic

[jdeasy]

To be fair Non-Tobacco Eagle Premier rates typically beat Trans Standard by $8-12/month.


Which provides more coverage

ROP + 10% 1st year
40% 2nd year
100% 3rd year


25% 1st Yr
50% 2nd Yr
100% after
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I can only assume he doesn't have a carrier that's only in 17 states.

KSKJ Life proudly serves the following states:

Arizona
Arkansas
California
Colorado
Connecticut
Washington, D.C.
Iowa
Illinois
Indiana
Kansas
Kentucky
Michigan
Minnesota
Mississippi
Ohio
Pennsylvania
Tennessee
Wisconsin

I didn't say anything about the rates of Americo. I said I wouldn't write it.

I would write the KSKJ modified. More coverage sooner at a much better rate. Win all the way around.

If I was in a state, God forbid, that didn't offer KSKJ I would recommend MoO's GI and then follow up in 6 months.

 

[Baseball7]

KSKJ doesn't provide more coverage sooner. Writing Eagle in 6 months provides the best shot at a level benefit, and still don't understand how you walk away from GI biz (money).

 

[dtownboy]

I didn't say anything about the rates of Americo. I said I wouldn't write it.

I would write the KSKJ modified. More coverage sooner at a much better rate. Win all the way around.

If I was in a state, God forbid, that didn't offer KSKJ I would recommend MoO's GI and then follow up in 6 months.

I understand the huge savings in rate but I am lost on how it is more coverage sooner.

Using 10k as example

Year 1
Balt sg2 $2500
Kskj. Atmost if death in month 12 $703.98

Year 2
Balt sg2 $5000
Kskj $4000

Year 3
Balt sg2 $10000
Kskj $10000

But knowing the case would be rewritten in 6 months anyways for level coverage year 2 and 3 don't really matter

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KSKJ doesn't provide more coverage sooner. Writing Eagle in 6 months provides the best shot at a level benefit, and still don't understand how you walk away from GI biz (money).

Writing them eagle you have to hope they were not prescribed a blood thinner in connection with their bypass since those are a no go on eagle

 

[bboman23]

I understand the huge savings in rate but I am lost on how it is more coverage sooner.

Using 10k as example

Year 1
Balt sg2 $2500
Kskj. Atmost if death in month 12 $703.98

Year 2
Balt sg2 $5000
Kskj $4000

Year 3
Balt sg2 $10000
Kskj $10000

But knowing the case would be rewritten in 6 months anyways for level coverage year 2 and 3 don't really matter

----------

Writing them eagle you have to hope they were not prescribed a blood thinner in connection with their bypass since those are a no go on eagle

Too many numbers in this post for a Missiseepeian to reed.

 

[jdeasy]

KSKJ doesn't provide more coverage sooner. Writing Eagle in 6 months provides the best shot at a level benefit, and still don't understand how you walk away from GI biz (money).

For the premium it does. And I don't care about your business philosophy. Why do you care about mine? But I don't think I walk from money.

I suppose one could say the same thing because I don't write MA plans? In fact, I have heard that preposterous nonsense.

You are not the first to care that I don't write GI. I don't care that others write GI. I still don't understand why someone cares.

 

[goillini52]

I think baseball was referring to the op might not be appointed with kskj since they aren't taking new agents unless that has recently changed

Oh, ok.

Newby said he has a few openings for KSKJ.

 

[Baseball7]

"Writing them eagle you have to hope they were not prescribed a blood thinner in connection with their bypass since those are a no go on eagle"

Eagle will take thinners that's 1st fill was more then one year ago, usually.

 

[dtownboy]

"Writing them eagle you have to hope they were not prescribed a blood thinner in connection with their bypass since those are a no go on eagle"

Eagle will take thinners that's 1st fill was more then one year ago, usually.

Not according to they med list it states files in last 12 months

 

[Baseball7]

I've had that conversation with underwriting and they were confident in saying the rules engine looks at first Fill. In fact have had several blood thinner clients go through without a problem.

 

[Mattschmidt]

Oh, ok.

Newby said he has a few openings for KSKJ.

lots of IMO's have few openings