Well, kind of... It was a product that returns premiums if they die in the first two years. I'm not even sure if PM has different classifications or not because the lady was healthy for her age.
1st Post / Physicians Mutual Agent Job Offer
- Thread starter mojo1633
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Well, kind of... It was a product that returns premiums if they die in the first two years. I'm not even sure if PM has different classifications or not because the lady was healthy for her age.
- 2,103
I thought of that after I posted. In some states they call it ROP and some they actually cannot or will not call it ROP so it does not get mixed up with ROP term, and they call it "graded". Different companies call it different things as well. Same policy, different names. When I was at PM, they had a policy that had more health questions and was underwritten more, and it was more like a normal FE policy, not graded, and it was not too far overpriced. Why this lady got a graded or ROP policy is beyond me, if she did not have the health problems.
- 397
Couldn't agree more. It's hard enough for a new agent to make it in this business, why handicap yourself even more with only one companies uncompetitive product.
- 2,103
Physicians could be good if they would get some good products, they have all the infrastructure in place.
The only good product they had was their hospital indeminity plan, which is long gone!!!!!! They are a ..... nevermind, lots of "tattle tells" on this board.
- 2,103
I thought it was "tattle tail" , maybe I had that wrong as a kid.
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