Most Competitive Term Companies for $1mil and Above

[Dan3211980]

First off, I mainly work with people 60 and above for life and MS. I'm getting more situations that call for larger term policies, most recently a 62yr old male non smoker looking for $2mil in face on a 20yr level term. Been using MoO mostly, who else should I appoint with for these types of cases? Thanks!

 

[STIBROKER]

most recently a 62yr old male non smoker looking for $2mil in face on a 20yr level term. Been using MoO mostly, who else should I appoint with for these types of cases? Thanks!

run rates here,,,,, NetTrac - links

 

[Dan3211980]

run rates here,,,,, NetTrac - links

Thanks, much appreciated!

 

[STIBROKER]

Thanks, much appreciated!

and they can appoint you with all companys shown...... Pinney Insurance Center: Quotes

 

[WinoBlues]

First off, I mainly work with people 60 and above for life and MS. I'm getting more situations that call for larger term policies, most recently a 62yr old male non smoker looking for $2mil in face on a 20yr level term. Been using MoO mostly, who else should I appoint with for these types of cases? Thanks!

I wrote a couple like that last year. Unless you are experienced doing Fully Underwritten you may want to really look to a service like EZLife or go with an IMO that has hands on case manager more than the typical data entry type case managers.

Lee

 

[Dan3211980]

I've got plenty of experience with fully underwritten, been doing this a few years... Just haven't been fortunate enough to run into a case that big until now.

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and they can appoint you with all companys shown...... Pinney Insurance Center: Quotes

That's good to know. Been playing around on the site, very helpful. Thanks again!

 

[WCMason]

First off, I mainly work with people 60 and above for life and MS. I'm getting more situations that call for larger term policies, most recently a 62yr old male non smoker looking for $2mil in face on a 20yr level term. Been using MoO mostly, who else should I appoint with for these types of cases? Thanks!

I've used North American and American General for big term cases. NA's UW seems to be a little tougher but rates are good. I've also had cases I thought would be rated issue standard with AmGen.

 

[Tahoe Ray]

I've used North American and American General for big term cases. NA's UW seems to be a little tougher but rates are good. I've also had cases I thought would be rated issue standard with AmGen.

And....If they end up rated, AG and Banner are likely going to price everyone out based on tabling off of their Special and S+ classes.

Work with a good IMO on these cases....If someone needs term at this age, you might have other opportunities in addition to this sale.

 

[WinoBlues]

Really need a lot more info. Build alone could be Std with one company and preferred with say Pru.

 

[Dan3211980]

Health looks clean. 5'9'' 210. Sounds like good experiences with AmGen, appreciate the feedback. Going to apply for appointment with Genworth and AmGen today with Pinney online, thanks to your help. What do their street comp % look like?