FE question

[redzalez]

Who has good rates for someone on oxygen?

 

[insureyou2@]

national states insurance 1800-688-6788 ?

insure all

 

[Newby]

national states insurance 1800-688-6788 ?

insure all

National States is rated so low by AM Best that most E&O Insurance won't cover them. Rated B-

 

[Tx249]

Also their commissions are very low!

 

[insureyou2@]

pays 65% with oxygen use
no mib
no med check
sell the positive
the state insurance commissoner can worry about the rating

i can see you in front of customer this is A- rated company
who gives a s...t but you?
whats AIG rating?
who cares!!

 

[Newby]

pays 65% with oxygen use
no mib
no med check
sell the positive
the state insurance commissoner can worry about the rating

i can see you in front of customer this is A- rated company
who gives a s...t but you?
whats AIG rating?
who cares!!

"the state insurance commissoner can worry about the rating

i can see you in front of customer this is A- rated company
who gives a s...t but you?"

Wow! Obviously you don't.

Good luck with that.

 

[retread]

pays 65% with oxygen use
no mib
no med check
sell the positive
the state insurance commissoner can worry about the rating

i can see you in front of customer this is A- rated company
who gives a s...t but you?
whats AIG rating?
who cares!!

As an agent, we are in a unique position to help our client. If we have knowledge about the fiduciary soundness of companies the client is faced with in selecting a choice, we have a duty to inform him. To ignore this or keep silent is to hurt him.

You must have skipped the ethics course.

"Whats (sig) AIG rating?" --Is a good point which you apparently miss. I wouldn't sell AIG, would you?

 

[insureyou2@]

the post was looking for a company to help someone with oxygen get insurance at affordable rate. What would company would you suggest? I think you just want to trash the post. I would be very intrested in how you would help the client on oxygen (reply if you can)

 

[Newby]

the post was looking for a company to help someone with oxygen get insurance at affordable rate. What would company would you suggest? I think you just want to trash the post. I would be very intrested in how you would help the client on oxygen (reply if you can)

There are a LOT of variables. Age, gender, height, weight, are they opposed to 3-year graded if the payment is lower or would they rather have quicker coverage. Do they smoke? (some people on oxygen still do.) Other health conditions? What size policy are they wanting?

The companies I would look at would be Monumental, Forethought, Royal Neighbors, Cincinnati Equitable, Shenandoah (back on the list since they got bought out last week by an A-rated company) Lincoln Heritage may even be a possibility.

Out of all the final expense companies to choose from...what would make you CHOOSE to send business to National States Insurance? What is attractive about them?

 

[redzalez]

Client is 33yr old female with lupus and on oxygen. Mother is looking to insure her daughter with 10k in coverage and wants the best price.