LH Changes Application for Their Standard Policy

[funeraldirector]

I am not a full time FE guy and work about a dozen states. But I'll bite.

A typical FE client would be a 62 year old Female, $25k policy. If type II DM. Oral meds, HBP, Lipids. 5'4" 165#s

My California options: about 10 companies that run from $83 to $88. per month.

If the same lady above did not have DM I would look at other options first. Or if she needed more coverage we would look for std to tbl4 somewhere else.

What cha got?

Whaddya want for 115 bucks?...BTW I sold the Encyclopaedia Britannica in East Oakland, probably about the same time you were there. One week we sold forty sets of books at the eastmont mall, and had forty credit declines...

 

[WinoBlues]

Whaddya want for 115 bucks?...BTW I sold the Encyclopaedia Britannica in East Oakland, probably about the same time you were there. One week we sold forty sets of books at the eastmont mall, and had forty credit declines...

Man! I could tell you some stories. As in, the time I go trotting back to my car after an appointment. About 10pm by Lake Merrett. I round the front of my truck and two guys are ripping me off. I throw my rate book into the first guys face and ran into the door which hit the other guy in the head. I slip on the wet side walk. Before I could get up to beat feet. They ran off. I count that as a win. The guy that caught the 20# rate book got the worst of it.

Ahhh, the good old days.

 

[Norwayguy]

Man! I could tell you some stories. As in, the time I go trotting back to my car after an appointment. About 10pm by Lake Merrett. I round the front of my truck and two guys are ripping me off. I throw my rate book into the first guys face and ran into the door which hit the other guy in the head. I slip on the wet side walk. Before I could get up to beat feet. They ran off. I count that as a win. The guy that caught the 20# rate book got the worst of it.

Ahhh, the good old days.

Just think if that happened today. Would you throw your laptop the same way you through that rate book?

 

[VolAgent]

Im in Cali....I would say 1 out of 3 ppl are diabetic. Now most have no complications or hospitalizations from it, but u will run into some here & there. I would say the companies I have that do ask about it, its usually not a problem if none of the above apply. RNA does ask if they have had insulin before 50, which with them, makes them graded....but I wouldnt go with them if thats the case.

You might want to reread that app.

 

[funeraldirector]

Man! I could tell you some stories. As in, the time I go trotting back to my car after an appointment. About 10pm by Lake Merrett. I round the front of my truck and two guys are ripping me off. I throw my rate book into the first guys face and ran into the door which hit the other guy in the head. I slip on the wet side walk. Before I could get up to beat feet. They ran off. I count that as a win. The guy that caught the 20# rate book got the worst of it.

Ahhh, the good old days.

Good play! You hit him right in the face with that endowment at 65 premium and lived to tell the tale...

 

[WinoBlues]

Just think if that happened today. Would you throw your laptop the same way you through that rate book?

I do not run as fast I did then so I would have time to turn and run the other way sooner. I'm Insured.

Hell, now I would say " hey man, don't break the glass or scratch anything and you can have this laptop and a couple bucks for beers. All I need is this app and void check"

 

[jdeasy]

I did have to go GI with a guy who had toes amputated from diabetes a month earlier. Could have referred him to LH.

I don't believe in making the healthy people pay more just so the real unhealthy can get the same deal.

Yet Plavix and Coumadin are still modified with LH. If I were them I would have worked on that issue first, but if I were them a lot of things would be run differently.

 

[WinoBlues]

Good play! You hit him right in the face with that endowment at 65 premium and lived to tell the tale...

Those rate books were heavy for sure. Man, we wrote the crap out of those little whole life policies. That was not even my debit area. I had Concord. But the young pretty faced college boys that had those areas would not go out there.

 

[theinsuranceman]

Yet Plavix and Coumadin are still modified with LH. If I were them I would have worked on that issue first, but if I were them a lot of things would be run differently.

That's why you are a lowly agent and they are a HUGE FE production machine.

 

[jdeasy]

That's why you are a lowly agent and they are a HUGE FE production machine.

I may be lowly but I am honest and I don't steal agents money. And I would rather be a lowly agent that does the right thing by my clients than a lowly agent with SL or LH peddling overpriced crap.