carrier help needed?

[PhxSunsFan]

65 female smoker arkansas ht wt ok.. direct express only . my underwriting showed only taking a bp med but apptical for snl came back as modified bec of a drug..no mention, of course.. I declined the snl modified.. gtl no direct express..
gerber offering 8k for 50.00.. her budget.. client doesnt want the 2 yr wait.. any suggestions? thanks

 

[PhxSunsFan]

update.. thinking withoiut knowing why she got put in modified.. not much to do with her?? maybe take the snl modified?? thanks

 

[DonP]

Try prosperity. Might get graded 35/70/100 pays full comp and takes de card

 

[PhxSunsFan]

prosperity graded only gives 5650 in coverage vs 7000 for aig./ which would you recommend? thinking aig bec she might not qualify for graded prosperity

 

[DonP]

Lol you really need to learn your products . Aig doesn't have a pray in hell of sticking on the books even 2 payments with a De card . Worst drafting on earth . Prosperity has true ss billing . . Your doing the client a favore as they'll have coverage .

 

[PhxSunsFan]

didnt know aig that bad.. I do have a client still got no policy.
prosperity $50.00 for yr 1, 30,, yr 2 70 and 5650 vs 50.oo for aig. 7,000 at year 3.
do I not let the addl face from aig influence the decision?

 

[PhxSunsFan]

I tried prosperity.. their apptical app is recognizing her de card as a credit card and wont allow it to go thru

 

[DonP]

No yourself ( higher commish ) and client a favor . " Miss Jones I'm trying to get you some type of first yr coverage . Let's try to qualify for this . If we can't get then we'll do Aig .

 

[PhxSunsFan]

makes sense.. any thoughts on prosperity prime to 100 face 7790 ( yr 1 rop, yr 2 30%, yr 3 60% yr 4 100 vs prosperity graded face 5650 yr 1 30%, yr 2 70%, yr 3 100%
both for prem of $50 with de card..