63 Yr Old Male Smoker

[rizzle]

i presented assurity 10k for $61. he said when his son was looking few months ago he found a rate for him under $45..
he seems to think it was for a similiar policy..
i am awaiting a call from son to check on this for him.
any ideas on anything that low? dont see how it could be that much difference.
thx

 

[LGilmore]

sure nonsmoker.....

run him as a nonsmoker and you'll probably be close.

sorta like the 45 yr old 250k for $11 a month. A smoker ain't going to see that rate....but expects it to be his/her quote.

 

[jdeasy]

i presented assurity 10k for $61. he said when his son was looking few months ago he found a rate for him under $45..
he seems to think it was for a similiar policy..
i am awaiting a call from son to check on this for him.
any ideas on anything that low? dont see how it could be that much difference.
thx

It ain't out there in whole life. He was looking at non tobacco rates or term or UL.

Unless he is a cigar or pipe smoker and was quoted Americo's non tobacco rates, but even that is $49/mo.

Don't you just love competing with a family member or the barber or the auto mechanic that heard about something somewhere?

 

[STIBROKER]

i am awaiting a call from son to check on this for him.any ideas on anything that low? dont see how it could be that much difference.
thx

Prob. ran non smoker rates.....unless he is a dipper and not a smoker.....

 

[rizzle]

yeah this held up doing two apps on that visit.. eager to see what the hell the son thinks he got a quote on..ill let ya know.
maybe going forward on the initial visit i could inquire about any prior quotes they have received??

at least the wife was good with the oxford quote i presented.

 

[TPAAgent]

I ran into something similar with Motorists life- Had a guy 66 smoker took out a policy last year and it was cheaper by $23 than all the companies in my quote engine.. even Foresters etc...

Told him something was wrong with his policy and I would be glad to stop by and review.. I did- sure enough, he was put in as a smoker..

I thought for sure the agent that wrote the policy put him down as a non smoker or decreased the face after he signed the app

Since I dont have Motorist in my bag I had the client call Motorist and he even put me through with the rep-.. sure enough- everything on the app matched what she had in her system

Most baffling thing I've ever seen in my 13 years in the business- I even called Motorist up after I got backto the office to get a quote for a "relative" it was not the same amount he was paying- much higher...

Somehow dude lucked out and Motorist messed up somewhere

 

[nfl72]

Three years ago when I first started selling FE I wrote for motorists for about a year. I stopped using them because Foresters beats the daylights out of their rates. I found out the hard way with numerous chargebacks.

Something is rotten in Denmark!