You guys always forget about Sagicor. One of the best products for Single Premium Whole Life and is Simplified Issue and has Table 4 as Standard.
9% Street on the Interest Sensitive SPWL and 7% on the Fixed Index SPWL. Client Gets 10% bonus also on the Fixed Indexed SPWL.
Cannot beat the fact that principle deposit is guaranteed to be returned on Day 1 and you never have to fight the illustrations showing less than the deposit. This is not the case with RNA, Americo, BaltLife and Standard Life & Accident.
I say this knowing that my IMO also represents Americo, BaltLife and Standard Life & Accident.
Sagicor would also need about $60k for a face of $100,000 on the Fixed Index SPWL. The other companies are all fully underwritten whereas Sagicor requirements are: Telephone Interview, MIB and Intelliscript.
If your client wants to go through a Paramed, Blood & Urine and an APS with low cash values and can get the policy issued preferred as you say, than BaltLife would give you the most commission and face combo.
9% Street on the Interest Sensitive SPWL and 7% on the Fixed Index SPWL. Client Gets 10% bonus also on the Fixed Indexed SPWL.
Cannot beat the fact that principle deposit is guaranteed to be returned on Day 1 and you never have to fight the illustrations showing less than the deposit. This is not the case with RNA, Americo, BaltLife and Standard Life & Accident.
I say this knowing that my IMO also represents Americo, BaltLife and Standard Life & Accident.
Sagicor would also need about $60k for a face of $100,000 on the Fixed Index SPWL. The other companies are all fully underwritten whereas Sagicor requirements are: Telephone Interview, MIB and Intelliscript.
If your client wants to go through a Paramed, Blood & Urine and an APS with low cash values and can get the policy issued preferred as you say, than BaltLife would give you the most commission and face combo.
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