Now I Know Why JD Hates UHL So Much!!

[TDFnCali]

UHL is much more strict than Foresters on term. Did you check out AmAm"s Easy Term? It's not priced too bad.

But, why SI? With "no healh issues" I wouldn't hesitate for a second to go fully underwritten.

Female is going FU with Foresters, male is going SI cause of his weight, he wouldnt qualify above standard, and the price diff is like $4. I was going to use my fav company RNA, but they dont offer SI, and he prefers that cause of the small price diff.

 

[jdeasy]

Female is going FU with Foresters, male is going SI cause of his weight, he wouldnt qualify above standard, and the price diff is like $4. I was going to use my fav company RNA, but they dont offer SI, and he prefers that cause of the small price diff.

May only be a small difference with RNA but check out term for sale and see who has the best deal.

What about AmAm for the SI term? Last one I did they were quite a bit better priced than Foresters.

 

[rousemark]

AGLA would be $$35.39 for the male and $20.78 for the female and that is not their best rate. Plus, there are a lot of companies out there even better rates. There is no reason to avoid fully underwritten if they are in good health

 

[Mattschmidt]

Sometimes Assurity is good and sometimes they aren't. There is no one company that is always unbeatable.

Not true..Senior Life is always the right/best choice..Nothing beats Senior Life

 

[jdeasy]

To correct the title, the rate of UHL has very little to do with why I don't want to do business with them.

How about nearest age for FE? Who does that besides them?

Plus they are Farm Bureau. That's enough right there.

 

[coloradoseniormarket]

I called UHL to get some term pricing, since I dont run across it much & I had just received a marketing email about their term product (sounded good)! For a 42yr old male NT it was $70/mo for 100k SI, and that was WITHOUT ROP advertised in the email. I had already checked RNA & Forester's and they were in the high $30s low $40s range....so I was floored & thought I heard incorrectly when she said $70!! She then proceeded to tell me the price WITH ROP, and I stopped her & said "no thanks, $70 is waaaayyy too high...Im good"

WTF, how is UHL getting biz with those rates?? Are they teaming with LH?? Almost double?

Im going with Forester's or maybe RNA!


On a positive Note, Shannon (Mig Warriors) just gave me a small 5% raise (wholesale & retail) for being loyal, giving a testimony & sticking thru some hard times. Based on the amt of leads Im getting (not enough to make 5fig AP per month), he says Im doing well & wants me to increase my lead flow!!

Thanks for listening.


PS- This is for Rick!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Are you using the Am-Am AD&D program to generate any referrals?

 

[usakr]

Am Am easy term has good pricing.

 

[TwiLight]

Don't forget Transamerica in all this conversation.

30 yr Term for 100K
TrendSetter Super - Full Medical 100k and up
Standard+ for Male is 27.56/mo (Third Lowest Rate Class)
Preferred for Female is 15.58/mo (second Lowest Rate Class)

30 yr Term for 100K
TrendSetter Express - Non Medical 25k-249,999
Standard Rates Male is 37.01/mo
Standard Rates Female is $27.39/mo

30 yr Term for 100K
TrendSetter LB - with Living Benefits LTC - Non Medical 25k-249,999
Standard Rates Male is 38.85/mo
Standard Rates Female is 29.31/mo

Street level comp is higher than most other companies for FYC Heaped.

 

[TDFnCali]

May only be a small difference with RNA but check out term for sale and see who has the best deal.

What about AmAm for the SI term? Last one I did they were quite a bit better priced than Foresters.

I dont use AmAm for anything & they cancelled my appointment about a month ago.

 

[jdeasy]

I dont use AmAm for anything & they cancelled my appointment about a month ago.

You could get reinstated by writing an app.