M,40,T, Needs 100k 20 Yr Term

[noah]

I don't do much term. I'm an FE agent.

I have UHL premier for $208 a month.
Is that competitive ?

Thanks

 

[onefastpony]

I don't do much term. I'm an FE agent.

I have UHL premier for $208 a month.
Is that competitive ?

Thanks

Are you looking at simplified issue with ROP? Or are you looking for the cheapest 20yr term? Of you go fully underwritten it will be best for your client.

 

[moonlightandmargaritas]

I don't do much term. I'm an FE agent.

I have UHL premier for $208 a month.
Is that competitive ?

Looks like a 40 year old non smoking male could get $500,000 of guaranteed 20 year term for as low as $39 a month. Fully underwritten of course...

www.term4sale.com

 

[noah]

All I have for term is UHL.

 

[WinoBlues]

All I have for term is UHL.

I use UHL for SITerm. But for std risk the are way to high. As pony asked are you looking for ROP?

The answer to your question is probably not. Depends on your client. Maybe do a split with an agent that knows the term market and process. Learn how to do it then do the rest yourself.

 

[smokin goose]

Sent op a pm to try and help. I don't think there is any helping him. Here's the conversation:

Get the Shaw American app or go to their website and run a quote. They have a slick system and make contracting easy with all their companies. Let me know if you need help.

----------

Just tried their quote engine. You must give info and consent to an agent contacting you. No good. I'm already with a great IMO .

----------

If you're with a great IMO then why aren't they helping you with this case? I'm an FE agent too. But I've ran into 5 cases in the last year that I used Shaw for fully underwritten. I don't know what you did wrong, but you don't have to consent to anything to run a quote. Just trying to help you dude.

----------

Saturday night dude,they ain't around. Just chiming in for ideas,not looking to be solicited or attacked. Thanks . Lol

 

[pfg1]

I don't do much term. I'm an FE agent.

I have UHL premier for $208 a month.
Is that competitive ?

Thanks

No, its not competitive, imo. You can do a $100k Whole Life (fully underwritten, 40, m, std tob) for a good bit less than that.

For term, you should be much much lower.

 

[noah]

That's the first good answer to the original question. Thank You !

This forum is patrolled by marketers who either do not read the question posed who are here to solicit agents or sarcastic know it alls with,"too much time on their hands ".

 

[senior-advisor-indiana]

That's the first good answer to the original question. Thank You !

This forum is patrolled by marketers who either do not read the question posed who are here to solicit agents or sarcastic know it alls with,"too much time on their hands ".

You couldn't tell by M & M's answer that you weren't competitive? By the way, do you need any data?

 

[jdeasy]

I don't do much term. I'm an FE agent.

I have UHL premier for $208 a month.
Is that competitive ?

Thanks

I thought you had RNA? Their 20 year term $100,000 face is about $41/mo. standard male tobacco.

That's not all that competitive either but it's far better than UHL.