Guarantee Issue Term Life Insurance Carriers

[Phillyinsuranceguy17]

I used to be contracted with RBC and HSBC that did this but I was wondering if anyone knows any carriers (other than Fidelity Life whom I'm contracted with already), that offer a rapid decision app? Also interested in mortgage protection carriers if anyone knows of any with good payouts. Input is much appreciated, thank you

 

[Mattschmidt]

not too many will do a guaranteed application...Most companies like to issue policies to people who aren't about to die.

 

[AllGold]

Yeah, there is a BIG difference between rapid decision and guaranteed issue. Which are you really asking about?

 

[scotte]

For rapids apps try Assurity, they pay better than Fidelity.(who just screwed up their RDT).

 

[Josh]

I think UHL had a graded term product like fidelity.

 

[Mattschmidt]

I think UHL had a graded term product like fidelity.

I think the op was looking for gi term. Not non med products

 

[Josh]

I think the op was looking for gi term. Not non med products

The Fidelity product he mentioned isn't GI either.

Graded term is different than non-med.

 

[Phillyinsuranceguy17]

Thanks for the response guys. I actually spoke to Assurity, looks like we have a winner. They write up to $350k with no medical exam and just a quick MIB and RX hit. You are correct about payouts though, def better than fidelity. Thanks again