Americo's NS rates on FEX Qoutes

inreverse

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MN
Are they already discounting the Eagle Premier rate for Smokers with the ridiculous 2-year program for quitting smoking?
 
Why would you EVER use eagle tobacco anyway? Maybe a rare niche issue but those rates were a JOKE.
 
Yea it is all "non tobacco" now. I think it is a good idea for the people that are REALLY stopping smoking. Say someone has not smoked in the last 6 months and they fully intend on quitting for good.

The problem is, it should be OPTIONAL. Use it in those situations but still have the REAL non tobacco rates for clients that dip/chew/etc.

The other problem is the fact that agents will use this policy to make replacements on correctly written policies.
 
The problem is, it should be OPTIONAL. Use it in those situations but still have the REAL non tobacco rates for clients that dip/chew/etc.

.

I think they had to eliminate that niche to accomidate these chages. A lot of work for a product that still doesn't have ADR built in in PA.
 
Let's not even get into the variances on the term products have in Pa. Best is when you ask americo why eagle doesn't have ADR they blame PA, but every other product has it, so its them not PA.
 
What did they change about the underwriting? My understanding of the questions are the same but the computer algorithm has been more strict about what it takes.
 
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