Equitable Life & Casulaty
- Thread starter agentjhc
- Start date
I like to sell it, when it fits the occasion.
I've written 2 recently. Easy process.
- 17,078
It's basically Americo. But better.
- Thread starter
- #5
Ah...is that a good thing or a bad thing?
- 19,673
They really aren't Americo but their FE business is reinsured by Americo.
Underwriting is similar with a few big differences. One being Equitable will also include eCigs as non tobacco. With Americo they are smokers.
They both are level coverage at a higher rate for COPD not on oxygen. But Equitable moves COPD smokers to their 3 year graded.
But most important of all, you can do a phone interview with Equitable and get an instant decision.
- 1,206
One bad thing about Equitable is they have full charge back if the policy lapses in the first 3 months.
With that exception I really like them.
- 19,673
That is something I did not know. I don't like that.
- 2,960
It seems like every carrier has at least one stupid rule. Some have several.
- 1,206
Yeah, I read it on my comp schedule and called them on it. They said absolutely true and doesn't matter what upline or advance your on. I also believe this is for all products not just FE.
Crazy crazy crazy
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Agreed. Back in the day I only used 5 Star and Aetna. Neither had any crazy rules.
Then 5 Star took a total noise dive and Aetna cut comp on 45-59.
Now I am sick searching through 10 carriers to find the best fit.
