AIG GUL Underwriting help

[kcinsc]

Client 45 years old 5"9 235lbs controlled slightly high bp, what rating would he qualify for on the aig gul? Not to experienced with fully underwritten mainly deal in final expense, thanks

 

[shonceman]

Client 45 years old 5"9 235lbs controlled slightly high bp, what rating would he qualify for on the aig gul? Not to experienced with fully underwritten mainly deal in final expense, thanks

You really need a couple more details, like any health problems in the past, history of tobacco use, cholesterol, family history, etc. to make a better determination. But I'd probably quote him at standard based on the info given. He might get rated up from there, or they might come back with a little better rate after underwriting. I would also make it clear to the client that it's not a firm quote, but subject to underwriting. Whenever I'm not sure what to quote, I call my IMO, who has an underwriting specialist on staff. You could also call AIG/American General directly and get your question answered.

 

[kcinsc]

I cant find a contact for aig underwriting help and the uw tool on estation will never load for me. May end up writing MoO guaranteed, aig was just a little cheaper.

 

[WinoBlues]

I cant find a contact for aig underwriting help and the uw tool on estation will never load for me. May end up writing MoO guaranteed, aig was just a little cheaper.

I would quote him Std as well. I sometimes show them a range I believe they will fall into.

If you are an FE only guy you need to understand that AIG is slow in underwriting. If UoO is close I would go there. The ROP options will sell the little difference in premium. IMohsoHO.

 

[ianbroker31]

WinoBlues is correct on quoting standard, also with their GUL product their standard rate counts as a Table B. (Table Shave)