- 5,309
Male, 59, NS, insulin.
Trying to beat a Colombian plan by a significant margin.
What are the top 5 most competitive?
Trying to beat a Colombian plan by a significant margin.
What are the top 5 most competitive?
FEXQuote Me
- Thread starter Rearden
- Start date
I have attached a FEX quote.
Americo's UP1 may be the ticket as they are a good fit with insulin.
Americo's UP1 may be the ticket as they are a good fit with insulin.
- Thread starter
- #3
- 5,309
Sorry -- looking for 25k, preferably 30k.
Here is $30k. Still would recommend Americo
- 133
Americo is normally good for insulin dependent diabetics. 5 Star is also good as long as they started taking insulin after age 40. Looks like in Tenn 5 Star would be $95.41 and Columbian would be $104.86 for 25K. 25K is 5 Star's max. Americo is a much better option at $30,000 for $118.11.
- Thread starter
- #7
- 5,309
Looks like I will use Oxford to replace; I can add another $5000 for 9 bucks more a month than he's paying. Or add $2500 for the same premium.
His $25K CL is a year old.
His $25K CL is a year old.
I thought Oxford was not kind to insulin?
Save $ 2.00 and go with a B rated company? To me this would be setting yourself up for the other agent to come back and stomp in your Wheaties. If you have the capability to offer GPM as well as Oxford, at the very least I would explain the two prems to the client as well as the financial ratings of each company and let the client decide. At least this way you have covered the fionancial strength and would eliminate the other agent from vilifying you if it is the client who made the choice for the B++ rated company. Yes, not much difference than an A- rated company in reality... but better to air this up front with the client.
You didn't mention what the prem was that you are competing against. Also, at what age did client begin insulin and how many iu taken daily now? Any complications from the diabetes? Good luck it sounds like a good sale.
You didn't mention what the prem was that you are competing against. Also, at what age did client begin insulin and how many iu taken daily now? Any complications from the diabetes? Good luck it sounds like a good sale.
- 17,077
Oxford is great with insulin. They used to be my go to company for diabetics before 5-Star came along.
