FE-Help!

[smartweb2000]

I am fairly new to FE. I have need help placing this person. 70y/o and is currently on Oxygen. He has an issue with one of his lung 12 years ago and it was not working well. After 2 years, the Dr. recommend he uses the Oxygen and for the last 10 years he has been on the Oxygen and has been fine. I have ask questions and since English is his second lang. and he doesn't know what he has been diagnose with. The only way I would know what the diagnose is to pull his medical record.
He is in MN. He is looking for FE roughly about $60K. The average funeral expense for his culture is $60-75K. Are there any FE companies out there that would do this? A company that would ask medical questions or nonmedical question but have no issue with this type of condition.

 

[jdeasy]

I am fairly new to FE. I have need help placing this person. 70y/o and is currently on Oxygen. He has an issue with one of his lung 12 years ago and it was not working well. After 2 years, the Dr. recommend he uses the Oxygen and for the last 10 years he has been on the Oxygen and has been fine. I have ask questions and since English is his second lang. and he doesn't know what he has been diagnose with. The only way I would know what the diagnose is to pull his medical record.
He is in MN. He is looking for FE roughly about $60K. The average funeral expense for his culture is $60-75K. Are there any FE companies out there that would do this? A company that would ask medical questions or nonmedical question but have no issue with this type of condition.

He will have to have an ROP policy. To get to that amount he will have have more than one. Presidentail will go to $50,000. But you should check to make sure it's not different in that state. Then add MoO and/or Vantis to get the additional amount.

 

[smartweb2000]

jdeasy

This client is in MN. Can Presidential still do this? I am not trying to be difficult but I was told that MN is harder to do for people who have health issue and would like guarantee issue policy. Is this true?

Also who is MOO and Vantis. Can I get Presidential, MOO and Vantis information so I can get more guideline on this?

I already watch your interview and I think you are awesome. I would love to learn from you.

Thanks

Kay

 

[theinsuranceman]

What culture is your prospect?

 

[Newby]

jdeasy

This client is in MN. Can Presidential still do this? I am not trying to be difficult but I was told that MN is harder to do for people who have health issue and would like guarantee issue policy. Is this true?

Also who is MOO and Vantis. Can I get Presidential, MOO and Vantis information so I can get more guideline on this?

I already watch your interview and I think you are awesome. I would love to learn from you.

Thanks

Kay

When you agents are listening to JD's recordings, you are more than welcome to poke around the web site a bit. If you did that you would know who Vantis is. You can find out about them here http://fexcontracting.com/vantis-life-guaranteed-issue/

The MOO is a GI product sold direct to consumers by Mutual of Omaha. Agents can't sell it. You can find it on the Internet and help him sign up though.