65F, Insulin Diabetic, 25K, $100 Mo., Anything Less Out There???

[CALTCAgent]

The PM is most likely a term policy.. The UoO is a two year ROP but you said she has had it for two years.

Assuming that the UoO is for $10,000 she is paying $42/mo fo that. Leaving $58/mo for the PM of $15000. That is most definately the term. No way would they or could they sell her $15000 of whole life for $58/mo.

Maybe leave the UoO alone and replace the PM? That's the direction I would look.

This is good to know!

So PM sells term and not final expense? Or just at those rates its likely a term with them?

Not familiar with PM. What is their specialty? They used to have LTC and I think they have captive agents.

This will give me more incentive, as I was thinking about not bothering if I couldn't save her much.

Thanks!

 

[jdeasy]

This is good to know!

So PM sells term and not final expense? Or just at those rates its likely a term with them?

Not familiar with PM. What is their specialty? They used to have LTC and I think they have captive agents.

This will give me more incentive, as I was thinking about not bothering if I couldn't save her much.

Thanks!

PM probably has whole life. In fact I think I ran across one of their whole plans early this year. The guy had it about 10 years and I could still get with a couple of bucks of the premium. It's was overpriced. I run into their term quite often. Seems it has a 7 yr price guarantee but it ends at age 80 just like AARP. No way they sold a 63 year old a $15000 face whole life for $58/mo.

 

[Iwillpay]

Hello,,

Details:

65 F
$100 Mo., 25K DB (physicians mutual + UoO)
Insulin dependent Diabetic
HBP

Is there anything less out there?

Thanks!

United Home Life/United Farm Life is diabetic friendly and gives "First" day coverage. This is usually a go to company.
Just another alternative.

 

[CALTCAgent]

United Home Life/United Farm Life is diabetic friendly and gives "First" day coverage. This is usually a go to company.
Just another alternative.

Can somebody give me the rates/premium for this case for UHL?

 

[Mark]

Can somebody give me the rates/premium for this case for UHL?

$137.71 Express Issue Deluxe

 

[VolAgent]

Can somebody give me the rates/premium for this case for UHL?

Assuming her diabetes is well controlled with no complications, Assurity would do it for 106.77. They even have an e-app.

 

[CALTCAgent]

Assuming her diabetes is well controlled with no complications, Assurity would do it for 106.77. They even have an e-app.

e-app sounds good.

Not sure if she has e-mail though.

 

[jdeasy]

United Home Life/United Farm Life is diabetic friendly and gives "First" day coverage. This is usually a go to company.
Just another alternative.

Why would UHL be anyone's "go to" company? I can't imagine them making anyone's top 10 of companies to use unless they are just begging for it to be replaced.

 

[TwiLight]

Why would UHL be anyone's "go to" company? I can't imagine them making anyone's top 10 of companies to use unless they are just begging for it to be replaced.

I know you hate them, but their rates under 65 are quite good at the premier level. Not everyone likes RNA as much as you do.

That said, they are not my go to, I use them for low rate FE 25-65.

 

[SportsNut]

I know you hate them, but their rates under 65 are quite good at the premier level. Not everyone likes RNA as much as you do.

That said, they are not my go to, I use them for low rate FE 25-65.

I'm not saying you are wrong here Twilight, in fact there is no real 'wrong' it is often times preference and comfort level on the part of the agent... But can you give an example [based on several case studies] where you felt UHL was the go-to company. Frankly I have looked at them in many situations and they just never seemed to measure up, meaning there was always a better fit. But maybe I am missing something, or maybe in the last 3 yrs they have revamped the product line. It has been that long since I was appointed with UHL. And, I would love to sell them cause they are right in my backyard.

[not trying to start an argument here with "my co is better than your co" either]