SBLI

[jdeasy]

So they’re growing too fast and don’t have the staff . I assure you aggressive underwriting and taking a lot of junk they’ll underwrite at time of claim. Just like rna does now .No brocheres and terrible cs reminds me of LifeShield . When i first got with LifeShield they had nothing . Advancing de with no true ss billing is a disaster waiting to hurt them .

I don’t know how fast they are growing. LS is a good comparison.

This was designed for phone sales. So no emphasis on brochures.

I agree that advancing on DE is bad business. I don’t like paid on approval either.

I was advanced with them. That’s how I found out. I never signed an advance agreement with them but they advanced me anyway.

It took a month and a dozen emails to get paid as earned.

But even as earned they pay on approval. Just one month. But they pay.

I’ve had drafting issues with them and I don’t have many policies with them. I’ve heard stories from others about draft issues.

As I understand they were allowing agents to correct and change drafts. But now require the client on the phone too.

I’m getting that second hand though.

Another issue, they don’t list that $3.95 month extra for DE anywhere on the policy.

I do like being able to print the policy right away.

I print in color. I bought some of those translucent plastic folders at Walmart to put them in

I’ll deliver the one I wrote today tomorrow.

I only picked them up for DE and COPD combo after Trans blew up.

But they have a few other niches. They do some underwriting. I had one declined.

 

[jdeasy]

RNA has very good agent,and CS. They are a pleasure to deal with.
No patience for any company that you can't get on the phone .
If they gave a shit they could fix that by valuing policyholders,agents.
I feel bad for all my Settlers and Trans policyholders who cannot get through,get horrible CS.
How are they on contestable claims ?
No brochures on the product ? Sounds lame.
T cannot get preferred ?

Todd is talking about picking them up.
Not sounding too promising so far.

RNA at one time had great service. Those days are gone.

You would think that with no more business than they get now they could improve.

An agent today wrote one and after approval the person wanted to increase the face.

RNA is requiring an amendment that will take 2 days to generate.

If a company is going to be that over priced they should at least try to be better somewhere.

 

[noah]

RNA at one time had great service. Those days are gone.

You would think that with no more business than they get now they could improve.

An agent today wrote one and after approval the person wanted to increase the face.

RNA is requiring an amendment that will take 2 days to generate.

If a company is going to be that over priced they should at least try to be better somewhere.

Just saying they are nice to talk to on the phone. Easy E App. Phone App too.

They are overpriced except in situations where we need their UW for Level.

Suboxone,diabetic neuropathy,heavy pain meds.

They recently paid 2 contestables for me.

They have a spot in my bag. Need them.

 

[Jccwell]

Are they worth picking up ?
True SS billing?
Priced right?
CS ?
Agent service?

I'd say they're worth picking up. Having a DE option for COPD is much-needed in my area.
Trans is useless.

Their rates are competitive compared to most carriers. Not a price buster by any means though.

 

[jdeasy]

Just saying they are nice to talk to on the phone. Easy E App. Phone App too.

They are overpriced except in situations where we need their UW for Level.

Suboxone,diabetic neuropathy,heavy pain meds.

They recently paid 2 contestables for me.

They have a spot in my bag. Need them.

I haven't written an RNA in over 6 years. Haven't missed them.

 

[noah]

I'd say they're worth picking up. Having a DE option for COPD is much-needed in my area.
Trans is useless.

Their rates are competitive compared to most carriers. Not a price buster by any means though.

Many in my area with COPD are heavy smokers. How much is a 7k M,T, COPD ?

 

[Jccwell]

Many in my area with COPD are heavy smokers. How much is a 7k M,T, COPD ?

Depends on age. Prices are higher for DE. Assuming client is a DE payor, here are the rates for $7k Male Tobacco with COPD:

Age 50 - 39.31
Age 60 - 55.50
Age 70 - 90.65
Age 80 - 155.66

 

[Jccwell]

Many in my area with COPD are heavy smokers. How much is a 7k M,T, COPD ?

Their rates are on Insurance Toolkit.

 

[Jccwell]

Just saying they are nice to talk to on the phone. Easy E App. Phone App too.

They are overpriced except in situations where we need their UW for Level.

Suboxone,diabetic neuropathy,heavy pain meds.

They recently paid 2 contestables for me.

They have a spot in my bag. Need them.

Agreed. I like them alright. They come in handy at times. Especially for obese folks with health issues or folks with recent mini strokes.

 

[DonP]

Depends on age. Prices are higher for DE. Assuming client is a DE payor, here are the rates for $7k Male Tobacco with COPD:

Age 50 - 39.31
Age 60 - 55.50
Age 70 - 90.65
Age 80 - 155.66

Those are very good rates for 60 yr old tobacco copd smoker 60 yr old Trans $65 and foresters $73 . Ain’t no kskj but nobody is .Very sellable . How much is 65 year old 10 k non smoker ?