Non-med Exam Life Insurance

Discussion in 'Life Insurance Forum' started by pfg1, Aug 26, 2017.

  1. pfg1
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    pfg1 Guru

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    Ok, thanks guys. Yeah, pdf of policy is no big deal - at least to me its not. Maybe a client might think so, but I doubt it. Heck, I'll print and bind it for them if need be.

    So Lewis_FL... I'm sure the guy I'm thinking of is probably not pref +... more like std +, to possibly preferred.

    What does the Lincoln TermAccel product use to underwrite? Rx, DMV record, MIB, and questions on app? Anything I need to be aware of or worry about?
     
  2. Lewis_FL
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    Lewis_FL Super Genius

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    yes Rx check etc, public records, PHI. Banner might be a little more liberal on underwriting and still do non-med if only Std or Std+.
     

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  3. WinoBlues
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    Another reason to have Lincoln is their Table Shave program. Up to 3 tables. I have used it on a few larger cases and smoked the competition rate wise. Only permanent plans, so would not work on this case. I do not recall if their GUL can be dialed down.
     
  4. pfg1
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    Thanks Wino & Lewis! I appreciate it :)
     
  5. NewbieNewbie
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    Anico is up to a 1mm 18 to 50, and 500k 51 to 65 or maybe 60. Everything must match up on the application. Also they run a "risk score" through Lexis/Nexus. Appears to be similar to auto scoring at first glance. They say about 40 percent will get through with no exam. Preferred plus rates available. I am not selling it as no exam. Too many variables.
     
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