Rate comparison, Lincoln Heritage and Senior Life

[theinsuranceman]

If you are a diabetic and it is under control, using diet, pills or insulin, it is not uncontrolled. However I don't think I misread the chronic lung disease.. That would keep him from qualifying if the question is answered correctly.

Rouse you are correct about the asthma part. If I make a mistake I'll easily admit it. I should have left the asthma part off. Leaving the asthma part out of the equation makes everything accurate.

Is the rate from Sentinel Security correct from the monkey man? SIWL? Or is it fully underwritten with urine/blood tests? It's odd that no other brokers have jumped in supporting the accuracy of the monkey man's post. He may be right. But if someone has been a pot head for 60 years................

 

[theinsuranceman]

Makes you wonder what lies he feeds his own agents and clients just to make a buck.

Everyone, whether they are forum members or otherwise, know that I'm a straight shooter. I've been more successful than most in the FE arena. I've been focused only on FE for just over 20 straight years.

I'm talented enough that I don't need to lie to agents, Ms. Jones's, nor anyone else. How about you? What's your track record like? If you were so successful in your IUL's, annuities, and whatever else you've peddled, then you wouldn't even have time to add FE to your portfolio.

I've been successful enough focused only on FE, with the right group of people, that I neither have the time nor desire to sell anything else.

 

[goillini52]

Rouse you are correct about the asthma part. If I make a mistake I'll easily admit it. I should have left the asthma part off. Leaving the asthma part out of the equation makes everything accurate.

Is the rate from Sentinel Security correct from the monkey man? SIWL? Or is it fully underwritten with urine/blood tests? It's odd that no other brokers have jumped in supporting the accuracy of the monkey man's post. He may be right. But if someone has been a pot head for 60 years................

You can check the rates on Fexquotes and CSG Greg.

No, Sentinel does a 5 minute POS PHI that sticks to the health questions on the app. They ask the applicant if they take any meds they didn't tell the agent about. They do a med check after the PHI, not during the PHI. Very quick issue.They don't do a PHI on kids under 15 and they don't ask height/weight for under 15, so they're good for fat kids.

You never answered my question about what SL can do on somebody on oxygen.

P.S. I can also admit when I'm wrong. I was wrong about the insulin being a KO with the Super Preferred.

 

[titeye]

Everyone, whether they are forum members or otherwise, know that I'm a straight shooter. I've been more successful than most in the FE arena. I've been focused only on FE for just over 20 straight years.

I'm talented enough that I don't need to lie to agents, Ms. Jones's, nor anyone else. How about you? What's your track record like? If you were so successful in your IUL's, annuities, and whatever else you've peddled, then you wouldn't even have time to add FE to your portfolio.

I've been successful enough focused only on FE, with the right group of people, that I neither have the time nor desire to sell anything else.

First of all, I doubt very seriously if there exists any significant number of forum members who know you personally, or beyond this site.
Secondly, I've formed my own opinions of you, as you have me. My opinions are based off of my direct communication with you, or lack thereof.

I have addressed all of your questions or statements directly and in great detail. In addition, I have even supported them with references from your own company's resources. Yet, you have been very selective and evasive about what question(s) of mine to address. This indicates that you either have something to hide, I have proven my point, or you simply prefer just being argumentative.

I quoted your company's Agent Manual verbatim and rather than address what's stated in both 2017 and 2018 Manuals, instead you prefer to behave like a child. In the event you have discovered a way of receiving advanced commissions from SLIC exceeding $700, which would be inconsistent with your Agent Manual, that too suggests something about your character.

Ironically, while following our discussion, someone representing your company supported what I said and offered the documentation. According to them, they assumed SLIC's policy on advanced commission was not unusual.

Sounds to me like the makings of an unsolicited referral, if you ask me. Keep on helping me.

 

[theinsuranceman]

First of all, I doubt very seriously if there exists any significant number of forum members who know you personally, or beyond this site.
Secondly, I've formed my own opinions of you, as you have me. My opinions are based off of my direct communication with you, or lack thereof.

I have addressed all of your questions or statements directly and in great detail. In addition, I have even supported them with references from your own company's resources. Yet, you have been very selective and evasive about what question(s) of mine to address. This indicates that you either have something to hide, I have proven my point, or you simply prefer just being argumentative.

I quoted your company's Agent Manual verbatim and rather than address what's stated in both 2017 and 2018 Manuals, instead you prefer to behave like a child. In the event you have discovered a way of receiving advanced commissions from SLIC exceeding $700, which would be inconsistent with your Agent Manual, that too suggests something about your character.

Ironically, while following our discussion, someone representing your company supported what I said and offered the documentation. According to them, they assumed SLIC's policy on advanced commission was not unusual.

Sounds to me like the makings of an unsolicited referral, if you ask me. Keep on helping me.

You sound like you are scared to put up $2000, or maybe you don't have the $2000? You've read the manual. You should think you can't lose the bet (but you will). You should be thinking this is an easy $2000 for you to win.

But you're not putting your $2000 up. I accepted your challenge. Makes me think you don't have the $2000 you said you were wanting to bet in your earlier post. I've accepted your challenge.....what's next?

Oh by the way, please state any of your questions I have avoided answering.

 

[theinsuranceman]

You can check the rates on Fexquotes and CSG Greg.

No, Sentinel does a 5 minute POS PHI that sticks to the health questions on the app. They ask the applicant if they take any meds they didn't tell the agent about. They do a med check after the PHI, not during the PHI. Very quick issue.They don't do a PHI on kids under 15 and they don't ask height/weight for under 15, so they're good for fat kids.

You never answered my question about what SL can do on somebody on oxygen.

P.S. I can also admit when I'm wrong. I was wrong about the insulin being a KO with the Super Preferred.

Someone on oxygen is GI.

 

[shonceman]

You sound like you are scared to put up $2000, or maybe you don't have the $2000? You've read the manual. You should think you can't lose the bet (but you will). You should be thinking this is an easy $2000 for you to win.

But you're not putting your $2000 up. I accepted your challenge. Makes me think you don't have the $2000 you said you were wanting to bet in your earlier post. I've accepted your challenge.....what's next?

Oh by the way, please state any of your questions I have avoided answering.

Greg, no dog in this fight, but how about putting that "bet" aside and answer the question. The manual apparently says the advance amount is limited to $700. You say that's wrong. Why?

 

[goillini52]

Someone on oxygen is GI.

Sentinel will go true Graded(30%/70%/100%)if currently on oxygen.

One company can't do it all. That's why it's better to be Independent and offer more than one company. Speaking of GI, would you like to compare GI rates with another company that does 0-85 GI?

 

[Northeast Agent]

Cats and popcorn... Lots of cats in FE homes

 

[NewbieNewbie]

I will bet 3000 that there will be no bet.