- 19,673
That's quite a range. I just at a 65 year old male smoker for $10K. There's $18/mo difference between settlers gold and silver.
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- Thread starter BoomBoom68
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That's quite a range. I just at a 65 year old male smoker for $10K. There's $18/mo difference between settlers gold and silver.
Hey JD, I'm not sure where they fall in on FE as I use them for med supps. But the rate for a 60 year old female non tobacco is $35.65 and for age 60 male NT is $47.97, A 70 is 60.95 and 78.94, a55 28.03/38.86, a85 will set one back 145.90/ 189.19. Rates are for 10k.
Would be curious how this compares to KSKJ (available in PA I believe). I mentioned them because not only do they not discourage phone sales, they seem to aggressively promote it.
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- 19,673
I just looked at the age 60 and 70. Age 60 KSKJ beats that $5/mo on the female and $11/mo on the male
Age 70 $11/mo on the female, $19/mo on the male.
KSKJ allows phone sales but they do discourage it.
At that age on a smoker, it is almost exactly the same as Settlers Gold....$82.27( 44 cents cheaper than Gold). . On a non smoker Male 65, Settlers Gold is $56.53, Silver $66.22 and Cigna $61.01.
Wow, that's a leap of faith if I ever saw one. Do they have a debtor's prison for agents back at the home office?
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Yea it's a fraternal though.
- 19,673
- 4,130
can we just not reopen the fraternal debate?
- 19,673
Why do they need back up? I've found them to be more responsive to the members and agents.
I've written enough business over the years to form an educated opinion on what I prefer to offer to my clients.
There was a time when even I said that, all things being equal I would prefer to not write a fraternal. But all things are not equal and I have changed my mind on that anyway.
All things being equal today I would chose a fraternal first.
If someone doesn't agree with that then they can just not write fraternals.
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