Is Guarantees Issue for Real?

[MichaelBurton]

Does not do them or I any good. Worse gives the beneficiary false hope and me a charge back and nets out as negative work. I refer those to a funeral home.

I get the charge back. But 1) I thought it returns premium + 5-20% - heckuva lot better than any 6-36 month CD!; and 2) why does the beneficiary even need to know?

I also think a lot of beneficiaries are big enough boys/girls to understand the rules going in.

Wonder if it could give somebody a little extra incentive to fight harder against an illness?

 

[goillini52]

I get the charge back. But 1) I thought it returns premium + 5-20% - heckuva lot better than any 6-36 month CD!; and 2) why does the beneficiary even need to know?

I also think a lot of beneficiaries are big enough boys/girls to understand the rules going in.

Wonder if it could give somebody a little extra incentive to fight harder against an illness?

He's saying that if a person probably won't make it 24 months, why do all that work. It's a good deal for the prospect...not a good deal for the agent.

 

[WinoBlues]

I get the charge back. But 1) I thought it returns premium + 5-20% - heckuva lot better than any 6-36 month CD!; and 2) why does the beneficiary even need to know?

I also think a lot of beneficiaries are big enough boys/girls to understand the rules going in.

Wonder if it could give somebody a little extra incentive to fight harder against an illness?

I have gotten more than one call from a dying persons family. 10% interest on a few payments is not going to help anyone and I would much rather not get money if I am going to have to give it back.

That a those are only a few people a year. I refer those to a funeral person who is a client of mine.

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He's saying that if a person probably won't make it 24 months, why do all that work. It's a good deal for the prospect...not a good deal for the agent.

That. If a person is terminal and may make it 6 months they possibly can get some benefit from a PreNeed plan.

 

[scagnt83]

Security National Life will take clients with serious health issues that might be a knock out with other carriers. ADL's, wheel chair use, on dialysis, and even daily oxygen use will be approved! You can have 3 yes answers on their application and still qualify for their graded plan.

And their rates are awesome!

Here's an example

65 Male Non tobacco $10,000

Vantis Life $68.00
Gerber Life $68.29
Security National Life $72.83
Columbian Life $98.83
Kemper Life $104.58


The Value here with SNL is that they pay better than Gerber and Vantis

Is that Security National a true GI plan?

I have a friend here in SC:
35 male, Smoker
Brain Tumor
Fatty Liver
Numerous meds
History of seizures
Occasionally uses oxygen

He wants as much as he can get for $80 per month... who would you recommend? He has final expenses covered already at a local funeral home. He just wants something to help with random expenses and to help pay back his family that has helped him over the years.

 

[Iwillpay]

Is that Security National a true GI plan?

I have a friend here in SC:
35 male, Smoker
Brain Tumor
Fatty Liver
Numerous meds
History of seizures
Occasionally uses oxygen

He wants as much as he can get for $80 per month... who would you recommend? He has final expenses covered already at a local funeral home. He just wants something to help with random expenses and to help pay back his family that has helped him over the years.

Colombian Life GI,

 

[BobbyR]

No can't get Snl if in hospital in last 30 days,current cancer or any dementia or alzheimers. Also age 40-80 but comp is great with renewals and no chargebacks for death in first 2 yrs.

 

[WinoBlues]

Is that Security National a true GI plan?

I have a friend here in SC:
35 male, Smoker
Brain Tumor
Fatty Liver
Numerous meds
History of seizures
Occasionally uses oxygen

He wants as much as he can get for $80 per month... who would you recommend? He has final expenses covered already at a local funeral home. He just wants something to help with random expenses and to help pay back his family that has helped him over the years.

No. It is not a true no questions asked GI. There are a few knock out questions, also some qualifications after the knock outs.

 

[MichaelBurton]

He's saying that if a person probably won't make it 24 months, why do all that work. It's a good deal for the prospect...not a good deal for the agent.

Yep. That came thru and makes sense.

 

[ferrari550]

We have GI with No 2 Year waiting. Contact if interested.

 

[goillini52]

We have GI with No 2 Year waiting. Contact if interested.

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