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Old 08-30-2017, 11:47 AM   #21
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance pfg1 is the thread starter for: Non-med Exam Life Insurance

Ok, thanks guys. Yeah, pdf of policy is no big deal - at least to me its not. Maybe a client might think so, but I doubt it. Heck, I'll print and bind it for them if need be.

So Lewis_FL... I'm sure the guy I'm thinking of is probably not pref +... more like std +, to possibly preferred.

What does the Lincoln TermAccel product use to underwrite? Rx, DMV record, MIB, and questions on app? Anything I need to be aware of or worry about?
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Old 08-31-2017, 10:57 AM   #22
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Lewis_FL on Non-med Exam Life Insurance
 
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
yes Rx check etc, public records, PHI. Banner might be a little more liberal on underwriting and still do non-med if only Std or Std+.
Attached Files
File Type: pdf LNL TermAccel Underwriting Guide.pdf (304.4 KB, 4 views)
File Type: pdf Non-med Term Cheatsheet.pdf (164.8 KB, 9 views)
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Old 08-31-2017, 11:16 AM   #23
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Originally Posted by pfg1 View Post
Ok, thanks guys. Yeah, pdf of policy is no big deal - at least to me its not. Maybe a client might think so, but I doubt it. Heck, I'll print and bind it for them if need be.

So Lewis_FL... I'm sure the guy I'm thinking of is probably not pref +... more like std +, to possibly preferred.

What does the Lincoln TermAccel product use to underwrite? Rx, DMV record, MIB, and questions on app? Anything I need to be aware of or worry about?
Another reason to have Lincoln is their Table Shave program. Up to 3 tables. I have used it on a few larger cases and smoked the competition rate wise. Only permanent plans, so would not work on this case. I do not recall if their GUL can be dialed down.

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Old 08-31-2017, 12:16 PM   #24
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance pfg1 is the thread starter for: Non-med Exam Life Insurance

Thanks Wino & Lewis! I appreciate it
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Old 08-31-2017, 08:15 PM   #25
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Non-med Exam Life Insurance Re: Non-med Exam Life Insurance
Anico is up to a 1mm 18 to 50, and 500k 51 to 65 or maybe 60. Everything must match up on the application. Also they run a "risk score" through Lexis/Nexus. Appears to be similar to auto scoring at first glance. They say about 40 percent will get through with no exam. Preferred plus rates available. I am not selling it as no exam. Too many variables.
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