- 30,592
It's not Graded...
...it's Modified.
Graded/GI options
- Thread starter Jon Dough
- Start date
...it's Modified.
So is the UHL plan.It's not Graded...
tribetime32
Guru
- 377
No arguments there. It just offers better coverage than GI for health conditions such as congestive heart failure and Alzheimer's/dementia. Also, it pays much better which if we are all being honest is important. Definitely put the client first, but you don't work for free. I believe UHL has a beautiful solution to this.
I was just picking at the Monkey.. One of his pet peeves is calling modified plans graded. However, I have notice even some companies are doing it..
- 30,592
And Equitable and SLAICO, and I'm sure there are others.
It just annoys me when companies call a Modified plan Graded. SNL's the worst about it. It's very confusing to new agents and probably leads to agents giving misinformation to their clients.
Yeah, I know.. When you get to be as old as you are, you just turn into an old grouch..
- 30,592
You know...I think you're right. You must be REAL grouchy.Yeah, I know.. When you get to be as old as you are, you just turn into an old grouch..
- 598
Except in AR and other states that have more restrictive laws about GI stuff. It is true graded in them.
- 6,134
Arkansas, Pennsylvania, Kansas and Nevada is 30/60. So someone with Alzheimer's could get a 30/60% policy and the agent makes full comp. Same with CHF and several other conditions.
- 1,410
Just going by what they call it :PIt's not Graded...
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