Simplified Issue IUL

May 12, 2016

  1. wfs
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    wfs Guru

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    I am looking for a fast-issue simplified issue IUL with an electronic application, other than LSW. If the same company has a simplified issue term, that would be perfect.

    I've heard about ANICO (not sure if they have a SI term too), but I do not know anything about their products.

    Suggestions?
     
    wfs, May 12, 2016
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  2. scottstreet
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    scottstreet Guru

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    ANICO is non-med not SI. No blood/urine but medical history, RX, DMV, APS
     
  3. DHK
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    DHK "YOU CAN'T HANDLE THE TRUTH!"

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    Up to a $250,000 face amount though.
     
    DHK, May 13, 2016
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  4. Norwayguy
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    Norwayguy I have spent way too much time here.

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    And the same non med term product as well.
     
  5. aclaro
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    aclaro Super Genius

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    ANICO had SI term and the have non med on all their products up to 250k
     
    aclaro, May 13, 2016
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  6. scagnt83
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    scagnt83 Worldwide Expert of Everything

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    Im curious why you would want a SI IUL?

    And do you mean SI, or just non-med?
     
    scagnt83, May 13, 2016
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  7. pfg1
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    pfg1 Guru

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    I'm also assuming you mean non-med. LSW is not SI either, just non-med (under $250k) as I'm sure you know.

    Sagicor could be another carrier to look at for easier issue prods.
     
    pfg1, May 13, 2016
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  8. wfs
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    wfs Guru

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    I mean a Non-Med IUL.
    How does Anico's stack up against LSW? Does it have the ABRs?

    I have Sagicor for non-med term... Would like to add a good non-med IUL to the portfolio.
     
    wfs, May 22, 2016
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  9. Lewis_FL
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    Lewis_FL Super Genius

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    Principal has non-med up to $1,000,000 for Preferred and Preferred+ only. Lincoln up to $1,000,000. Voya up to $500,000. All depending on age limits. These are for "healthy" clients only.
     
    Lewis_FL, May 22, 2016
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  10. Glen Shelton
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    Glen Shelton Guru

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    Doesn't LSW have an "express issue premium" down to table 4? I always noticed it when quoting but never bothered with it because the premiums were such a joke.
     
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