Need a Good Carrier or Two

[munson]

Some excellent term carriers with great rates and with fair underwriting in FL:
Banner Life & SBLI of MA.

 

[mcouper]

Banner (very good term, good ratings, app assist and decent UL), American General (great rated term, very good GUL and IUL), Lincoln (decent term, very good UL, IUL and killer VULone)

 

[WinoBlues]

Banner (very good term, good ratings, app assist and decent UL), American General (great rated term, very good GUL and IUL), Lincoln (decent term, very good UL, IUL and killer VULone)

Table shave on permanent plans. Including dialed (term like) down UL.

 

[Cash]

Table shave on permanent plans. Including dialed (term like) down UL.

I read somewhere on here where you said "dialed down" in reference to term like UL. I have no idea what that means. Could you explain?

 

[WinoBlues]

I read somewhere on here where you said "dialed down" in reference to term like UL. I have no idea what that means. Could you explain?

Most UL and GUL are meant to be configured to run to age 121. Term is meant for a term of time.

However our clients needs do not fit in neat boxes.

Many UL/GUL are very flexible and can be configured to the need. Dialing down is configuring the policy to run fewer years, like term. LFG can shave up to three tables off of a permanent plan like UL. So if you have a client that would be T3 on most term plans a dialed down UL may work better. Another situation could be an older person that needs/wants a longer term plan than is available at their age.

 

[gogostar]

couple carriers will be more effective.. i think.