FEXQuotes for Beginners

[goillini52]

Then KSKJ and new Era should show up under modified since it's ROP

But they'd be the best Modified.

 

[bboman23]

But they'd be the best Modified.

Yes they would, but it would clear the confusion. If there is not an immediate benefit it goes in ROP

 

[FEX Quotes]

I agree. When you run Graded/Modified, companies that have both Graded and Modified...like Foresters, it shows a Graded and a Modified.

Then you have KSKJ and New Era/Philadelphia American that call theirs Modified, when it's really a Modified/Graded . ROP the 1st year, the true Graded after that.

KSKJ and New Era are correct by calling it modified.

This is how most of the industry works and should be adopted as standard language..

1. Graded: some variance of percentage of DB in the first 2-3 years
2. ROP: return of premium usually with interest in the first 2-3 years
3. Modified: Combination of ROP and Graded

 

[goillini52]

Yes they would, but it would clear the confusion. If there is not an immediate benefit it goes in ROP

That'll work. .

----------

KSKJ and New Era are correct by calling it modified.

This is how most of the industry works and should be adopted as standard language..

1. Graded: some variance of percentage of DB in the first 2-3 years
2. ROP: return of premium usually with interest in the first 2-3 years
3. Modified: Combination of ROP and Graded

There you go. I like that.

Don't forget Level.

 

[FEX Quotes]

Yes they would, but it would clear the confusion. If there is not an immediate benefit it goes in ROP

Maybe we should just combine all graded, ROP, modified and GI into one new category..

TRUMP (basket of deplorables)

* Those who know me realize this is just a joke. I am a Trump supporter

 

[goillini52]

Maybe we should just combine all graded, ROP, modified and GI into one new category..

TRUMP (basket of deplorables)

* Those who know me realize this is just a joke. I am a Trump supporter

I didn't know that, but I would've guessed that you wouldn't support Crooked Hillary.

 

[FEX Quotes]

I didn't know that, but I would've guessed that you wouldn't support Crooked Hillary.

Hopefully the old nag has finally been put out to pasture. She can live out her years grazing in the fields in Chappaqua, telling Bosnian war stories to her grandchildren.

 

[goillini52]

Hopefully the old nag has finally been put out to pasture. She can live at her years grazing in the fields in Chappaqua and telling her Bosnian war stories to her grandchildren.

That's one evil bitch! She's toast. Thanks for helping Vladimir.

I think Trump would've won anyway, just gave him a little more breathing room.

 

[Agentguy5]

 

[Todd King]

If you use the term "Limited Coverage" it would just as easily get confused with "Limited Pay" as Graded and Modified are now.