Agent needs input on policy with living benefits

Nov 1, 2018

  1. shooter
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    shooter Guru

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    Thanks for the input.
    Good advice from the best in the biz.
    Shooter
     
    shooter, Nov 6, 2018
    #11
  2. mattl89
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    mattl89 New Member

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    North American is coming out with a term product with CI
     
    mattl89, Nov 28, 2018
    #12
  3. mattl89
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    mattl89 New Member

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    For UL, I don't see anyone mentioning Symetra. They have a CI rider and typically have lower pricing compared to Nationwide and Protective.
     
    mattl89, Nov 28, 2018
    #13
  4. Allen Trent
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    Allen Trent Guru

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    do you mean they have lower required/target premiums or that their UL has lower internal COI, loads & policy fees. I know some carriers with the lowest required premiums, but it has zero correlation to the long term performance of the policy. Those end up merely mimicking an ART term policy & the client never knows until it is too late when they are sold pay less now & then you can always pay more later.
     
  5. Tahoe Ray
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    Tahoe Ray Guru

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    I'm guessing that he's talking GUL...
     
  6. mattl89
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    mattl89 New Member

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    I was referring to their GUL. Their term does not have the CI+.
     
    mattl89, Dec 4, 2018
    #16
  7. SusieQ2
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    SusieQ2 Super Genius

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    It just seems like a good idea to sell life insurance with living benefits. I've looked at Ameritas, LSW, Phoenix now Nassau for living benefits. I'm wondering if y'all know for non-med who has the most efficient underwriting as far as being able to see updates, speed to get a clean application issued, etc. A lot of IMOs are pushing Ameritas right now.

    I'm with Shooter, I get tired of the IMOs and their BS, I want a company I can call myself, email for updates, so I don't have to be on hold or go through a bunch of prompts that take 10 minutes and has updates a couple of times a day,instead of just overnight. If a client has a question I don't want to have to tell them I'll get back to you tomorrow. Is that too much to ask?
     
    SusieQ2, Dec 8, 2018 at 4:31 PM
    #17
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