82 Yr. Old on Dialysis.... FE Company Needed...Please Help

[jdeasy]

Give it to MOO, especially if you're advanced (loan). This is almost a guaranteed charge back. If you have an account set aside for charge backs, go ahead and write it.

I think that's part of the high failure rate in our industry. Newer agents will write anything because they need the money, and then get sunk with chargebacks.

Even if not advanced the agent will be charged back when the person dies in the first 2 years.

 

[usakr]

Send him to MoO. It's half the price of LH and they will take him. Vantis is not an option.

$7000 face will cost him $117/mo with MoO. $10,000 is $166/mo.

Not to familiar with vantis but I thought they were GI. Why aren't they an option?

 

[jdeasy]

Not to familiar with vantis but I thought they were GI. Why aren't they an option?

Stop at age 80................

 

[JGold814]

Most GI policies can only be written up to either age 75 or 80 because beyond that you're approaching the average age of life expectancy (early 80s).

MoO will write up to age 85 on their guaranteed issue so they'll be your best bet, but I believe only a MoO captive agent can write that policy and not independent agents/brokers.

Here's a link to their webpage with some details: Whole Life Insurance Policies, Quotes & Rates - Mutual of Omaha

 

[gordon112]

MOO is all about making money and finding ways to cut out the agent.

I like any company that is for profit, but not cutting into my personal business on the cheap.

Gleanor can write most on there One Step as long as they haven't been in the hospital in the last 6 months or have Aids.

1.) Their is no chargebacks after the first year if death occurs.

2.) They pay full commission and go up to age 85 (except MO)

3.) The rates are just a notch above MOO, but very competitive.

This guy has dialysis and I have seen many live for years with that..but not many many years.

If he doesn't qualify for Gleanor, I would put him on a true GI product through Kemper or Vantis if available in your area.

 

[GAJ638]

Ok great... Thank you!
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Yes, I would like a brochure on Security National. Is there a link or website?

Thank you!

What are the issue ages for SNL for their guarantee issue?

 

[tomoverton0123]

What are the issue ages for SNL for their guarantee issue?

We go up to age 85 on graded and 90 on level plans. Our graded plan will cover dialysis as long as he's not terminal or in the hospital.

 

[FinalExpenseGirl]

Hi,

Would you please send me info on Gleanor? You can send it to [email protected].

Thanks so much!

Do you want to get paid? What state are you in?

Gleanor offers full pay on there One Step with only first year charge back on death.


The rates are just a notch above MOO but very competitive.

Only qualification is have you been in the hospital last 6months or Aids.

 

[TDFnCali]

MOO is all about making money and finding ways to cut out the agent.

I like any company that is for profit, but not cutting into my personal business on the cheap.

Gleanor can write most on there One Step as long as they haven't been in the hospital in the last 6 months or have Aids.

1.) Their is no chargebacks after the first year if death occurs.

2.) They pay full commission and go up to age 85 (except MO)

3.) The rates are just a notch above MOO, but very competitive.

This guy has dialysis and I have seen many live for years with that..but not many many years.

If he doesn't qualify for Gleanor, I would put him on a true GI product through Kemper or Vantis if available in your area.

Are they in Calif? Do u have their rates/app?

 

[gordon112]

Are they in Calif? Do u have their rates/app?

Unfortunately they are not in Cali, but they could be in the future.
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Hi,

Would you please send me info on Gleanor? You can send it to [email protected].

Thanks so much!

What state are you in? Right now, Gleanor is only in 13 states.