Simplified Issue GUL

Have you seen the rates yet, if so where do they fall say for f25 25k

It has 3 rates just as GUL. Pref, Stnd & Rated.

Sagicor Non-Par SIWL $25k for a 25Fns is:
$21.33/mo - Pref
$23.20/mo - Stnd
$29.21/mo - Rated

Compared to RNA $25k of Stnd Essential Non-Par WL: $21.14/mo.
Compared to RNA $25k of Stnd Essential Non-Par EWL-PU65: $23.25.
Compared to RNA $25k of Stnd Essential Non-Par EWL-20pay: $32.05/mo.

Compared to Assurity $25k Par WL: $28.38/mo.

Comparable to RNA with Quicker Issue from Sagicor. I would still lean toward RNA for a Non-Par Plan with the Limited Pay Options for those under age 40.

FexQuotes should have them on the quoter soon.
 
After looking over the Sagicor Sage Whole Life I'm still partial to the LBL Flex4Life whole life. It goes down to a 10K face whereas the Sagicor and I believe RNA is minimum 25K.

25 FNT @ 25K= 20.49 for LBL

Minimum 10K max 4mil, Non-med 10K-250K age 0-15 (Juvenile) age 16-80
 
It has 3 rates just as GUL. Pref, Stnd & Rated.

Sagicor Non-Par SIWL $25k for a 25Fns is:
$21.33/mo - Pref
$23.20/mo - Stnd
$29.21/mo - Rated

Compared to RNA $25k of Stnd Essential Non-Par WL: $21.14/mo.
Compared to RNA $25k of Stnd Essential Non-Par EWL-PU65: $23.25.
Compared to RNA $25k of Stnd Essential Non-Par EWL-20pay: $32.05/mo.

Compared to Assurity $25k Par WL: $28.38/mo.

Comparable to RNA with Quicker Issue from Sagicor. I would still lean toward RNA for a Non-Par Plan with the Limited Pay Options for those under age 40.

FexQuotes should have them on the quoter soon.

I agree. I will like to see the rated options. Do you have the rates on F65 25k?
 
After looking over the Sagicor Sage Whole Life I'm still partial to the LBL Flex4Life whole life. It goes down to a 10K face whereas the Sagicor and I believe RNA is minimum 25K.

25 FNT @ 25K= 20.49 for LBL

Minimum 10K max 4mil, Non-med 10K-250K age 0-15 (Juvenile) age 16-80

I am not sure how underwriting is at LBL??? I know RNA (Easy paperwork and underwriting) and Sagicor (good underwriting and Fast Issue with the eApp) take a lot of risks.

I would like to learn more about LBL though from a guy that writes them. Can you call me Monday or Tuesday to discuss.... I would like to know more about them.... They have other product that is interesting also.

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I agree. I will like to see the rated options. Do you have the rates on F65 25k?

I will email the rate sheets to you in a couple of minutes.

Skipper
 
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I agree. I will like to see the rated options. Do you have the rates on F65 25k?

Sagicor:
65FNT for 25K - Pref-89.33
Standard-98.33
Rated- 103.25
LBL

65FNT for 25K -85.63

Here is the Flex4Life app. Application must be submitted. Underwriting consists of MIB, RX, MVR, and PHI.

They give a yes or no at the end of the call.
 

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Sagicor:
65FNT for 25K - Pref-89.33
Standard-98.33
Rated- 103.25
LBL

65FNT for 25K -85.63

Here is the Flex4Life app. Application must be submitted. Underwriting consists of MIB, RX, MVR, and PHI.

They give a yes or no at the end of the call.

Looks like an easy app just like RNA... Without the call.

It would be a perfect world if LBL had a 20pay or PU@65 plan like RNA... At the younger ages, RNA shines with those plans.

I Like LBL so far though.

The biggest drawback so far is the AM Best Rating with LBL (B Stable) which was upgraded in 2012 due to some smart reinsurance decisions... Not as much an issue with face amounts under $50k....
 
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Looks like an easy app just like RNA... Without the call.

It would be a perfect world if LBL had a 20pay or PU@65 plan like RNA... At the younger ages, RNA shines with those plans.

I Like LBL so far though.

They do. The Flex4Life is either paid up at age 100, ten pay, 20 pay, or paid up at age 70.
 
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