LH is as good as the IMO. Just like any other IMO, In Pittsbugh, it is the Miles group, they are non-captive. The rates are a little higher, but you can place anyone. If you need training, and lead financing, check them out. LH gets a bad rap, here. Check things out yourself.
EFES or Securus in Pittsburgh Area
- Thread starter Bozack23
- Start date
- 19,648
- 11,280
I am replacing a 4 yr old LH policy tomorrow. I'll be saving the lady $3 a month and she is getting back about $700 in CV.
- 19,648
I'm replacing on a guy that he has had for 5 years. The premium is about $2 less per month and he has almost $800 cv coming to him.
You would think that stuff wouldn't be possible if you didn't see it for yourself.
- 11,280
jdeasy said:
I don't run into LH as much as you and Scott but they are great to come across...
- 19,648
- 26,134
Depends on if the contestability period was explained before hand and how much they value the surrender check.
1. JD works KY and if the replacement takes place there, there is no new contestable period.
2. What good would it for the client to return to LH? If there is a new contestable period on teh policy that JD wrote, there would also be one on a new LH policy or a reinstated LH policy. The client would be paying more money for nothing.
3. Contestability is only a problem if the insured does not reveal the truth on the application.
Last edited:
- 26,134
I think he was suggesting it would be reversed. If not, no way.
I always poison the well any way.
