Over 150.000 insurance professionals and consumers come to the Insurance Forum every month. Click here to register for FREE


Go Back   Insurance Forums > Insurance Agents and Brokers Forum > Indexed Universal Life Forum

Reply to Most Liberal GUL Company?     
Old 10-29-2015, 04:00 PM   #1
Super Genius
 
Join Date: Feb 2013
Posts:72
State: Scotty1980 is an Insurance Agent from Massachusetts
Most Liberal GUL Company? Most Liberal GUL Company?
I am looking for a solid company for gul only, not life. I am looking for a good back office, liberal underwriting, and and competitive pricing.

Some of the few that seem to be recommended on this site are;

-north american
-cincinatti insurance
-united heritage

Of these 3 who is your recommendation and why?
If you were to chose another company who would it be and why?
------------------------------------
  Reply With Quote to Most Liberal GUL Company?

Old 10-29-2015, 04:17 PM   #2
Guru
 
Join Date: Sep 2012
Posts:2,269
State: Tahoe Ray is an Insurance Agent from Nevada
Tahoe Ray is a member of 1000 posts VIP club
Most Liberal GUL Company? Re: Most Liberal GUL Company?
Originally Posted by Scotty1980 View Post
I am looking for a solid company for gul only, not life. I am looking for a good back office, liberal underwriting, and and competitive pricing.

Some of the few that seem to be recommended on this site are;

-north american
-cincinatti insurance
-united heritage

Of these 3 who is your recommendation and why?
If you were to chose another company who would it be and why?
I don't understand your "GUL only, not life" quote but you have to have Lincoln on this list.

Lincoln has a 3 table shave and often has the lowest standard and preferred rates out there.

Their underwriting has been a challenge (time-wise) lately but their offers are fair and their pricing is excellent.
------------------------------------
  Reply With Quote to Most Liberal GUL Company?
Old 10-29-2015, 04:37 PM   #3
Guru
WinoBlues on Most Liberal GUL Company?
 
Join Date: Jan 2009
Posts:17,226
State: WinoBlues is an Insurance Agent from Undisclosed Location
WinoBlues is a member of 5000 posts Super VIP club
Most Liberal GUL Company? Re: Most Liberal GUL Company?
Originally Posted by Scotty1980 View Post
I am looking for a solid company for gul only, not life. I am looking for a good back office, liberal underwriting, and and competitive pricing.

Some of the few that seem to be recommended on this site are;

-north american
-cincinatti insurance
-united heritage

Of these 3 who is your recommendation and why?
If you were to chose another company who would it be and why?
UH does not have a GUL.
Cincinnati is not liberal underwriting
NACOLH of those three. However, while a low cost competitor they are not liberal IMHO.

Liberal in what way? Build? Maybe Pru. Non smoker for chew and cigars? Pru and Cincinnati. Non med? Sagicor. A table shave company like Lincoln National can be very helpful.

----------

Originally Posted by Tahoe Ray View Post
I don't understand your "GUL only, not life" quote but you have to have Lincoln on this list.

Lincoln has a 3 table shave and often has the lowest standard and preferred rates out there.

Their underwriting has been a challenge (time-wise) lately but their offers are fair and their pricing is excellent.
What he said. ^^^


....................

------------------------------------
America's Sons and Daughters http://iraqwarheroes.org/

https://www.youtube.com/watch?v=Wt8y18YFH70

WinoBlues @ Gmail.com
  Reply With Quote to Most Liberal GUL Company?
Old 02-16-2017, 10:13 PM   #4
Expert
 
Join Date: Feb 2017
Posts:25
State: HGIMax is an Insurance Agent from Undisclosed Location
Most Liberal GUL Company? Re: Most Liberal GUL Company?
Have you looked at the new AIG/AGLA QoL GUL II? I haven't sold it but it looks like a decent plan.

From the product guide:
guaranteed return of premium with two built-in ROP opportunities should your clients needs change
or they no longer need coverage. The new Enhanced Surrender Value Rider provides two options for surrendering the policy and recouping paid premiums 50 percent at the end of year 20 or 100 percent at the end of year 25, capped at 40% of the policys lowest specified amount.
I like AIG's underwriting flexibility.
------------------------------------
  Reply With Quote to Most Liberal GUL Company?
Old 02-17-2017, 09:55 AM   #5
Super Genius
GalvIns on Most Liberal GUL Company?
 
Join Date: Jul 2016
Posts:107
State: GalvIns is an Insurance Agent from
Most Liberal GUL Company? Re: Most Liberal GUL Company?
The American National GUL is priced very competitively.

Here is a comparison with some of the other carriers.

https://img.anicoweb.com/wps/wcm/con...=AJPERES&CVID=

As far as "liberal underwriting" is concerned, they do have Underwriting Express. They will only do MIB/Script check on face amounts below $250,000.


They also have 100% Return of Premium at years 20 and 25.

Also, the Guaranteed No Lapse after 10 years.

Here is the link to the brochure.

https://img.anicoweb.com/wps/wcm/con...S&CVID=lDXG5nA

As far as office support. They have a field support center that can help you with just about anything, Illustrations, Pending New Business, Product Questions, General Assistance, the works. They don't have wait times either, I've been working with them for 7 months now and I've had to wait only twice.

This may be their strongest product. This is NOT very competitive at low face amounts (Sub 100k)

and with all ANICO life products. You get all 3 living benefits, Chronic/Critical/Terminal.

-Paul

------------------------------------
Moody Insurance Group
Boutique IMO - National Western Life, American National, and American National of Texas
-----------------------------------------------------------------------
  Reply With Quote to Most Liberal GUL Company?
Old 02-28-2017, 08:25 PM   #6
New Member
Edwardfin on Most Liberal GUL Company?
 
Join Date: Dec 2016
Posts:16
State: Edwardfin is an Insurance Agent from Undisclosed Location
Most Liberal GUL Company? Re: Most Liberal GUL Company?
I'm going to second and third this. American National Product is one the strongest GUl's product wise.

------------------------------------
James E Durden Jr.
Edward Financial Group
Owner| Managing General Agent
  Reply With Quote to Most Liberal GUL Company?
Reply to Most Liberal GUL Company? 

  Insurance Agent Forum > Insurance Forums > Insurance Agents and Brokers Forum > Indexed Universal Life Forum




Similar Threads with Most Liberal GUL Company?
Thread Thread Starter Forum Replies Last Post
How Could A MLM Company Make Money With Insurance Products? 0b1kanobee General Insurance Agent Discussions 35 03-30-2016 08:15 AM
How to Select Final Expense Companies Newby Final Expense Forum 160 10-30-2014 11:02 PM
Oh How I (used To) Love 5 Star mbiallas Final Expense Forum 461 04-04-2014 02:16 PM
Lead Company that You Pay when You Close dondulah Insurance Leads 7 02-26-2014 02:54 PM
Advice to Use the Company Health Fund? flyhope Employee Benefits Forum 1 12-02-2013 03:05 PM



All times are GMT -5. The time now is 02:24 PM.

Forum enabled with vBulletin®
Copyright ©2000 - 2017, vBulletin Solutions, Inc.


Join the Forum - It's FREE

Share This Page



Weekly Poll

Where do we go from here? POLL
Nothing - No ACA fixes - status quo
29.82 %
HHS Rulings and band aid bills
17.54 %
Hail Mary repeal and/or replace bill
17.54 %
A bipartisan bill to fix ACA
35.09 %

Voters: 57. This poll is closed