Qusetions About UHL!

[jdeasy]

Starting in January when the customer is approved on PHI then the app will be issued for the applied premium and face amount. UHL is getting rid of APS requirements. So that is a good reason for a FE agent to use UHL. Also, I have never had a problem with their underwriting or rates.

Well, whoop-de-frickin-do!! Everyone else using POS interviews already gives you answer and I'm sure UHL will still have that 10 minute long disclaimer to sit through before they even ask the questions. And, if you have problem with their rates I would love to have your client list.

You are certainly not looking at value for your clients. UHL is LH and Old American high. maybe not quite as high as those, but close enough to be that category. Also, they use nearest age, so a client 65 and a half is gonna pay age 66 rates where with everyone else they would get 65 rates.

But, keep on using them, it's great inventory for the rest of us.

 

[magagent]

You apparently have not submitted very many apps to UHL.

Starting in January when the customer is approved on PHI then the app will be issued for the applied premium and face amount. UHL is getting rid of APS requirements. So that is a good reason for a FE agent to use UHL. Also, I have never had a problem with their underwriting or rates.

 

[jmatos]

UHL is a great company with great commissions. We use them. They are great for higher risk clients, and depending on your contract offers great commissions also.

 

[jdeasy]

UHL is a great company with great commissions. We use them. They are great for higher risk clients, and depending on your contract offers great commissions also.

If you are getting higher commissions from than from other companies you are getting hosed by the other companies.

Their rates are terrible, so you are doing due diligence for your clients.

But, you seem to be focusing on what's best for you instead of the client, so you problably don't care about how bad their rates are.

 

[JimmyUt]

UHL is a great company with great commissions. We use them. They are great for higher risk clients, and depending on your contract offers great commissions also.

I have a 120% contract with them, and still won't write their products, enough said.

 

[nfl72]

The only time I ever use UHL is for chlidrens riders and for people under 45.

I am currently using Foresters, UHL, and Genworth. I am also set up with Americo. Do they have childrens riders?

 

[rapidrobert]

Yes, Americo has children's riders and is a better price than anyone on your list except Foresters.

 

[RonRoberts]

Better priced how? Are you talking only about children's riders?

 

[jmatos]

If you are getting higher commissions from than from other companies you are getting hosed by the other companies.

Their rates are terrible, so you are doing due diligence for your clients.

But, you seem to be focusing on what's best for you instead of the client, so you problably don't care about how bad their rates are.

Where I did I say that I was getting higher commissions from them than I am other companies????? Did I say that? Their Commission schedule isn't bad....Now for the snide remark about me doing what is best for me rather than customer, how would you know???? I dont place a lot of people with UHL because I think their rates are higher, but I do place a good number of people that cant get placed other places...

 

[jdeasy]

Where I did I say that I was getting higher commissions from them than I am other companies????? Did I say that? Their Commission schedule isn't bad....Now for the snide remark about me doing what is best for me rather than customer, how would you know???? I dont place a lot of people with UHL because I think their rates are higher, but I do place a good number of people that cant get placed other places...

Here is what you said;

"UHL is a great company with great commissions. We use them. They are great for higher risk clients, and depending on your contract offers great commissions also. "

If you weren't just using them for commissions then what the hell did you mean with that drivel?