Rate comparison, Lincoln Heritage and Senior Life

[rousemark]

Assuming MNT means male non tobacco then your rates are wrong.

70 M NT 10k w/ 20 k acc. death=$824.64 ann. premium for super-preferred and $1021.20 for preferred. Both pay full commissions. This male also started taking insulin at age 5, takes lisinopril for HBP, simvastatin for cholesterol, and albuterol for asthma. How would the other carriers rates be with these meds and taking insulin at age 5?

SL is listed twice in your rates, what does that mean?

Fexquotes does not include ad&d in the rates.. The two listings are preferred and standard.. They quote the Super Preferred in another tab..

 

[rousemark]

How does fex quotes tell you what fmo has a carrier?

I think it is based on the IMO that have a subscription for their agents. Believe it picks up the companies the IMO chooses for "Our Companies" but i not always accurate because some IMOs chose to show companies they do not represent..

 

[inreverse]

There is a contracting tab on top that lists potential imo's for each company included in the quote

 

[theinsuranceman]

Fexquotes does not include ad&d in the rates.. The two listings are preferred and standard.. They quote the Super Preferred in another tab..

Standard should not have even been quoted as this proposed insured would be preferred or super preferred.

 

[rousemark]

Standard should not have even been quoted as this proposed insured would be preferred or super preferred.

FEXquotes does not underwrite they just list the plans that a company has available in the category..It is up to the agent to decide which one the client actually qualifies for..

 

[goillini52]

Assuming MNT means male non tobacco then your rates are wrong.

70 M NT 10k w/ 20 k acc. death=$824.64 ann. premium for super-preferred and $1021.20 for preferred. Both pay full commissions. This male also started taking insulin at age 5, takes lisinopril for HBP, simvastatin for cholesterol, and albuterol for asthma. How would the other carriers rates be with these meds and taking insulin at age 5?

SL is listed twice in your rates, what does that mean?

Sentinel Security is $778.10 for Level. $20K Accidental Death would be an extra $25 a year, but they don't offer the AD past age 60 and the AD expires at age 65.

 

[goillini52]

How does fex quotes tell you what fmo has a carrier?

Under the contracting column.

 

[goillini52]

There is a contracting tab on top that lists potential imo's for each company included in the quote

Beat me to it.

 

[FinalExpenseDojo.com]

What difference does it make what either of their rates are. You guys don't sell them, anyway!

Doesn't hurt anything!

 

[WinoBlues]

SL's Agent Manual's on FexQuotes. If Greg won't post it, Ben's listed as a FMO for them, so he could probably share their apps with you.

Thank you however, I am not interested

I use both. I like FexQuotes better for FE, but Adam doesn't list LH or Single Premium rates.

Half right