Critical Illness

Mar 14, 2007

  1. arnguy
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    arnguy Guru

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    Is anyone on this forum selling Critical Illness coverage (as stand alone)? I would appreciate any comments.:tongue:
     
    arnguy, Mar 14, 2007
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  2. CHUMPS FROM OXFORD
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    CHUMPS FROM OXFORD Guru

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    Metlife used to have a contract. Simple coverage. Simple rate calculations.

    It became available around 2003 and disappeared in 2006.
     
  3. johnrocks
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    johnrocks Guru

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    do u mean like heart attack strokes cancer type policies if so gtlic has one but i have never sold one i have spoken to other agents who have(so they say) been pretty successful with them especially with the lower income people who can't afford a lot
     
  4. BKrocko
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    BKrocko Guru

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    GTL - Guarantee Trust Life Ins. Co., has a product that serves a duel purpose of CI combined with a 10 yr. term life. K-Dub has had success with this product as an add on to individual health policies. Reasonable cost for the right age bands.

    .............Sorry Johnrocks - I didn't see your post prior to this one.
     
    Last edited: Mar 15, 2007
    BKrocko, Mar 15, 2007
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  5. johnrocks
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    that's ok glad u posted maybe i will start sharing this product with some of my clients if they are in the age bands
     
  6. arnguy
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    arnguy Guru

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    I was thinking more along the line of stand-alone coverage of many different major illnesses.:biggrin:
     
    arnguy, Mar 15, 2007
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  7. somarco
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    somarco That Medicare Guy

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    MoO has (had?) an outstanding product. Only one I have seen that is a true health product.

    http://www.mutualofomaha.com/criticalillnessinsurance/index.html

    Most of the rest are built on a life product (GTL, Colorado Bankers, etc.)

    Loyal American has one that is a rider to an Accident plan.

    Assurity has one that seems to be decent. Not approved in GA so I haven't studied it that closely. Their plan might be a health product.

    Frankly, if you look at the way the products are worded, chances of anyone collecting is slim. I think most of the CI products are more sizzle than steak.

    http://www.westernsouthernlife.com/ps/ProductSubCategoryList.asp?sCategoryId=1004

    http://www.unitedamerican.com/cancer_uaoffers.asp
     
    somarco, Mar 15, 2007
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  8. James
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    James Guru

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    James, Mar 16, 2007
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  9. arnguy
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    arnguy Guru

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    Thank you somarco and james.:cool:
     
    arnguy, Mar 16, 2007
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  10. Biggz33
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    Biggz33 New Member

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    arnguy,

    I've sold CI policies stand alone with United American and now with Mutual of Omaha. I like MofO's muchhhh better though. Let me know if you want more info.
     
    Biggz33, Mar 21, 2007
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