Best Go to Carrier

[pcbinsurance]

I'm not worried about getting replaced writing United Heritage (my first-year persistency after 9 months is 99.3% with United Heritae).
*************
Wow....to have a 99.3% persistency, you would have had to write a ton of cases! Even losing 1 of 100 cases, your persistency would be 99%.

 

[indiana260]

Ahh, but are they in Florida?

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Ok James, Have you put any Insulin Dependedant Type 1 Clients with Transamerica for PREFERRED?

According to the underwriting guide, this is doable.

I have not. I am pulling out the guide now to see what your talking about. You can go standard but to my knowledge not preferred.

I looked it up in the guide and don't see where it says you can get preferred wroth insulin use.

Can you point me in the direction

 

[peteybear]

Forget trans for insulin. Have to be off it for 2 yrs or its standard. That's there one weak spot. With so many people on depression meds how did you write so much 5 star. At least snl is very flexible. Agent 5 will you still write 5 star?

 

[agentjhc]

Are Oxford and Equitable competitive final expense companies?

 

[Birdman300]

Are Oxford and Equitable competitive final expense companies?

Oxford is very competitive
Equitable is on the higher end

 

[bboman23]

Oxford is very competitive
Equitable is on the higher end

70/F NT 10k
Oxford 52.17
Equitable 53.46

 

[agentjhc]

70/F NT 10k
Oxford 52.17
Equitable 53.46

How is there UW ?.........

 

[Agentguy5]

I have not. I am pulling out the guide now to see what your talking about. You can go standard but to my knowledge not preferred.

I looked it up in the guide and don't see where it says you can get preferred wroth insulin use.

Can you point me in the direction

I am looking at the newest Prescription Guide
REV: 02/28/2014
for ages 45 and up.
Page 17
Humalog and Humulin Over 2 years-Preferred

 

[bboman23]

How is there UW ?.........

It's pretty good. Email me I'll send you a cheat sheet.

 

[bookshl]

My two goto companies are Mutual of Omaha and Transamerica.
Mutual of Omaha will take insulin diabetics as long diagnosed after age 50.
They do not have a phone interview and pay on issue. I wrote a case last Monday 12-29-14 and the client received the policy the following Monday 1-5-15.
That is their typical turn around time. They have become more friendly on underwriting than their were in the past.

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My two go to companies are Mutual of Omaha and Transamerica.
Mutual of Omaha will take insulin diabetics as long diagnosed after age 50.
They do not have a phone interview and pay on issue. I wrote a case last Monday 12-29-14 and the client received the policy the following Monday 1-5-15.
That is their typical turn around time. They have become more friendly on underwriting than their were in the past.