Simplified Issue Vs Fully Underwritten for Mortgage Protection

[solinor]

Hi all.

For those out there that are doing mortgage protection, what percentage of your business is Simplified Issue and what percentage is fully underwritten? Just curious!

 

[wingateexpress]

Hi all.

For those out there that are doing mortgage protection, what percentage of your business is Simplified Issue and what percentage is fully underwritten? Just curious!

100% fully underwritten. I rarely write this business anymore, but it's all about rates. Save the customer as much money as you can.

 

[mcleanbr]

I write 90% fully underwritten because it offers a better policy. I give the client the option to chose between the various benefits such as SI or LB. I limit their choices to 3 based on our discussion and what's important to them. When they do not want to go through the paramed I like Sagicor.

 

[pfg1]

100% fully underwritten. I rarely write this business anymore, but it's all about rates. Save the customer as much money as you can.

I agree with this. Only time for SI is if they have some issues, imo.