Copd Oxygen

[FEsalesNC]

If they die in the first 12 months it's 100% chargeback...months 12-24 is 50%.

Thanks. Isn't that actually the best available as far as GI goes?

 

[goillini52]

Thanks. Isn't that actually the best available as far as GI goes?

No...Kemper's 100% months 1-6/75% months 7-12. I think NGL(Settlers parent) is similar to Kemper.

 

[DC2188]

If they die in the first 12 months it's 100% chargeback...months 12-24 is 50%.

I thought with Gerber GI your payed as earned and there is no charge back, or is there no charge back if they cancel?

 

[goillini52]

I thought with Gerber GI your payed as earned and there is no charge back, or is there no charge back if they cancel?

It is as earned. If they die, Gerber takes it back. They're Indian Givers.
V
V
V
B. Compensation will only be paid on collected premium.
C. With respect to the Guaranteed Life the following special rules shall apply:
1. If the insured dies within the first policy year, 100% of the compensation paid shall be returned to Company.
2. If the insured dies within the second policy year, 50% of the compensation paid shall be returned to Company.
3. Policy year is defined as the 12 months following the date that a policy becomes effective.

 

[HoosierLife]

Hey that's my line

There's nothing new under the sun

 

[Todd King]

No...Kemper's 100% months 1-6/75% months 7-12. I think NGL(Settlers parent) is similar to Kemper.

NGL's is 100% chargeback in the 1st 6 months and 50% in the 2nd 6 months. No chargeback for accidental death and no chargeback for lapses and surrenders, unless there is an advance amount that hasn't been earned yet.

 

[GoPokes]

Do any if these companies have GI up to age 85?

 

[peteybear]

I think moo does but you can't sell it.

 

[Bcrane0305]

I think moo does but you can't sell it.

Lincoln heritage is almost gi up to 85. Including dementia

 

[goillini52]

Lincoln heritage is almost gi up to 85. Including dementia

If it's GI, it includes everything.