Columbian Not So Guaranteed- Guaranteed Issue

[bigjake]

Yeah I bet. It seems some the large carriers who offer all this overpriced UL and other products would jump in and cover some old and sick folks, but they all have the best and easiest products reserved for career agents.

 

[goillini52]

It seems all the carriers have a catch: The client is too old, or too young, or they are not True GI. Kemper begins at age 40, but seems to be the best I have found other than Gerber, but Gerber is slow with apps and min age is 50. Equitable's graded allows for "no health questions" is expensive and they have face amount of only 10K.

I am looking for a carrier which will write ages 0-90 with all policy types, should anyone know of any.

I just picked up Settlers Life(haven't even got supplies yet) and they probably come close to what you're looking for. 15 days - 85 and an almost GI for age 40-75 (up to $15k). They do a P.O.S. and approve the policy before you leave the applicants home. Competitively priced and an A rated company.

 

[bigjake]

Good thinking. May I ask what contract you got? lol, I could give you one. They are lenient, but some people can only qualify for Bronze plan, the cut off age there is 75.

But check out their DM cards, for the EDDMS, they are great.

 

[goillini52]

Good thinking. May I ask what contract you got? lol, I could give you one. They are lenient, but some people can only qualify for Bronze plan, the cut off age there is 75.

But check out their DM cards, for the EDDMS, they are great.

100% FYC/11% renewals direct with company.

 

[bigjake]

You did well. The most I can offer is possibly 105, but I they may not allow it since they have started getting IMOs involved. I have a message in to them about nonresident licenses and the MGA contracts.

 

[FEX Quotes]

Actually all FE companies are GI using this standard if you think about it. As long as you clear the knock outs, its GI :-)

 

[goillini52]

You did well. The most I can offer is possibly 105, but I they may not allow it since they have started getting IMOs involved. I have a message in to them about nonresident licenses and the MGA contracts.

I was looking for a company that covers all ages and with Settlers, I like what I see! Haven't heard a bad thing about them.

 

[indiana260]

Where are you going to write your 25-40 year old un healthy ones?

The search has begun. I have no idea right this second. I need to find coverage for a37yr old male that lives in a home due to schitzo.

Anyone have any ideas?

 

[Newby]

The search has begun. I have no idea right this second. I need to find coverage for a37yr old male that lives in a home due to schitzo.

Anyone have any ideas?

What part of Indiana? I could write him a Preneed insurance plan if it's to cover funeral expenses.

 

[jdeasy]

100% FYC/11% renewals direct with company.

You can get a higher contract than that with Settlers if you go through an IMO. I did.