Alternate To RNA's Essential WL

[Jerard]

CSA will go down to $10K.

In the example of the 33 year old fem above, the $25K on her would be $20.19 per month. They don't do a child rider though.

I know, I wish they did. Then I wouldn't need UHL (Provider) for 25k and up.

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Sent from some woman's closet on my phartsmone.

 

[rousemark]

CSA will go down to $10K.

In the example of the 33 year old fem above, the $25K on her would be $20.19 per month. They don't do a child rider though.

Confederate States of America Insurance Company? Got to get me some of that. Tired of dealin' with them thar Yankee companies.
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I know, I wish they did. Then I wouldn't need UHL (Provider) for 25k and up.

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Sent from some woman's closet on my phartsmone.

Just noticed UNL is not in Florida.. For any that want to take a look at them, you do not to have an agent number to download their brochures, apps, rates, etc for your state. The paln I was speaking if is their Family Plan. They do ahve a FE plan (the Provider) but it is expensive. However, they only have an 18 month look back on internal cancer. They do not do POS on either plan. Both have the same commission schedule.

You can even download their software (doesn't work with Android).

http://www.unlinsurance.com/agents/Pages/default.aspx

 

[jdeasy]

Looking to get my RNA contract released, but wondered what you guys would suggest using in place to RNA's Essential Life WL product, for those that want more than your typical FE sale, and have the health to qualify.

Thanks.

There really isn't one if you are looking for price. The ones that can close on price are even tougher underwriting than RNA, {as if that's possible?}.

I looked into Motorist a while back but based on the experience that Newby has had with them I'm not looking to contract with them now.

I wish there was a good alternative to Essential Life. If you find one let me know.

 

[rousemark]

There really isn't one if you are looking for price. The ones that can close on price are even tougher underwriting than RNA, {as if that's possible?}.

I looked into Motorist a while back but based on the experience that Newby has had with them I'm not looking to contract with them now.

I wish there was a good alternative to Essential Life. If you find one let me know.

Am not with Motorist but did help a client with a claim and some other service work on a couple of Motorist polices. They were very easy to deal with but the claim was on an incontestable policy.
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I know, I wish they did. Then I wouldn't need UHL (Provider) for 25k and up.

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Sent from some woman's closet on my phartsmone.

UNL $23.51for 33 FNS 25K
$26.99 with 10K on each child

 

[jdeasy]

Am not with Motorist but did help a client with a claim and some other service work on a couple of Motorist polices. They were very easy to deal with but the claim was on an incontestable policy.
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UNL $23.51for 33 FNS 25K
$26.99 with 10K on each child

On that they are pretty good. My first experience with Morostists and the first time I heard of them was when a lady ran into my wife's Envoy and she had Motorists insurance. They were very easy and pleasant to deal with on the claim excpet for the part of the rental. They got a little snippy when I told them I would not accept a foreign car rental. They did fianlly agree and got us an american car while our's was in the shop.

 

[WinoBlues]

I use UNL's underwritten plan for amounts up to 125K total face. No medical exam, no oral, swab of specimens. You can write it in any combination of WL and term to 60. Makes a nice presentation when you use 25K WL with 25K Term to 60. "You have heard of life insurance that pays double for accidental death?" "Well this plan will pay double for any type death up to age 60" You can add child term, spouse term, ADB and WP. Direct contracts. Unusual pay scale. Only 80% first year but pays 49% second year. The main reason I started using them was I was already writing their cancer.

Who is UNL?

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[Jerard]

Just noticed UNL is not in Florida

Rats............... :(

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Sent from some woman's closet on my phartsmone.

 

[rousemark]

Who is UNL?

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Sent from my Nexus 7 using Insurance Forums

United national Life
http://www.unlinsurance.com/agents/Pages/default.aspx
They are associated with GTL

 

[WinoBlues]

We offer a good contract with Cincinnati Life's fully underwritten WL. I haven't used them yet but Brad Aden likes them.

I've been testing out Motorists WL with nothing good to report. Can't get any Seniors approved through them.

Nice 10 pay. Non med to $100,000.00 to age 60, maybe 65. Down to $10,000. Non PHI, up to $20,000.00 child rider. WP and Child rider are well priced. Combine that with their cheap term makes some great family plans. Same with their ROP term. They are Fn picky on contracting so going under some one like Brad is a way in.

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[RonRoberts]

United national Life
http://www.unlinsurance.com/agents/Pages/default.aspx
They are associated with GTL

Speaking of GTL, how are their products as a whole and how are they to work with? I just contracted with them and plan on marketing their lump sum CHS products.