Best FE Company for ESRD

[torri]

Female 65 NS on dialysis would like 10K life policy in GA. What are some options?

 

[jdeasy]

Female 65 NS on dialysis would like 10K life policy in GA. What are some options?

Presidential, Americo Ultra III. Best deal for her is gonna be to call up MoO and enroll in thei GI plan. $10,000 would cost her $51/mo. It's ROP + 10% for the first two years. It is whole life. Can't really go wrong with that.

She could get the AARP term crap.

 

[MrProducer]

Female 65 NS on dialysis would like 10K life policy in GA. What are some options?

She may likely qualify for the GTL Graded Term..... $10k = $48.81/month

I think with MoO, you have to be a captive agent in order to sell their GI product. That's what I was told by them anyways. Maybe they just don't like me....LOL.

 

[nfl72]

I am hearing lots of guys suggesting Columbian is a decent company. Is there GI competitive?

 

[jdeasy]

Columbian is competitive. They have one app that can either generate a phone interview at point of sale for an immediate benefit policy or skip the interview and get a graded death policy.

They are not going to do a graded policy for ESRD.

 

[JimmyUt]

She may likely qualify for the GTL Graded Term..... $10k = $48.81/month

I think with MoO, you have to be a captive agent in order to sell their GI product. That's what I was told by them anyways. Maybe they just don't like me....LOL.

I think what he is saying is that often times what is in the best interest of the client isn't necessarily going to pay a commission. Most companies that will cover ESRD will be close to double the price and once they get the MOO mailer in the mail they WILL be replaced. Do what is right and give them the phone number, and then drive to the next one.

 

[cook920]

Great advice crazymaynard! I have had to give out the MOO phone number on one occassion as well. Hell..........think of it as "Good Will".

 

[0b1kanobee]

The MOO policy here is 20% interest for the first two years ROP. I use a captive MOO agent to write it and they just cut me a check for the commission because it helps with their quota.

The one that returns 10% I could write myself.

 

[TwiLight]

2 yr Guarantee Issue Whole Life Plan and no Med Questions (True GI) with one of our carriers is:

$54.07/mo for 10k on a Female age 65.

 

[jtow]

Looking at a quote with MoO, says it carries an annual policy fee of $36, do most carriers tack these on, or is the fee included in the quoted monthly premium?