- 7,012
And they take chew/smokeless tobacco NT. Kinda like Americo.
I've used them a couple of times. Not with SSBA yet.
I've used them a couple of times. Not with SSBA yet.
Prosperity or Trans for DE
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- 4,130
Chew isn't cigars and such though. I haven't seen many of us yankees using chew and such.
- 7,012
Tell me about it. I think I've used Americo's NT niche 1 time in 6 years.
But I have agents in the south and they run into that more often.
- 4,130
I'd say I run into Cigar smokers 10-15% of my businese, but can't hurt to have a carrier that will do that at a NT rate.
- 7,012
I don't remember the last time I saw a cigar.
I only run into smokers 10-15% if the time at all anyway.
I only run into smokers 10-15% if the time at all anyway.
- 19,663
I wrote a good sized case today. Guy was a dipper. KSKJ tobacco rates were $2/mo less than Equitable's non tobacco rates.
I used Americo and Equitable quite a bit before KSKJ. I run into dippers and chewers almost every day. And quite a few cigar smokers. Rarely a pipe smoker.
It's mostly the retired coal miners that chew and dip. They won't let them smoke underground but they can dip.
- 1,410
Yes, but tons of carriers approve insulin & chronic asthma as level. The only niche I can see so far is direct express biz that has chronic asthma or insulin diabetes. But, that's such a small percentage of our business.
Most agents would just write Trans standard with those clients and be done with it. What are your thoughts on that?
- 4,130
Asthma and/or Insulin and DE almost go together in the urban population. If I have to write that standard LH actually gets the edge on that business at some ages/time in policy.
I hear you, I personally have a weakness, I don't have the confidence to give them std, when I can give them 25% cheaper,
I also think sometimes the cheaper price could make the sale, over the more expensive.
- 4,130
Cheaper you mean by going GI?
