Americo's NEW Nonsmoker Rates For Smokers

What did you take away from it? Anything not discussed here?
Nope.. The gal presenter thought it was the best thing since sliced bread... But when you see just how much of a reduction in coverage or increase in premium the 4th year, it is downright scary.. There are several companies that you can write a smoker rate at the attauned age and blow their premium out of the water.
 
Nope.. The gal presenter thought it was the best thing since sliced bread... But when you see just how much of a reduction in coverage or increase in premium the 4th year, it is downright scary.. There are several companies that you can write a smoker rate at the attauned age and blow their premium out of the water.

Thanks for sharing. typical shilling from a marketer it sounds like. Without thinking about long term effects on the clients.
 
Nope.. The gal presenter thought it was the best thing since sliced bread... But when you see just how much of a reduction in coverage or increase in premium the 4th year, it is downright scary.. There are several companies that you can write a smoker rate at the attauned age and blow their premium out of the water.

Business written that is just waiting for replacement...
 
If found - yes . . .

Sorry for those that don't quit smoking and have a life event that would disqualify them from getting another policy when their FV is cut in half for the same premium.

If found it will look as if the agent lied to them... they may not have... but it will look to the client that way...

Bet your bottom dollar if I find one, we will just give the company a call and let them tell their own client on the phone that what they think they have isn't what they thought they have...

Can you guess how many policies I've replaced this way?
 
If found it will look as if the agent lied to them... they may not have... but it will look to the client that way...

Bet your bottom dollar if I find one, we will just give the company a call and let them tell their own client on the phone that what they think they have isn't what they thought they have...

Can you guess how many policies I've replaced this way?

@myinsurebiz doesn't care. He doesn't write business. Just comes on forums out of boredom
 
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