Carrier that Will Approve Anyone?

[SomeDude99]

I searched the forum for this but couldnt find a conclusive answer. Which carrier is known for approving a High percentage of people with medical issues? Would the best be monumental or someone else?

Im getting confused with Transamerica and Monumental. Are they the same for FE? Ive heard that Monumental doesnt ask for height or weight and requires no phone interview.

Which carrier is the best for covering seniors with medial issues?

Any advice is appreciated.

 

[JimmyUt]

I searched the forum for this but couldnt find a conclusive answer. Which carrier is known for approving a High percentage of people with medical issues? Would the best be monumental or someone else?

Im getting confused with Transamerica and Monumental. Are they the same for FE? Ive heard that Monumental doesnt ask for height or weight and requires no phone interview.

Which carrier is the best for covering seniors with medial issues?

Any advice is appreciated.

It really depends on the issues. Every carrier has their niche that is why most of us carry many carriers. For GI you have kemper and Vantis.

As for Monumental and Trans, whether they are the same or different depends on the state. They don't have a phone interview in house, but sure seem to like them after the fact. There is no height and weight however, at least over age 44.

 

[TDFnCali]

I searched the forum for this but couldnt find a conclusive answer. Which carrier is known for approving a High percentage of people with medical issues? Would the best be monumental or someone else?

Im getting confused with Transamerica and Monumental. Are they the same for FE? Ive heard that Monumental doesnt ask for height or weight and requires no phone interview.

Which carrier is the best for covering seniors with medial issues?

Any advice is appreciated.

Depends! If u want 1-2 carriers that will accept all regardless of price, try SL or LH or a GI company.

If you want to be more competitive, give her clients better pricing depending on their condition/age/sex/tobacco use & not be replaced so easily....then 4-5 diff carriers is your best option.

Try some on these...5Star, RNA, Monumental, Americo, SNL, GPM, Foresters & Vantis!

 

[FEX Quotes]

I searched the forum for this but couldnt find a conclusive answer. Which carrier is known for approving a High percentage of people with medical issues? Would the best be monumental or someone else?

Im getting confused with Transamerica and Monumental. Are they the same for FE? Ive heard that Monumental doesnt ask for height or weight and requires no phone interview.

Which carrier is the best for covering seniors with medial issues?

Any advice is appreciated.

There is no one size fits all company. You will need to have 3-4 companies in your bag to cover all your bases.

 

[msurrano]

I searched the forum for this but couldnt find a conclusive answer. Which carrier is known for approving a High percentage of people with medical issues? Would the best be monumental or someone else?

Im getting confused with Transamerica and Monumental. Are they the same for FE? Ive heard that Monumental doesnt ask for height or weight and requires no phone interview.

Which carrier is the best for covering seniors with medial issues?

Any advice is appreciated.

Im a home office employee for United American, we have simplified issue FE plans. Only 5 health quetions. Just about everyone can qualify.
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oh and we have double digit renewals on our FE, plus we will give you extra money for leads with each sale.

 

[JimmyUt]

Im a home office employee for United American, we have simplified issue FE plans. Only 5 health quetions. Just about everyone can qualify.
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oh and we have double digit renewals on our FE, plus we will give you extra money for leads with each sale.

Give us an example to see if UA's product is something we want to sell.

60 yr old female 10k whole life, immediate benefit. What is the premium?

 

[msurrano]

about $45 a month, keep in mind this is our series 1, we have two series. Series one is going to be more premium, simply due to the fact that its simplify issue, no physical exams, just about everyone will qualify. This is also a real policy not a certificate. I also have 21 pay- paid up after 21 years, gains 5% on face amount every year its in force, so at 20 years the face amount will double. I also have a 10 year guaranteed renewable term, guaranteed renewable to age 120. On the 10 renew. term we offer a deposit fund rider. Basically client makes their premium payment and can send in additionaly money, a minimum of $5. They will earn 3% guaranteed on the extra money they put in. They have immediate access to their money. They can put up to the face amount.

 

[FEX Quotes]

Give us an example to see if UA's product is something we want to sell.

60 yr old female 10k whole life, immediate benefit. What is the premium?

United American: 60 year old female, non tobacco, 10k :: 45.73/mo

Not too competitive
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about $45 a month, keep in mind this is our series 1, we have two series. Series one is going to be more premium, simply due to the fact that its simplify issue, no physical exams, just about everyone will qualify.

With all due respect there are many other simplified issue products in the market that have very similar, if not identical underwriting and are priced less than half of the UA rate.

 

[Agentguy5]

United American: 60 year old female, non tobacco, 10k :: 45.73/mo

Not too competitive
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With all due respect there are many other simplified issue products in the market that have very similar, if not identical underwriting and are priced less than half of the UA rate.

Ok, so how do you know that and I don't? Since I have an account with fexquotes and I don't see United American on there...
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about $45 a month, keep in mind this is our series 1, we have two series. Series one is going to be more premium, simply due to the fact that its simplify issue, no physical exams, just about everyone will qualify. This is also a real policy not a certificate. I also have 21 pay- paid up after 21 years, gains 5% on face amount every year its in force, so at 20 years the face amount will double. I also have a 10 year guaranteed renewable term, guaranteed renewable to age 120. On the 10 renew. term we offer a deposit fund rider. Basically client makes their premium payment and can send in additionaly money, a minimum of $5. They will earn 3% guaranteed on the extra money they put in. They have immediate access to their money. They can put up to the face amount.

You have my attention but what EXACTLY are the 5 questions?

 

[msurrano]

Ok, so how do you know that and I don't? Since I have an account with fexquotes and I don't see United American on there...
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You have my attention but what EXACTLY are the 5 questions?

glad you asked, can only copy and paste them. If you want to private message me with your email, I will be more than happy to send you a snap shot of the questions.