Hello Guys, I Have a Male 62

[marketing]

Dob: 8/3/1950, no medical conditions to my knowledge, no-meds, ht 5'7, wt. 185. Looking for a $25,000.00 GUL.

Female 59 dob: no medical conditions to my knowledge, no-meds, ht 5'4, wt 155. Looking for a $25,000.00 GUL. Thinking Sagicor

By the way, if you have something better, please let me know

 

[WinoBlues]

Dob: 8/3/1950, no medical conditions to my knowledge, no-meds, ht 5'7, wt. 185. Looking for a $25,000.00 GUL.

Female 59 dob: no medical conditions to my knowledge, no-meds, ht 5'4, wt 155. Looking for a $25,000.00 GUL. Thinking Sagicor

By the way, if you have something better, please let me know

Todd King and compulife.Com,There are other IMOs that do GUL. Todd just came to mind first.

 

[TwiLight]

This is right in Sagicor's niche as a Simplified Issue. Quote at Standard Rate.

Transamerica's ACE plan is also competitive at Standard Rates

 

[jdeasy]

Dob: 8/3/1950, no medical conditions to my knowledge, no-meds, ht 5'7, wt. 185. Looking for a $25,000.00 GUL.

Female 59 dob: no medical conditions to my knowledge, no-meds, ht 5'4, wt 155. Looking for a $25,000.00 GUL. Thinking Sagicor

By the way, if you have something better, please let me know

RNA's Esential Life whole life would be far preferable to GUL in my opinion.

For the 62 year old male it's $75/mo for $25000 face.

For the 59 year old female it's $55/mo.

 

[jacobtn]

Every essential app I have written have been turned down flat, with no table rating or offer. I quit writing them. the folks were healthy too, and there were several cases. Maybe then didn't like me, not sure.. I have a life brokerage I use that uses software to shop the carriers, and I typically write GUL using the best priced carrier if its 25k or above. If it's for death benefit, I use guaranteed level rate illustrated to 120, with no cash buildup- illustrated for max DB only (assuming that's the goal).

 

[WinoBlues]

But this family makes $200,000.00+ a year and have no debt. They only want to pay to age 70. Due to retirement.

Well, maybe not, but that is as good a guess with the information given.

 

[jdeasy]

Every essential app I have written have been turned down flat, with no table rating or offer. I quit writing them. the folks were healthy too, and there were several cases. Maybe then didn't like me, not sure.. I have a life brokerage I use that uses software to shop the carriers, and I typically write GUL using the best priced carrier if its 25k or above. If it's for death benefit, I use guaranteed level rate illustrated to 120, with no cash buildup- illustrated for max DB only (assuming that's the goal).

I understand and I have heard that from others. I don't have that problem. I did just have one declined but it wasn't unexpected. I had estimated a table 4 and was hoping.

That's the first decline in quite some time. I think it's the onlyu one this year. I have had a few rated. I had a 34 year old lady that was only rated a table 2 due to build. She is 5"10" 270#.

Maybe I've been writing RNA long enough to know what not to send them? But I have always had good luck with the Essential Life and with Royal Prime before that.