If you could only have one hospital indemnity product which wou it be?

[Northeast Agent]

GTL's is good and is GI age 64 1/2 -65 1/2.

I haven't looked at this one in a while, but it wasn't GI at these ages before in PA where I do most of my business.

And the Medico product isn't either. which is a pain, as it KO's a lot of diabetics. I like Medico and Aetna's as they have riders for PT/OT which some of the others may not have. I'll have to take another look.

 

[germanwine1]

I'll have to reserve judgement as well since I'm only familiar with GTL's HP product. Great riders, but will check out Aetna's also.

 

[OttoGraf]

Thanks for the feedback y'all. Really appreciate it!!!

 

[joe92275]

Depends how you sell...GTL is perfect for telesales it’s a phone app....heartland is too but they need an e-mail. Comp is higher with heartland and rates are better for client. You can add cancer and DVH on 1 app. The DVH is like $3.00 more than a stand-alone DVH.

 

[Derek Streich]

IMO the two best plans are:
1. GTL Advantage Plus - for guaranteed issue at 64.5 - 65.5
2. SureBridge HospitalWise - For anyone that's healthy enough to qualify through simplified issue. Best rates I've seen, quick underwriting (no script, MIB or PHI), and an ER benefit that pays for accident & sickness regardless of hospitalization.