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 > Life Insurance Forum

Reply to Non-med Exam Life Insurance     
Old 08-29-2017, 08:49 PM   #11
Guru
 
Join Date: Feb 2016
Posts:381
State: jboussea is an Insurance Agent from Undisclosed Location
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by pfg1 View Post
So a few questions for you guys who do alot of this, especially term.


What A carriers tend to be best in this space these days?

Who will go over $250k? What is the most a carrier will do non-med?

Who will issue pref rates on non-med?

Who actually has pricing that is reasonably competitive with fully uw?

Any besides Anico and LSW that will issue term with living benefits, non-med?

Anyone to particularly avoid?


I have a few folks I will be working with... based on discussions they sound like they should qualify preferred NT. Figured I'd look into who can do it without the med exam.


Thanks folks!!!

SBLI will go non med (but they can order APS) up to 500k ... Rates are very close to fully underwritten and they issue preferred rates. Sagicor just got better pricing with their instant decision non med (true simplified issue unlike SBLI)
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-29-2017, 09:01 PM   #12
Guru
WinoBlues on Non-med Exam Life Insurance
 
Join Date: Jan 2009
Posts:17,302
State: WinoBlues is an Insurance Agent from Undisclosed Location
WinoBlues is a member of 5000 posts Super VIP club
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by jboussea View Post
SBLI will go non med (but they can order APS) up to 500k ... Rates are very close to fully underwritten and they issue preferred rates. Sagicor just got better pricing with their instant decision non med (true simplified issue unlike SBLI)
They also have a rated plan that is nonmed also. Build chart is not bad.
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 07:51 AM   #13
Super Genius
Lewis_FL on Non-med Exam Life Insurance
 
Join Date: Jun 2013
Posts:155
State: Lewis_FL is an Insurance Agent from Undisclosed Location
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by jemelton View Post
Any of these available for 64 female besides sagicor?
ANICO will. don't know how they compare re price to Sagicor...
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 08:47 AM   #14
Guru
 
Join Date: Aug 2013
Posts:1,066
State: pfg1 is an Insurance Agent from Virginia
pfg1 is a member of 1000 posts VIP club
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance pfg1 is the thread starter for: Non-med Exam Life Insurance

Can anyone tell me what Lincoln (express/non med) pricing would be for 50yo male, non-tob, $500k, 20yr term... likely preferred rating. Also, what product is it?

Or, pricing for another good alternative... SBLI, Principal ... ?

Thanks!
------------------------------------

Last edited by pfg1; 08-30-2017 at 08:54 AM.
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 09:24 AM   #15
Super Genius
Lewis_FL on Non-med Exam Life Insurance
 
Join Date: Jun 2013
Posts:155
State: Lewis_FL is an Insurance Agent from Undisclosed Location
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by pfg1 View Post
Can anyone tell me what Lincoln (express/non med) pricing would be for 50yo male, non-tob, $500k, 20yr term... likely preferred rating. Also, what product is it?

Or, pricing for another good alternative... SBLI, Principal ... ?

Thanks!
Lincoln TermAccel $92.67/mo. other express issue carriers: Banner OPTerm $91.44, Principal term $94.07. Cheapest w/exam: Protective Classic Choice term $89.87 or Custom Choice term/UL $91.14. Don't fall for the John Hancock Vitality term quote.
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 09:33 AM   #16
Guru
 
Join Date: Aug 2013
Posts:1,066
State: pfg1 is an Insurance Agent from Virginia
pfg1 is a member of 1000 posts VIP club
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance pfg1 is the thread starter for: Non-med Exam Life Insurance

Originally Posted by Lewis_FL View Post
Lincoln TermAccel $92.67/mo. other express issue carriers: Banner OPTerm $91.44, Principal term $94.07. Cheapest w/exam: Protective Classic Choice term $89.87 or Custom Choice term/UL $91.14. Don't fall for the John Hancock Vitality term quote.
Thanks so much Lewis_FL!

So of those, who is the easiest to deal with? I know in the past, some carriers quote out well...but are a nightmare to get approval from.
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 10:21 AM   #17
Super Genius
Lewis_FL on Non-med Exam Life Insurance
 
Join Date: Jun 2013
Posts:155
State: Lewis_FL is an Insurance Agent from Undisclosed Location
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
We've had pretty good success with Lincoln TermAccel (when they turn out to be Preferred+). About 50/50 with Banner. Less that that with Principal. Note Lincoln is all electronic even the policy. Otherwise Lincoln LifeElements term eticket with express underwriting is almost as cheap.
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 11:22 AM   #18
Guru
 
Join Date: Aug 2013
Posts:1,066
State: pfg1 is an Insurance Agent from Virginia
pfg1 is a member of 1000 posts VIP club
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance pfg1 is the thread starter for: Non-med Exam Life Insurance

Originally Posted by Lewis_FL View Post
We've had pretty good success with Lincoln TermAccel (when they turn out to be Preferred+). About 50/50 with Banner. Less that that with Principal. Note Lincoln is all electronic even the policy. Otherwise Lincoln LifeElements term eticket with express underwriting is almost as cheap.
Thanks. What do you mean the policy is electronic?
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 11:35 AM   #19
Super Genius
Lewis_FL on Non-med Exam Life Insurance
 
Join Date: Jun 2013
Posts:155
State: Lewis_FL is an Insurance Agent from Undisclosed Location
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by pfg1 View Post
Thanks. What do you mean the policy is electronic?
no paper anywhere. e-app and pdf of policy.
------------------------------------
  Reply With Quote to Non-med Exam Life Insurance
Old 08-30-2017, 11:36 AM   #20
Guru
WinoBlues on Non-med Exam Life Insurance
 
Join Date: Jan 2009
Posts:17,302
State: WinoBlues is an Insurance Agent from Undisclosed Location
WinoBlues is a member of 5000 posts Super VIP club
Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by pfg1 View Post
Thanks. What do you mean the policy is electronic?
The policy is emailed to the client.

I was really anti Epolicies till I did a couple. Super efficient. Depending on the client of course. Mine were larger cases with clients that were very comfortable with technology.

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

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

WinoBlues @ Gmail.com
  Reply With Quote to Non-med Exam Life Insurance
Reply to Non-med Exam Life Insurance 

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




Similar Threads with Non-med Exam Life Insurance
Thread Thread Starter Forum Replies Last Post
Has Anyone Built a Facebook Page for Their Business? AgentDrew Insurance Websites 114 05-30-2017 12:39 PM
Is anyone going to the Convention (National Agents Alliance) (NAA dvd493 Life Insurance Forum 1591 11-17-2016 10:24 AM
My personal experience with Aflac STIBROKER Employee Benefits Forum 709 07-31-2016 09:00 AM
Texas Regulator Sues Life Partners STIBROKER Life Settlements Forum 11 06-22-2014 02:55 PM
The 9 Most Useful Life Insurance Riders DHK Life Insurance Forum 32 12-25-2012 10:54 AM



All times are GMT -5. The time now is 01:47 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