I recently got a Sagicor contract. Mostly because they’re GUL rates are insanely cheap and would totally make sense for healthy non smoking people, who are 64 and younger and want a high DB. As I become more experienced in this business I feel super bad when I’m writing a simple final expense WL product for someone who is in their 40s 50s, especially when they are healthy. Obviously my commission from SIWL products are a lot higher but when someone is looking to leave more money to their kids or just want a high death benefit a GUL is the way to go. But my question is how come when you look up traditional products on fex quotes Sagicor blows everyone out of the water, even their standard rate! I know their underwriting can be strict and they punish smokers. But what else am I missing? Thier GUL look good to be true. Why in how are the rates so much lower than everyone else? Do they only pay a death benefit if you die on a full moon or something? LOL