Sagicor Final Expense Rates

[TwiLight]

Thank you, I was wondering if you had some super IMO information. ;-)

I will start running illustrations tomorrow and calling the companies. This business is always in a state of change.

Your are very welcome. My super powers are legendary.

 

[gordon112]

I ran a quote for this guy 62/M smoker and I came up with Assurity as being the best for 10 year level term. If I find out the guy is looking for pure death benefit with the highest amount of coverage this may be the best bet. It is also a 10year level guarantee 50k (20k more in coverage, for 80.44). He will be paying 88/M in 3 years for only 30k with no rate guarantee. This is also Non med, and should fit his budget.

I will be also showing him the RYN essential life option, both the 20pay and WL.

Thanks for every ones responses. I am not sure if Sagicor is a fit for a smoker under 100k with a budget most likely under 100/M and for roughly the same prem I would rather go WL then GUL and I am sure we can argue that for a while. I am with JD for a lot of the reasons he mentioned.

 

[WinoBlues]

I ran a quote for this guy 62/M smoker and I came up with Assurity as being the best for 10 year level term. If I find out the guy is looking for pure death benefit with the highest amount of coverage this may be the best bet. It is also a 10year level guarantee 50k (20k more in coverage, for 80.44). He will be paying 88/M in 3 years for only 30k with no rate guarantee. This is also Non med, and should fit his budget.

I will be also showing him the RYN essential life option, both the 20pay and WL.

Thanks for every ones responses. I am not sure if Sagicor is a fit for a smoker under 100k with a budget most likely under 100/M and for roughly the same prem I would rather go WL then GUL and I am sure we can argue that for a while. I am with JD for a lot of the reasons he mentioned.

Then why are you quoting 10 year term? Just asking.

 

[gordon112]

Then why are you quoting 10 year term? Just asking.

I have to find out if he is looking for pure Death benefit at the lowest price since that is what he thought he was getting I will also be mentioning the guarantees of whole life and this is what his wife has. I feel I need to have both bullets ready in the barrel imho to be doing the best job.

 

[WinoBlues]

I have to find out if he is looking for pure Death benefit at the lowest price since that is what he thought he was getting I will also be mentioning the guarantees of whole life and this is what his wife has. I feel I need to have both bullets ready in the barrel imho to be doing the best job.

I hear you. The term takes away the AARP premium argument. I do not have the RNA Essentials rates handy but have to think it is not cheap. With a minimum $25,000 face it has to be at the top end of his budget. WL is best if he will pay for it.

10 year term ---------------------------------Whole Life =
Pellet Gun------------------------------------ 357 Magnum

Option for a back up weapon:

Pellet Gun-------------9mm-------------------357 Magnum
Term-------------------GUL (10 pay)----------357 Magnum

INHO

 

[gordon112]

I hear you. The term takes away the AARP premium argument. I do not have the RNA Essentials rates handy but have to think it is not cheap. With a minimum $25,000 face it has to be at the top end of his budget. WL is best if he will pay for it.

10 year term ---------------------------------Whole Life =
Pellet Gun------------------------------------ 357 Magnum

Option for a back up weapon:

Pellet Gun-------------9mm-------------------357 Magnum
Term-------------------GUL (10 pay)----------357 Magnum

INHO

LOL, I love your analogy, I ran the essential whole life with RYN and it was one of the best rates for a smoker 115 and 124 (20pay) 30k..

For example Assurity was 187, Americo 198

 

[WinoBlues]

LOL, I love your analogy, I ran the essential whole life with RYN and it was one of the best rates for a smoker 115 and 124 (20pay) 30k..

For example Assurity was 187, Americo 198

That is a great rate.

 

[MIM]

Twilight, just out of curiosity, what would a 63 yr old Male Non Smoker be quoted at for $50000 in coverage for standard and preferred ratings ? Thanks!

 

[TwiLight]

Twilight, just out of curiosity, what would a 63 yr old Male Non Smoker be quoted at for $50000 in coverage for standard and preferred ratings ? Thanks!

Sagicor GUL
96.18/mo for PrefNS
128.15/mo for StandNS

Sagicor WL
190.75/mo for PrefNS
220.88/mo for StandNS

 

[MIM]

Thanks Twilight!