Fully UW $20K

[WinoBlues]

The companies that write a FU plan under 25K face will be within a couple of $ of your 25K rate.. Wouldn't really make much sense..

Sagicor GUL $35. if std

 

[jdeasy]

When you offered RNA's $25000 for $47/mo and he balked that was a sign.

Where's Bill Engvall when you need him?

I got a guy 51 M NT that wants 20K in coverage for $40/mo. He's been shopping around. He's healthy. His only med is Xanax for anxiety.

He didnt want RNA 25K for $47/mo. He wants exactly $20K.

Does any company do a fully UW product under $25K? And what's the price. Thanks.

 

[Agentguy5]

When you offered RNA's $25000 for $47/mo and he balked that was a sign.

Where's Bill Engvall when you need him?

Yeah, this guy is playing games. Should have closed this guy or walked away.. atleast that's what I do... ok, I don't have a lot of patients for the nonsense...lol

 

[indiana260]

Columbian caring solutions FUWL has minimum of 20k face.

 

[Todd King]

I got a guy 51 M NT that wants 20K in coverage for $40/mo. He's been shopping around. He's healthy. His only med is Xanax for anxiety.

He didnt want RNA 25K for $47/mo. He wants exactly $20K.

Does any company do a fully UW product under $25K? And what's the price. Thanks.

CSA will go down to 10K.

 

[indiana260]

CSA will go down to 10K.

Who is CSA? I saw some literature on them recently but thought they must had gone out of business. Now I guess I assumed wrong. I dc there anything they are good at that makes them with having

 

[Todd King]

No, they are still in business and have been for quite a few years now....about 156 years.

 

[SportsNut]

Does any company do a fully UW product under $25K? And what's the price. Thanks.

Agree with others, there is more here than meets the eye. Plus, anxiety may or may not fit fully u/w parameters in every case depending upon the severity; [things like 40.11 doesn't work, I wanted a 40.00 prem, not 39.99 either]. However, Motorist Life Ins Co does offer a fully u/w product with great rates, issue down to 10K face. I've lost touch with the product and do not have a current rate sheet or other details.

Last time Todd King and I chatted, he was about to pick up a contract with Motorist... so maybe he can chime in here. Absent Todd having that connection, Gordon Mkting offers the Motorist contract, last I knew. I have had a couple of cases approved with Motorist where anxiety was an issue, back when I did offer them.
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I just checked Gordon's website and do not see Motorist listed any longer, so maybe they have stopped handling them, not sure. They are a P&C company primarily, with a life co, and offer the product thru P&C agencies but you wouldn't find one of them offering you a decent contract. Again maybe Todd has the answer.... YO TODD!!!

 

[Newby]

Agree with others, there is more here than meets the eye. Plus, anxiety may or may not fit fully u/w parameters in every case depending upon the severity; [things like 40.11 doesn't work, I wanted a 40.00 prem, not 39.99 either]. However, Motorist Life Ins Co does offer a fully u/w product with great rates, issue down to 10K face. I've lost touch with the product and do not have a current rate sheet or other details.

Last time Todd King and I chatted, he was about to pick up a contract with Motorist... so maybe he can chime in here. Absent Todd having that connection, Gordon Mkting offers the Motorist contract, last I knew. I have had a couple of cases approved with Motorist where anxiety was an issue, back when I did offer them.
____________________________________________

I just checked Gordon's website and do not see Motorist listed any longer, so maybe they have stopped handling them, not sure. They are a P&C company primarily, with a life co, and offer the product thru P&C agencies but you wouldn't find one of them offering you a decent contract. Again maybe Todd has the answer.... YO TODD!!!

I picked up Motorists a several months ago. I've sent several cases through them that we're very healthy and all have been declines on their fully underwritten. I didn't roll it out to the agents because of that.

I've got it available if anyone wants it. I also built an excel calc for the fully underwritten.

 

[SportsNut]

I picked up Motorists a several months ago. I've sent several cases through them that we're very healthy and all have been declines on their fully underwritten. I didn't roll it out to the agents because of that.

I've got it available if anyone wants it. I also built an excel calc for the fully underwritten.

What were the general conditions of those declines? I've had decent success with them albeit on an abreviated basis... maybe 8 to 10 cases or so. Not all were seniors tho.

So what would the rate be for a M 51 NS for 20K; [if issued].
Also how does the fully u/w Motorist rates stack up to Cincy Life fully u/w on low face amounts...? You've also got them too, right...?