smarshall912
New Member
- 4
I have a client who's on Dialysis, in Georgia and his daughter want to purchase a Life Insurance Policy for him. Is there a carrier that will insure this client..
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I have a client who's on Dialysis, in Georgia and his daughter want to purchase a Life Insurance Policy for him. Is there a carrier that will insure this client..
Give them the number to MoO. There is not a better deal out there for him. 1-800-801-5207.
No one will insure him at immediate coverage. The MoO is a 2 year ROP plus 10%.
That's pretty much what I do for ALL FE requests from my clients (not just dialysis folks). The United of Omaha plan is the least expensive I've seen for anyone. If there is a carrier that is close to their rates I'd like to know about it and then maybe I would actually offer FE to my clients.
Just about all FE companies beat the rates of MOO if they are anywhere close to healthy and don't smoke. Plus they have immediate coverage AND an agent.
Sounds like you are costing yourself quite a bit of income AND pointing your clients to a worse deal.
If you want company names that beat MOO look at Settlers, RNA, Oxford, Foresters, to start with.
I'm not sure we are talking about the same plan (maybe we are). I generally refer my unhealthy folks who ask about FE to United of Omaha. $10k 74 year old male is $89 per month and $69 for a female the same age. This is offered by United of Omaha. Yes I realize they are owned by MOO, but MOO has a different plan than United of Omaha.
As I have mentioned before on this forum, I am certain that I am leaving money on the table since I don't market FE. I don't have a ton of folks ask about it and those who do are the ones who need the GI plans (i.e. - graded benefit).
If there is something better for them than what I've just listed (graded benefit), I am all ears.
That's pretty much what I do for ALL FE requests from my clients (not just dialysis folks). The United of Omaha plan is the least expensive I've seen for anyone. If there is a carrier that is close to their rates I'd like to know about it and then maybe I would actually offer FE to my clients.