I'm not going to make a habit of this...but I'm looking for a company to place a FE case with.....69 F non smoker currently paying $188/month for $50k. Is there a company that can beat that???? The kicker is she does not want to take a paramed blood or urine. Thanks in advance.....
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- Thread starter jemelton
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- 19,673
RNA would do it for $165/mo. Must have an exam. Since that's out, you won't beat that rate with a whole life anywhere.
Are you sure she has whole life now? Really doubtful unless she has had it for several years.
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About $110 for $50,000 or better yet, $75,000.00 for about $169
GULs, have to be underwritten though.
Or $50,000 20 pay for about $141.
Or Use the same premium she is paying now to make it an even shorter pay.
Or..........
sorry, to much coffee......
GULs, have to be underwritten though.
Or $50,000 20 pay for about $141.
Or Use the same premium she is paying now to make it an even shorter pay.
Or..........
sorry, to much coffee......
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She has had it for 2 yrs.....are all of these fully underwritten with exam? The underwritten part isn't the problem....she just refuses to do an exam of any kind.
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- 26,179
Yes, mostly Genworth and Protective/WestCoast.
Many time people say "no exam" I say no problem. I understand, A lot of my best clients have felt the same way, Let just show you what I found. Then you decide. What ever you want to do is what we will do. Feel, Felt, Found
Then I show them a side by side. Maybe a Ben Franklin out about ten years. All that extra money they sent to the old company. Or the extra $25,000 you could send to Suzy (Bene)
These quotes were based on STD Non. So I let her know that the company really does not care about controlled HBP etc...
ps.... I know this was a FE question ...... Just tossing in an option
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- 19,673
Unless your client had an exam 2 years ago, it is not whole life. There is not a SIWL availabe for a 67 year old at that rate for $50,000. Norwas there two years ago.
If it's permanent insurance, it's UL. The only other explanation is that she did have an exam. That was available at that rate for whole life. Even could have done better.
- 26,179
If it was UL, she may have rated. Or she does not have what she thinks she has. What company?
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