For The Healthy Senior, Who Has Good Fully Underwritten Products?

[TPAAgent]

I don't get why everytime there's a d*ck swinging contest between 2 or 3 different companies you all frekin haggle over a couple bucks difference

Some of you drop your pants because you found some company thats $4 cheaper

Seriously?

 

[deadhead]

Who was swinging? Just showing different options

 

[inreverse]

Having a competitive fully underwritten for under 25K death benefit is a nice tool to have in my bag

 

[houcoogster]

I don't get why everytime there's a d*ck swinging contest between 2 or 3 different companies you all frekin haggle over a couple bucks difference

Some of you drop your pants because you found some company thats $4 cheaper

Seriously?

I agree, Isn't a human heart, mind and soul worth something? What about the values of the co. Do they support certain causes..ect.

 

[WinoBlues]

I don't get why everytime there's a d*ck swinging contest between 2 or 3 different companies you all frekin haggle over a couple bucks difference

Some of you drop your pants because you found some company thats $4 cheaper

Seriously?

I think we were flopping them out comparing size(of the death benefit). And premature stopping payments. I rarely compete over a few dollars.

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I agree, Isn't a human heart, mind and soul worth something? What about the values of the co. Do they support certain causes..ect.

Yeah, do they only write 50 and over or can we quote 30 year old young Americans? And do they have to be robust or can we feel for the poor young hard bodies?

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[gordon112]

There is several ways to write younger folks under 15 and those just staring a family in there 20's or 30's. There will be many life changes so something flexible or a blended idea might work best.. You first need to determine there needs, budget, debt (if any), and what there long term concerns are as well as short term.

20pay or 10pay for just the funeral expense concern and some small debts might fit the bill... with all the guarantees it is a loaded bazooka solution but budget has to be considered and future needs.

Whole life with the guarantees is another option that gives them the benefits with the guarantees as it locks in a level premium and guarantees the death benefit.

Term is the low cost immediate solution that provides more coverage for your dollar.

You can also add in ROP, low cost riders for children and infants, and other options that might trigger and uncover a clients hot button.

 

[deadhead]

There is several ways to write younger folks under 15 and those just staring a family in there 20's or 30's. There will be many life changes so something flexible or a blended idea might work best.. You first need to determine there needs, budget, debt (if any), and what there long term concerns are as well as short term.

20pay or 10pay for just the funeral expense concern and some small debts might fit the bill... with all the guarantees it is a loaded bazooka solution but budget has to be considered and future needs.

Whole life with the guarantees is another option that gives them the benefits with the guarantees as it locks in a level premium and guarantees the death benefit.

Term is the low cost immediate solution that provides more coverage for your dollar.

You can also add in ROP, low cost riders for children and infants, and other options that might trigger and uncover a clients hot button.

For young families I always blend coverages. I use the WL for the permanent final expense needs and a term or GUL for the temporary needs such as college or home payoff.