Assurity Questions

[WinoBlues]

Hey, how does that Assurity non med term compare to UHLs Premiere 20 ROP term? Is is simple issue just like UHL's?

I find UHL easier to work with than Assurity. Except for the disability question they had on the old app I have never had a problem with them.

Pricing Assurity spanks UHL (reg term) especially if the client can get prf'd with Assurity.

How hands down for me is Sagicor


$200,000.00 female age 41/42

UHL - $72 (std)
Assurity - $38. (prd) $52. (std)
Sagicor - $$27. (prd) $38. (std)

Just for example

$250,000 - $28. / $44.

Non med
No PHI
Most approved in 60-120 seconds
EDIT: Renewals on term

----------

I just wrote one with Assurity today for a guy that is pretty darn healthy. It took over 24 minutes. Everything was going smoothly enough until they got to the meds. He takes some very common bp meds and they really drilled him on it. Also on some seasonal allergy meds. They took him in the end but it took way too long. I just have to remind myself of the renewals when I fight my way through it.

Yeah, the renewals on term are not common. The renewals on the SIWL are very nice.

 

[John Galt]

I find UHL easier to work with than Assurity. Except for the disability question they had on the old app I have never had a problem with them.

Pricing Assurity spanks UHL (reg term) especially if the client can get prf'd with Assurity.

How hands down for me is Sagicor


$200,000.00 female age 41/42

UHL - $72 (std)
Assurity - $38. (prd) $52. (std)
Sagicor - $$27. (prd) $38. (std)

Just for example

$250,000 - $28. / $44.

Non med
No PHI
Most approved in 60-120 seconds
EDIT: Renewals on term

----------



Yeah, the renewals on term are not common. The renewals on the SIWL are very nice.

Ill take quicker approval and more money over Assurity I think, I know Im a whore. As far as I know they still ask about disability on UHL.

 

[WinoBlues]

Ill take quicker approval and more money over Assurity I think, I know Im a whore. As far as I know they still ask about disability on UHL.

Then we would be on the stroll together.

Another reason I like Sagicor, My Sagicor first year comp is higher than Assurity.

 

[John Galt]

Then we would be on the stroll together.

Another reason I like Sagicor, My Sagicor first year comp is higher than Assurity.

Ive heard some good things about Sagicor, cool

 

[Mattschmidt]

I find UHL easier to work with than Assurity. Except for the disability question they had on the old app I have never had a problem with them.

Pricing Assurity spanks UHL (reg term) especially if the client can get prf'd with Assurity.

How hands down for me is Sagicor


$200,000.00 female age 41/42

UHL - $72 (std)
Assurity - $38. (prd) $52. (std)
Sagicor - $$27. (prd) $38. (std)

Just for example

$250,000 - $28. / $44.

Non med
No PHI
Most approved in 60-120 seconds
EDIT: Renewals on term

----------



Yeah, the renewals on term are not common. The renewals on the SIWL are very nice.

Let's keep this Sagicor secret to ourselves Wino...Geessshhh...

 

[WinoBlues]

Let's keep this Sagicor secret to ourselves Wino...Geessshhh...

Sorry, it is the only way they will let me post here. I was sucking up.

Besides FE guys do not write term or GUL.

 

[John Galt]

Sorry, it is the only way they will let me post here. I was sucking up.

Besides FE guys do not write term or GUL.

I wrote a term this week and I already knew about Sagicor

 

[inreverse]

How restrictive is Sagicor compared to Assurity underwriting?

 

[WinoBlues]

How restrictive is Sagicor compared to Assurity underwriting?

I have not written enough Assurity term to compare. But on Sagicor I have had a couple that were declined or rated that I was able to get issued or upgraded to std by pleading my case to the underwriter.

 

[Mattschmidt]

How restrictive is Sagicor compared to Assurity underwriting?

I personally feel Sagicor is a little looser than Assurity Life.

Seems that over last couple of years, Assurity Life has really tighten their underwriting. Not to mention the brutal PHI's where they drill the client.

Sagicor is slowly becoming a go to company