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They were anti-selected against for only std biz, now they built a product to address that.
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They did not.What were the ailments ? I think I read they take dialysis after 1 yr ? Don’t they tell you in the fist 3-5 mins if it’s declined ? The products basically for sick people . Even the trans guy said that . The question becomes are the going to cherry pick what “ sick “ people they take ? And are banking on getting some regular people on like direct express to hedge some of the sick ones ?
This can be spun anyway the pimps want to spin it.They did not.
Both were approved level elsewhere.
They are a disaster for traditional business. I will only write them if I absolutely have to (foreign nationals being a big one).Not really Transamerica FE, But Transamerica.
A couple of days ago I sent a client a Compulife spread sheet with some options for $1.5. The plan he chose was a TA level term. As we were talking he asked me to send him some other options in the same price point. Alternatives to TA.
I say sure but ask why. He tells me that he heard their CS sucked. This guy is not an agent. Smart, but not an agent.