Explain, I asked for a cemetery discount professional courtesy yes. My fishing buddy called me his Uncle in TX wanted him to pitch in for another long lost uncles preneed age 68 downs syndrome like in a home so sob story was true, I did work for the company true, my wife still works for company true, cut cemetery remaining part of bill in about half saved $3,000 for my friend true, sales counselor at cemetery still earned most of his commission merchandise pays more than labor true, GM did a good deed is true. The funeral preneed was never brought up in conversation with GM true, and would your friend buy from someone else after that (only if he is an *** ) so for an immediate burial easy to steal away funeral to a discount competitor true. Integrity if you give a little bit away then you don't have any left.
Senior Life Unannounced Rate Increase-Normal/Abnormal?
- Thread starter titeye
- Start date
- 4,872
You seem to be getting your figures mixed up. For ex you can get the price of the casket locked in for $1500, not $3500 as you're saying, and it never goes up in price when you enroll.
$48 per year is going up in price.
- 1,832
I'm confused . Greg your saying that Legacy just gives the family the the price list that the family uses to negotiate ? I thought legacy negotiated all the prices for the family and " locked " in the price when the person took the policy . Speaking of senior life . Ran into a scum lieing SL agent who clean sheeted an app . The dude was on 3 inhalers with copd and he said no .Doesn't SL check RX?I didn't replace it because the guy was Gi, the policy was 1 yr old and it was direct express . I told them the claim won't pay in first 2 yrs . I was suprised how few questions the app asked . I didn't see were the app asked about insulin only complications of diabetes
- 1,832
I recently replaced a 2 month old SL policy written NT level after learning from the insured she was T with COPD.
She wanted to do the right thing after I explained contest ability.
She said "there was 2 of them,one was a manager and the girl was in a hurry and didn't explain anything. I told her I smoked and had COPD".
She is using inhalers too.
I'm in north Florida not far from the SL home office. There's lots of SL agents around here that are not very honest.
I'm glad they are here,I've done very well when I discover a recently written SL policy.
- 1,832
I hear you......my case went level Trans DE.
GW needs SS billing badly. They are premiering a new website next week,wooopdeedoo.
You told the guy the facts.....
- 4,872
Legacy locks in the price of the casket, vault, and monument when the insured's Sr Life policy is issued. Legacy does the price negotiation at death. Legacy gets a price list from funeral homes to aid in their price negotiations with funeral homes. After all, how could Legacy do a decent job of price negotiation if they didn't have price comparisons of the funeral homes in the area? Legacy also provides living benefits while insure is alive (discounts on diabetic socks and shoe, hearing aids, free annual hearing exam, tele-medicine).
Sr Life does Rx checks on all policies except the GI. The GI has zero health questions, no meds are checked, and no one aged 0-85 can be turned down for it. Don't know why you say the app was clean sheeted. There's zero health questions on the GI....which means it's impossible for the proposed insured to even answer "no" to COPD as you claim as there are no health questions. Maybe I didn't understand what you were saying?
Insulin is no big deal at all. Only concern is "complications from diabetes". I can take a 5 year old insulin dependent minor, and as long as everything else is ok with their health, I can get them immediate coverage at super-preferred rates or a 20 pay.
- 4,872
I think Doug is a good guy. He even talked to me last year about contracting with Sr Life. Unfortunately he lived in a protected territory so only part of Fl would have been available for him to work in. I understand why he took a pass.
By the way Sr Life is not captive. I have a P&C agent doing SL part-time in my hierarchy.
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