Great RNA News!!

[moonlightandmargaritas]

We pretty much get what we pay for in life, wouldn't you agree?

No, I wouldn't agree. There's all kinds of overpriced/low quality crap foisted daily upon the unsuspecting public - mainly the fault of the stupidity of the unsuspecting public.

Note - not saying this applies to you and/or your product.

 

[WinoBlues]

For the immediate coverage I believe some would enjoy the immediate coverage at a higher premium. We pretty much get what we pay for in life, wouldn't you agree?
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Who said anything about a healthy spouse? We're talking about someone taking Carvedilol, furosemide, or lasix. Of course, if you represent multiple Co.'s, you could put each with a separate Co.

Sounds like since you like to write for several Co.'s, with each Co. having its own niche, that SL would be a good addition for your ammo for these types of situations, not even mentioning insulin dependent diabetics getting their super-preferred rates.
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I must have misunderstood your comment about the higher premium being justified by the looser underwriting. And I assumed everyone got this policy regardless of health. My error.

I would write SL in a heart beat if it fit my needs. I do not always write the cheapest policy but try to fit the policy to the need. Sometimes cheapest is the best other times it is the worst.

Oh, and would I recommend a higher priced level plan over a lower priced graded plan? Absolutely, if it was the correct option.

 

[jacobtn]

There is never a reason to use Sr Life. For every case one claims they can write on a level plan, there is an AM Best rated carrier, with a cheaper rate that will do it.

Sr Life has no place in an agents briefcase. Unless it is on cancellation letters, signed by the client. Who uses a company with a worthless joint first to die policy, where the surviving spouse is left with no insurance coverage, and the premium is higher than what they could each get a policy for. Unreal.