Help with Replacing a LH Policy

[ScottB]

Scott, it would be the Simple Security Plan (SSP) with Security National Life. If you need anything else let me know.

Thank you for your help Tom!
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How is it "competitive"? It's ROP for 2 years. She could get the same thing from MoO for $28/mo. Or $5000 for $35/mo. She could get $7500 for what she is paying them for $4000.

I was just looking at it from the perspective of her recent cancer.

You're right, it is return of premium until year three.
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SNL FE Graded product....Im not sure what u meant by LH being competitively priced. We just showed u options that give her MORE coverage for LESS $$$....even UHL is cheaper at $51 for 5k then LH at $53 for 4k.

Now, LH is not bad if she smokes, cause those rates for SNL & UHL are non smoker. If she smokes, even tho the commish is not much, I would show her Vantis & be the hero by saving her $14/mo...u might get referrals out of that.

Thank you for your help and input TDF.
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Tommy,

Looking at SNL's application, question 11 asks if "any" cancer. My particular client (age 73) had breast cancer in January, 2012. According to the application, answering yes to questions 10-12 will disqualify the applicant for any coverage. Is this correct?

Thanks for your help Tommy.

 

[tomoverton0123]

Thank you for your help Tom!
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I was just looking at it from the perspective of her recent cancer.

You're right, it is return of premium until year three.
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Thank you for your help and input TDF.
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Tommy,

Looking at SNL's application, question 11 asks if "any" cancer. My particular client (age 73) had breast cancer in January, 2012. According to the application, answering yes to questions 10-12 will disqualify the applicant for any coverage. Is this correct?

Thanks for your help Tommy.

Scott, we are currently correcting that question. It should read "Do you currently...". So if they do not currently have cancer or they are not currently undergoing cancer treatment then it can be answered no.

 

[ScottB]

Thanks so much and I appreciate the clarification of the application.