Senior Life + Technology . . .

[noah]

Oh ok.

I''m also licensed in your state,other southeastern states.

Please post:

1.An application

2.Underwriting/Agent Guide

3.Rates

This way,I can get a better understanding of what you offer.

I will have time over the weekend to study the information,compare the information to my current carriers.

That way when we talk,I will have questions written down and we can have a better informed discussion.

Thank You

 

[goillini52]

Oh ok.

I''m also licensed in your state,other southeastern states.

Please post:

1.An application

2.Underwriting/Agent Guide

3.Rates

This way,I can get a better understanding of what you offer.

I will have time over the weekend to study the information,compare the information to my current carriers.

That way when we talk,I will have questions written down and we can have a better informed discussion.

Thank You

Greg said for you to call him. Sounds like he's afraid to post that stuff for everybody to see.

CALL GREG @ 252-292-3350 TODAY!

 

[theinsuranceman]

Oh ok.

I''m also licensed in your state,other southeastern states.

Please post:

1.An application

2.Underwriting/Agent Guide

3.Rates

This way,I can get a better understanding of what you offer.

I will have time over the weekend to study the information,compare the information to my current carriers.

That way when we talk,I will have questions written down and we can have a better informed discussion.

Thank You

1. Everything is handled on an ipad. Health questions, meds, etc. so agents put the client in the best correct plan. Ipad also has the same world class sales presentation which is very helpful for new agents. Ipad has rates, application is typed in on the ipad, everyone signs their name with their finger or a stylus. Then you click "submit" and you're finished.
All the apps are one page, very simple.

2 & 3. My time is much too valuable to scan and post up here.
Here's a sample:
Female 68, 5'3" and 211, no tobacco use last 10 years, been taking insulin since she was 10, also takes lisinopril (HBP), and crestor for cholesterol. She also had a stroke and a heart attach and an organ transplant 10+ years ago.
Here's her rate for $10k with another $10k for acc. death (this plan also allows her to get her casket, vault, and monument locked into place for $3500 the rest of her life, no price increases!)
This $10k plan is only $47.02 per month.

 

[theinsuranceman]

Greg said for you to call him. Sounds like he's afraid to post that stuff for everybody to see.

CALL GREG @ 252-292-3350 TODAY!

Why would I be scared to post?

 

[Todd King]

Noah, notice how Greg won't give you the rates (says he doesn't have time which is BS), but he will put an example of a very hard to place client, which most aren't. Just how many people has anyone on here run across that was insulin dependent from the age of 10?

You see, most of the people that we run across won't qualify for their Super Preferred rates (which are good in comparison to other companies). Then, there are those we get 1st day coverage for that would be graded with SL.

I do think the premium he stated is way off base as well. Their rate for Super Preferred is $40.60 per month (without acc. death) and their regular Preferred plan is $64.96, Standard is $84.66. So, I'm not sure where he's getting that rate of $47.02.

 

[goillini52]

Why would I be scared to post?

I don't know...you tell me.

Why does FexQuotes show SL's Preferred rate($64.96...one of the highest), but not their Super Preferred rate?

 

[goillini52]

I'm not sure where he's getting that rate of $47.02.

Out of thin air?

Their UW guide is on FexQuotes. I found this to be interesting.

"Super Preferred Whole Life
This product is offered to people ages 40 – 80 who have no health issues and who have not usedtobacco or nicotine products in the past five (5) years with face amounts of $5,000 to $30,000.

Due to the preferred class of risk, the following also apply:
• No third-party applications accepted (except spouses).
• Checking account only through Bank Service Plan.
• $20,001 and over: "wet ink" HIPAA required by the proposed insured; the Home Office will
order medical records.
• Only one medication per condition accepted"

So, somebody that takes 2 HBP pills can't get Super Preferred...but somebody that's had a Transplant qualifies for Super Preferred?

 

[theinsuranceman]

I don't know...you tell me.

Why does FexQuotes show SL's Preferred rate($64.96...one of the highest), but not their Super Preferred rate?

That's a question for FexQuotes, not me.

 

[theinsuranceman]

Out of thin air?

Noah, notice how Greg won't give you the rates (says he doesn't have time which is BS), but he will put an example of a very hard to place client, which most aren't. Just how many people has anyone on here run across that was insulin dependent from the age of 10?

You see, most of the people that we run across won't qualify for their Super Preferred rates (which are good in comparison to other companies). Then, there are those we get 1st day coverage for that would be graded with SL.

I do think the premium he stated is way off base as well. Their rate for Super Preferred is $40.60 per month (without acc. death) and their regular Preferred plan is $64.96, Standard is $84.66. So, I'm not sure where he's getting that rate of $47.02.

Todd, you're quoting ultimate preferred not the super-preferred. Yes you are correct most people don't qualify for ultimate preferred, but I believe it's the cheapest SIWL rate in the nation.

I'm talking about super-preferred in my example. $10k with NO acc death is $44.26. With acc death is $47.02.
For the record most people don't qualify for ultimate-preferred.
About 50% of my sales qualify for super-preferred.

 

[theinsuranceman]

Noah, notice how Greg won't give you the rates (says he doesn't have time which is BS), but he will put an example of a very hard to place client, which most aren't. Just how many people has anyone on here run across that was insulin dependent from the age of 10?

You see, most of the people that we run across won't qualify for their Super Preferred rates (which are good in comparison to other companies). Then, there are those we get 1st day coverage for that would be graded with SL.

I do think the premium he stated is way off base as well. Their rate for Super Preferred is $40.60 per month (without acc. death) and their regular Preferred plan is $64.96, Standard is $84.66. So, I'm not sure where he's getting that rate of $47.02.

Todd how do you know my schedule? I will add I don't have the expertise to post multiple pages of an agent manual and rates up here.