Guaranteed Issue Under 40?

[WinoBlues]

Reading through some threads looking for this information I saw a few times that Columbian didn't take folks who are on dialysis or HIV or some other terminal illness. Has that changed?

Thanks

Just a note: not sure about Mississippi but I believe Columbian is a three year ROP. I would take Ben up on his generous offer.

 

[suranceman]

Looks like CFG isn't an option in MS. Still looking some options if anyone knows of any.

Thanks

 

[goillini52]

I looked through this whole thing but didn't find an answer.

I'm looking to help out some current clients. They have a brother who is 39, and is on dialysis. He lives in Mississippi.

Anyone know which company with a 2 year wait would be cheapest for this guy?

Thanks!

CalStar. Term with one year wait other than accident. $20K is $79.95 a month if he's able to work 20 hour per week and isn't confined to hospital.

 

[WinoBlues]

CalStar. Term with one year wait other than accident. $20K is $79.95 a month if he's able to work 20 hour per week and isn't confined to hospital.

Hey Chango, Would you shoot me over the agent guide and an app, please? Have you ever written them?

 

[goillini52]

Hey Chango, Would you shoot me over the agent guide and an app, please? Have you ever written them?

I just got them Lee. No, I haven't used them. If you have FexQuotes, the agent guide's on there. They only pay 20% commissions, but it's for the life of the policy(some FMO's only offer 15%). You'd only use them as a last resort.

That rate I posted was wrong. It should've been $49.95.


I just sent it.

 

[WinoBlues]

I just got them Lee. No, I haven't used them. If you have FexQuotes, the agent guide's on there. They only pay 20% commissions, but it's for the life of the policy(some FMO's only offer 15%). You'd only use them as a last resort.

That rate I posted was wrong. It should've been $49.95.


I just sent it.

Mostly just curious. What is their charge back info?

GrassyAss

 

[Mattschmidt]

Mostly just curious. What is their charge back info?

GrassyAss

No charge back as long as everything filled out correctly

 

[goillini52]

Mostly just curious. What is their charge back info?

GrassyAss

No chargeback on death and there's no paper app. It's online and they take DE.

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No charge back as long as everything filled out correctly

Hahaha, I'd started to answer and got side tracked. I didn't realize you already answered him.

 

[WinoBlues]

No chargeback on death and there's no paper app. It's online and they take DE.

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Hahaha, I'd started to answer and got side tracked. I didn't realize you already answered him.

How about due to lapse?

Also, Thanks Matt

I am not a big fan of association plans, but there are cases where there are not many choices.

 

[goillini52]

How about due to lapse?

Also, Thanks Matt

I am not a big fan of association plans, but there are cases where there are not many choices.

Nope, no chargebacks. I'm not an association fan either, but there are times when this might be the only chance a younger person has to get life ins. Like I told the guy I got it with, I won't be using it unless it's a last resort...he agreed.

When I was thinking about picking them up a few weeks back, I asked Matt if he was familiar with them and he told me some about them. Made me feel more comfortable about picking them up. Thanks for the info Matt.