Final Expense for 87 Yr Old?

[Agentguy5]

Security National Life!

 

[VolAgent]

An 87 year old can only get the level plan, so none of that about Graded or Modified matters. Also, they don't care about back surgery unless it has left the person in a wheelchair, nursing home, or some other lasting effect.
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I think just about everything that happens to an 87 yr old has a lasting effect.

Of course it does, but it doesn't mean they would not qualify for American Continental. You could qualify for coverage the day after you get out of the hospital from back surgery. About the only thing American Continental is strict about in the amount of insulin you can use. They have to have one of the easiest apps for which you can qualify for immediate coverage.

 

[Mattschmidt]

http://fexcontracting.com/wp-content/uploads/2012/08/Aetna-AmCont-Agent-Contracting.pdf

Page 11 "We will charge back any paid but unearned commissions or other compensation that result from lapsed, cancelled,
surrendered, rescinded, or not taken policies based on the portion of the refunded or uncollected premium. In addition, we will
charge back commissions paid due to the death of a policyholder which occurs either within 6 months of the policy effective
date for the Graded Benefit Plan, or within 12 months of the policy effective date for the Modified Benefit Plan. Commissions
on policy reissues, exchanges, reinstatements or replacements between and within Company and Company affiliates are
subject to the Company's compensation rules. In any case where a commission or other compensation charge back is due
the Company, the Company may offset the commission or other compensation charge back amount against any commission
or compensation otherwise payable to you by the Company or any affiliate of the Company."


" In addition, we will
charge back commissions paid due to the death of a policyholder which occurs either within 6 months of the policy effective
date for the Graded Benefit Plan, or within 12 months of the policy effective date for the Modified Benefit Plan."

Is what I'm talking about.

as an agent, I'm more worried about getting my clients coverage as opposed to will I have to pay back commissions, or what my commission payment is...Put clients needs ahead of yours

 

[WinoBlues]

as an agent, I'm more worried about getting my clients coverage as opposed to will I have to pay back commissions, or what my commission payment is...Put clients needs ahead of yours

I feel that I am a good client oriented agent. However, I am also a business owner. I make choices balancing both. But the weight goes to my family business.