Senior Life????????????????

[jdeasy]

I replaced an SL policy today that was recently sold by phone.

20 pay on a 46 year old female smoker.

There was not a smoking question on the application. Do they not ask tobacco on that product?

Still blew it away writing her as a smoker. $5K more coverage in a 20 pay for $1/mo less.

Still in the free look period so she gets a full refund. They did tell her she could get a nice discount on a casket.

 

[suranceman]

Senior Life, LH, Colonial Penn, Globe, AARP, Metlife

Thank God for all of them!

 

[dtownboy]

I replaced an SL policy today that was recently sold by phone.

20 pay on a 46 year old female smoker.

There was not a smoking question on the application. Do they not ask tobacco on that product?

Still blew it away writing her as a smoker. $5K more coverage in a 20 pay for $1/mo less.

Still in the free look period so she gets a full refund. They did tell her she could get a nice discount on a casket.

I guess they figured there agents just always answer it no so they should just take it off the app

 

[goillini52]

I replaced an SL policy today that was recently sold by phone.

20 pay on a 46 year old female smoker.

There was not a smoking question on the application. Do they not ask tobacco on that product?

Still blew it away writing her as a smoker. $5K more coverage in a 20 pay for $1/mo less.

Still in the free look period so she gets a full refund. They did tell her she could get a nice discount on a casket.

SL's UW Guide is on Fexqoutes and it has their 10 apps in there. SL goes back 5 years on the tobacco/nicotine product question for Super Preferred, 1 year on Preferred and 10 Pay. Of he 10 apps they show(including the 20 pay), only the Super Preferred, Preferred and 10 Pay ask about tobacco/nicotine.

It also said in their UW Guide to beware of JD.

 

[jdeasy]

SL's UW Guide is on Fexqoutes and it has their 10 apps in there. SL goes back 5 years on the tobacco/nicotine product question for Super Preferred, 1 year on Preferred and 10 Pay. Of he 10 apps they show(including the 20 pay), only the Super Preferred, Preferred and 10 Pay ask about tobacco/nicotine.

It also said in their UW Guide to beware of JD.

Ha!!

This one was written as "standard". I don't have the quoter so I can't look at the apps there.

 

[Mattschmidt]

Ha!!

This one was written as "standard". I don't have the quoter so I can't look at the apps there.

standard product rates tobacco/non tobacco same.

however, becasuse it's so expensive, usually a few carriers using tobacco rates are cheaper.

Not to mention SL now reduces their agents compensation by like 20-30% if they don't enroll client in the Legacy Assurance plan. That's an additional $3 a month

 

[goillini52]

Ha!!

This one was written as "standard". I don't have the quoter so I can't look at the apps there.

Well, you ought to get FexQoutes. What's the problem...too tight to spend $19.99 a month?

 

[rousemark]

Well, you ought to get FexQoutes. What's the problem...too tight to spend $19.99 a month?

I am sure he can find a discount codes and get in for $15.99.

 

[bboman23]

I am sure he can find a discount codes and get in for $15.99.

Thought the discount code took it from 25 to 20. You have a 15 code? Where you get that?

 

[goillini52]

I am sure he can find a discount codes and get in for $15.99.

Damn, I'm using a discount code to get it down to $19.99. Wonder if I could get that deal? I could use the extra $4.