Americo, Monumental Random PHI?

[WinoBlues]

Question for the all knowing finale expense oracles.

I have a couple policies to write on a client's Grandmother. Because of language and ethnic traditions we need to do this with SI companies with no PHI. Again because or tradition we need a larger amount than is normal for final expenses. Total face is going to be $60,000.00. I write a little Americo and Monumental.

Female mid 70s. She is a citizen. Children will be owners. She is low income. Not employed.

My questions. Would the total face amount, language and the fact that there are going to be a couple apps submitted the same day normally kick out a PHI request from them?

Thanks

 

[jacobtn]

no way to know until after the fact. why not use carriers that you know won't call her, like 5 star for example.

 

[WinoBlues]

no way to know until after the fact. why not use carriers that you know won't call her, like 5 star for example.

Probably what I am going to do.

I am using Security National for 25k. Still need to build another 35k. 5 Star is 0 PHI period? California BTW

 

[jacobtn]

it is optional, you can do it if you want immediate decision, but it is not required. You can actually use United of Omaha for up to $40k with no phone interview also.

 

[WinoBlues]

it is optional, you can do it if you want immediate decision, but it is not required. You can actually use United of Omaha for up to $40k with no phone interview also.[/QUOTE

Great tip. Thanks. Per Fexquote they look a little pricier but that is secondary to what they want. I have used them on GUL in the past. I assume it is the same contract. I'll call them in the AM.

 

[GAJ638]

Probably what I am going to do.

I am using Security National for 25k. Still need to build another 35k. 5 Star is 0 PHI period? California BTW

Wino, can you give me some contact information on Security National? I am not familiar with them. I might need to add them to my product line.

 

[WinoBlues]

Wino, can you give me some contact information on Security National? I am not familiar with them. I might need to add them to my product line.

Sent you a PM

........