Need Help with FE Policy Pricing

[simpsonian]

I am competing for a FE policy on a gentleman that is 58 years old, n/t, no meds in Mississippi.
He has been quoted $37 monthly for $7,000 from MoO over the phone. I can go through Foresters and do it for $27 a month.
My question is this. Is MoO quoting him level benefit or modified?
How can I find this out?
He thinks it is level but really does not know.

 

[Longtimeagent]

If the offer came direct from Mutual then it is most likely a graded policy that is also most likely guaranteed issue. Foresters is going to be a better deal for him anyway, so why would it matter (except more ammo for replacing/beating the other deal)?

Good luck with the sale...

 

[WinoBlues]

I am competing for a FE policy on a gentleman that is 58 years old, n/t, no meds in Mississippi.
He has been quoted $37 monthly for $7,000 from MoO over the phone. I can go through Foresters and do it for $27 a month.
My question is this. Is MoO quoting him level benefit or modified?
How can I find this out?
He thinks it is level but really does not know.

Contact MoO and tell them you are a male age 58 looking for $7,000. See what the email you. Keep it in your file for the next time.

 

[moonlightandmargaritas]

I am competing for a FE policy on a gentleman that is 58 years old, n/t, no meds in Mississippi.

"Competing"? Why?

 

[shauny2k3]

What about Oxford Life, I'm sure their rate will be lower.

 

[simpsonian]

Competing, as in they have been offered a policy with MoO and would consider not taking it if I had something better. I just want to make sure what I have is better, that's all. Thanks for all the suggestions, I did not think to call MoO and get a price

 

[steveadlman]

I am competing for a FE policy on a gentleman that is 58 years old, n/t, no meds in Mississippi.
He has been quoted $37 monthly for $7,000 from MoO over the phone. I can go through Foresters and do it for $27 a month.
My question is this. Is MoO quoting him level benefit or modified?
How can I find this out?
He thinks it is level but really does not know.

The rate for MOO $7000 Guaranteed Acceptance plan is $31.80 for his age.

 

[Sac 916]

Competing, as in they have been offered a policy with MoO and would consider not taking it if I had something better. I just want to make sure what I have is better, that's all. Thanks for all the suggestions, I did not think to call MoO and get a price

Get the big companys tel. #s on your phone i.e. NY life, Globe, Colonial Penn, LH, Primerica, etc.

You will have to call in for them on these types of offers and also when they can't or won't get their policies.

Getting that trust and going that extra mile for them will net you more business.

 

[jdeasy]

I am competing for a FE policy on a gentleman that is 58 years old, n/t, no meds in Mississippi.
He has been quoted $37 monthly for $7,000 from MoO over the phone. I can go through Foresters and do it for $27 a month.
My question is this. Is MoO quoting him level benefit or modified?
How can I find this out?
He thinks it is level but really does not know.

Put him with RNA's Royal Prime whole life 20 pay. $10,000 for $33/mo. and it's paid up in 20 years.

 

[simpsonian]

He does not want to do a paramed