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 Which One is Better for Midland CV4 IUL or North America Builder IUL7 ?     
Old 01-07-2017, 09:55 PM   #21
Guru
 
Join Date: Feb 2016
Posts:362
State: jboussea is an Insurance Agent from Undisclosed Location
Which One is Better for Midland CV4 IUL or North America Builder IUL7 ? Re: Which One is Better for Midland CV4 IUL or North America Builder IUL7 ?
Originally Posted by scagnt83 View Post
UW is exactly the same I think for both. They loosened up UW a bit last year. I would not consider them as strict on UW as many other players in the CV Life Insurance market. The Rapid Builder product table shaves, I think up to table 2.

Not sure what you are trying to say with the second part of your post. UW process is based on NAs UW Guidelines. You can go online and download the basic UW guidelines so you can prescreen clients yourself. If your IMO is not able to give you accurate estimates for NAs UW, then find an IMO that can... plenty of fish in the sea. Its not the IMO making the decision, its an underwriter as NA who is following their published guidelines.
It's not the UW . more like the process after submitting an application.. because I'm going through a 3rd party ... i'm waiting for the requirements I've sent to be uploaded. I definitely think the issue is the IMO .. but there is no way to contact NA directly to solve a simple issue.

I'm definitely not fond of the IMO I'm using (long story but that wasn't my choice) but if NA made it easier to upload documents to them directly or ask questions .. I would be alright.. I guess that's why they have Midland
------------------------------------
  Reply With Quote to Which One is Better for Midland CV4 IUL or North America Builder IUL7 ?

Old 01-07-2017, 10:25 PM   #22
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
Which One is Better for Midland CV4 IUL or North America Builder IUL7 ?
Originally Posted by jboussea View Post

It's not the UW . more like the process after submitting an application.. because I'm going through a 3rd party ... i'm waiting for the requirements I've sent to be uploaded. I definitely think the issue is the IMO .. but there is no way to contact NA directly to solve a simple issue.

I'm definitely not fond of the IMO I'm using (long story but that wasn't my choice) but if NA made it easier to upload documents to them directly or ask questions .. I would be alright.. I guess that's why they have Midland
I know that NA dual appoints for annuities so I wouldn't be surprised if they do the same for life...

Just go to Midland for direct. It is way easier if you want to self manage cases.
------------------------------------
  Reply With Quote to Which One is Better for Midland CV4 IUL or North America Builder IUL7 ?
Reply to Which One is Better for Midland CV4 IUL or North America Builder IUL7 ? 

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




Similar Threads with Which One is Better for Midland CV4 IUL or North America Builder IUL7 ?
Thread Thread Starter Forum Replies Last Post
Which IUL is Better, Nationwide or North America? csinsurance Indexed Universal Life Forum 20 10-28-2015 06:36 PM
Which IUL to Choose? Nationwide or North America? csinsurance Indexed Universal Life Forum 0 11-18-2014 12:05 PM
John Hancock's Benefit Builder Arthur Rudnick Long Term Care Insurance Forum 24 08-14-2012 11:31 AM
ING IUL How is It Compared to North American IUL SamIam Indexed Universal Life Forum 13 07-08-2012 02:31 PM
Free Webinar: North American Builder IUL souldeux Indexed Universal Life Forum 0 06-09-2010 04:25 PM



All times are GMT -5. The time now is 02:25 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