Looking For a Quote

Mar 12, 2019

  1. Sethb2
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    Sethb2 Expert

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    Female 50 and 51 whole life .
    Return on premium POP 250k.
    No medication, weight is within the range of super preferred.
    Or 75000 whole life.
    Client want lafaLafay, Cincinnati life insurance, or any cheaper Company.
    How long does it take to get a contract with Cincinnati Life Insurance?
     
    Sethb2, Mar 12, 2019
    #1
  2. Tahoe Ray
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    Tahoe Ray Guru

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    Cincy is kind of a weird company (since they're mainly P&C)...you will have to get approval to write them from the home office and they have "territories" where they don't blanketly approve reps.

    You should reach out to your life BGA and have them contact Cincy about your location and go from there. The contracting can be average to long depending on the circumstances.

    FWIW, Assurity ROP normally isn't that much more expensive, has higher comp, and is easier to contract with.

    If the client is really price-sensitive, definitely reach out to your upline asap to get going on Cincy.
     
  3. rcduggan
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    rcduggan Super Genius

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    with the data provided, cincinatti life can't be beat on the WL product. i couldn't even come close with a couple other carriers i ran against it.
     
    rcduggan, Mar 12, 2019
    #3
  4. Sethb2
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    Sethb2 Expert

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    Thank you Tahoe Ray & Rcduggan. I appreciate.
    Compared to Assurity and Prudential in terms of underwrite & price which company would you prefer?
     
    Sethb2, Mar 12, 2019
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  5. WinoBlues
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    WinoBlues Guru

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    If you are comparing Cinci v Pru v Assurity. Cinci is much more unpredictable and tighter at the P & P+ levels. IMohsoHO
     
  6. Sethb2
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    Sethb2 Expert

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    How is it unpredictable in regards to life insurance?
     
    Sethb2, Mar 13, 2019
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  7. WinoBlues
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    WinoBlues Guru

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    Just my experience when compared to other companies. A solid company. I just found them risk adverse. I really liked their ROP Term. It was even better years ago. As mentioned they are primarily a P&C company and culture. It is their way.
     
  8. Miles Anthony
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    Miles Anthony New Member

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    I've got a great company that will beat the rates and provides living benefits built into the term policy, not adding costs as riders.
     
  9. Tahoe Ray
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    No you don't...what company?
     
  10. Miles Anthony
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    Miles Anthony New Member

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