Heart Attack Within 12 Mos

[SouthernComfort]

I am assuming this will be graded, no diabetes, copd, aids, hiv, als, or other ailments

 

[inreverse]

possibly Lincoln Heritage, depending on the state.

 

[jdeasy]

I am assuming this will be graded, no diabetes, copd, aids, hiv, als, or other ailments

How close is he to 12 months? Mon would be immediate coverage at 12 months at standard rates.

If you have to go ROP then it's MoO or Vantis.

 

[SouthernComfort]

I have Foresters, Royal Neighbors, Kemper, Forethought, MOO, Monumental.

Heart attack was in September. It looks like Foresters will take as modified??

 

[WinoBlues]

I have Foresters, Royal Neighbors, Kemper, Forethought, MOO, Monumental.

Heart attack was in September. It looks like Foresters will take as modified??

I doubt they come close to Vantis. Contact Brad (360) or I think Newby has them also.

 

[tomoverton0123]

I am assuming this will be graded, no diabetes, copd, aids, hiv, als, or other ailments

I have terrific ROP rates. Give me his age, tobacco use, and face amount and I'll give you a rate. Example, 65 year old male, non tobacco, ROP + 10% for 2 years for $10,000 is $72.83 monthly. We also accept the Social Security Direct Express Card.

 

[gordon112]

There is plenty of companies that will go Modified or graded. There is only a few that will go Immediate benefit. Monumental would be my first choice and might stress that it is the best deal out there. I have replaced a lot of Colonial Penn and other modified plans that people signed up through the mail, tv ad, or from an agent that didn't sell a client the right product.

Also, Monumental has been great for issuing policies in my experience so far.

 

[jdeasy]

I have terrific ROP rates. Give me his age, tobacco use, and face amount and I'll give you a rate. Example, 65 year old male, non tobacco, ROP + 10% for 2 years for $10,000 is $72.83 monthly. We also accept the Social Security Direct Express Card.

What's "terrific" about that rate? MoO would be $66/mo for that same guy, smoker or not, and they alos take the SS card.

Getting shilly in here.
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There is plenty of companies that will go Modified or graded. There is only a few that will go Immediate benefit. Monumental would be my first choice and might stress that it is the best deal out there. I have replaced a lot of Colonial Penn and other modified plans that people signed up through the mail, tv ad, or from an agent that didn't sell a client the right product.

Also, Monumental has been great for issuing policies in my experience so far.

Monumental wouldn't do immediate on this guy until after June.

 

[gordon112]

What's "terrific" about that rate? MoO would be $66/mo for that same guy, smoker or not, and they alos take the SS card.

Getting shilly in here.
- - - - - - - - - - - - - - - - - -


Monumental wouldn't do immediate on this guy until after June.

Ok, just noticed it was within the year time frame. I would mention Vantis now or kemper, then requalify him for Monumental.

 

[tomoverton0123]

What's "terrific" about that rate? MoO would be $66/mo for that same guy, smoker or not, and they alos take the SS card.

Getting shilly in here.
- - - - - - - - - - - - - - - - - -

Monumental wouldn't do immediate on this guy until after June.

JD, the terrific part is that we pay a nice commission. I believe you are referring to MOO's plan that is sold online or thru the mail that doesn't pay commissions to an agent. I like to get paid.