Pioneer Security Life

[VolAgent]

Yeah I tried to tell him that. And he said he wasn't smoking then. But the rate was really good. Like I said I couldn't beat it with anything other than Oxford and that was with te NS rates.

If he wasn't smoking then, then he did qualify for the NS rate.

I don't believe it though. Most people don't take up smoking as a senior. Unless he previously smoked, gave it up for over a year and then took it up again, he was lying. Of course, he may have lied to the agent too. Does Occidental do a phone interview? If so, he lied on the phone too.

 

[jdeasy]

If he wasn't smoking then, then he did qualify for the NS rate.

I don't believe it though. Most people don't take up smoking as a senior. Unless he previously smoked, gave it up for over a year and then took it up again, he was lying. Of course, he may have lied to the agent too. Does Occidental do a phone interview? If so, he lied on the phone too.

Yes, they have a phone interview. If it wasn't sold over the phone then they do the POS interview or the agent can send the app in and the home office will do the call. However they get it done there is a phone interview.

 

[HoosierLife]

Yeah I agree it was shady. What I don't understand is the rate. When comparing his NS rate to Americos, RNA etc his Occ was cheaper. The policy was only a year old.

 

[jdeasy]

Yeah I agree it was shady. What I don't understand is the rate. When comparing his NS rate to Americos, RNA etc his Occ was cheaper. The policy was only a year old.

Did you see the policy?

 

[HoosierLife]

Did you see the policy?

Yes...............................