New Royal Neighbors Rates

[Newby]

Yeah I have a list of drugs but they don't say if they are declined/graded etc beside them. I always assumed it was a decline list. Maybe Newby can come enlighten us.

I've only looked at it once. I don't think it was a decline list. It was more of a list of drugs that tells what they are commonly prescribed for. (if I remember correctly).

I don't carry drug lists for any companies. I just ask the questions on the applications.

 

[HoosierLife]

I've only looked at it once. I don't think it was a decline list. It was more of a list of drugs that tells what they are commonly prescribed for. (if I remember correctly).

I don't carry drug lists for any companies. I just ask the questions on the applications.

Well that's good. Something else I can throw out of my bag.

 

[gordon112]

Looks like RNA will be going on my shelf or at least down to number 3 or 4. I still will write an essential product and term if it happends to be the lowest. However, it appears with RNA rate increase on the SIWL and stiffer UW compared to others, it is on the back burner for me.


I picked up the good old MOO living promise. Rates are solid, no PHI, no listing meds. We shall see how MOO product performs. It has the name like Petty and Andretti, so it better!!

 

[TXInsuranceAgent]

Looks like RNA will be going on my shelf or at least down to number 3 or 4. I still will write an essential product and term if it happends to be the lowest. However, it appears with RNA rate increase on the SIWL and stiffer UW compared to others, it is on the back burner for me.


I picked up the good old MOO living promise. Rates are solid, no PHI, no listing meds. We shall see how MOO product performs. It has the name like Petty and Andretti, so it better!!

I was curious about the Living Promise plan a little while back as the rates weren't necessarily the cheapest but were, like you said, pretty solid. And it seems they were within the top 5 in a majority of age/sex/tobacco scenarios.
Please keep us up to date about how well they work for you.

 

[houcoogster]

I was curious about the Living Promise plan a little while back as the rates weren't necessarily the cheapest but were, like you said, pretty solid. And it seems they were within the top 5 in a majority of age/sex/tobacco scenarios.
Please keep us up to date about how well they work for you.

Placed my order yesterday....can't beat the name recognition either.
Gotta have E&O to sell it.

 

[gordon112]

I was curious about the Living Promise plan a little while back as the rates weren't necessarily the cheapest but were, like you said, pretty solid. And it seems they were within the top 5 in a majority of age/sex/tobacco scenarios.
Please keep us up to date about how well they work for you.

I sure will, it might be my go to product. I wouldn't say its the best out there, but good all around and has the name to boot. However, MOO has been notorious for not being agent friendly, so I am going in this with an open mind and see how they perform.

This is why it is so great to be independent. You can choose the best products out there and help the clients more efficiently.

 

[TwiLight]

I never understand why JD always references UHL as Farm Bureau. It is not even close to the truth.

First UHL is also United Farm Family Life Insurance. Not Farm Bureau of KY. Their parent is Farm Bureau of IN.

Farm Bureau is a P&C Carrier separately owned in each State. That is like calling RNA a Foresters Company. They are Fraternal so they are the same thing.

Just because they have the word FARM in their name does not even come close to the anti union KY branch of Farm Bureau insurance that is primarily a P&C company. UHL/UFFL is owned by Farm Bureau of IN, No common ownership relationship or marriage relations of employees with the KY branch. Apples vs. Grapes.

AAA is in every state but not commonly owned in each state.

 

[JimmyUt]

I never understand why JD always references UHL as Farm Bureau. It is not even close to the truth.

First UHL is also United Farm Family Life Insurance. Not Farm Bureau.

Farm Bureau is a P&C Carrier and UHL/UFFL is not. That is like calling RNA a Foresters Company. They are Fraternal so they are the same thing,

Just because they have the word FARM in their name does not even come close to the anti union KY branch of Farm Bureau insurance that is primarily a P&C company. No common ownership relationship or marriage relations of employees. Apples vs. Grapes

I have always understood that the two operated out of a similar building in Indianapolis which under closer inspection is the truth. Check out this link. Financial Strength | Indiana Farm Bureau Insurance

Might not have similar employees, but they are related, and the Foresters/RNA comparison doesn't apply.

 

[TwiLight]

Might not have similar employees, but they are related, and the Foresters/RNA comparison doesn't apply.

dang.. you jumped on this quickly.

I updated my rant, to be more clear. I should have reviewed it before hitting SEND....LOL

Farm Bureau of IN is not the same as Farm Bureau of KY.

 

[rousemark]

I have always understood that the two operated out of a similar building in Indianapolis which under closer inspection is the truth. Check out this link. Financial Strength | Indiana Farm Bureau Insurance

Might not have similar employees, but they are related, and the Foresters/RNA comparison doesn't apply.

It is more than just related.. UHL is a wholly owned subsidiary of Indiana Farm Bureau.. Don't what "similar employees" would have to do with it. BTW, juts so everyone understands where JD is coming from anti worker has nothing to do with how FB/UHL treat their own employees. In JD's terminology "anti-worker means anti-union" ..