Simplified Vs Fully Underwritten Rates

Discussion in 'Life Insurance Forum' started by tomr15, Jul 28, 2017.

  1. jdeasy
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    The average age on the MP leads is 58-60? That's a huge change from my MP days. I would like that better.:yes:
     
  2. TwiLight
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    Yea. You are selling to the same people. They just got older.

    People 30-50 only make up about 20% of the leads. I believe that age group doesn't even read any mail let alone reply/send back a DM reply.
     
  3. Baseball7
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    So generelly MP is a healthier, more afluent 40-65, the oppsite of what you'd see with FE at those ages?

    Are things like ROP, Disability and WOP Riders all that popular?
     
  4. WinoBlues
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    That.

    I have only spoken to him a couple times. His knowledge and use of targets filters is pure experience. I would not be surprised if he could tell you the most common eye color of leads in a certain zip code.

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    All those Term orphans that are terming out are a gold mine.
     
  5. Baseball7
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    Kinda like all these crashing UL's have yielded some high premium FE cases.
     
  6. Agentguy5
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    Mariana and I both have Term ROP policies!
     
  7. WinoBlues
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    Yup, they do not fit the FE Market demographic but they do the SIWL / SI term Market.

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    Doug, what are your thoughts on the RdPdUp options some plans offer and SI term plans?
     
  8. bluezebra48
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    I am 100% over the phone. Love the Foresters, good product. Sagicor is still my number 1, especially with the new lower rates.
     
  9. Agentguy5
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    My ROP term has a reduced paid up option so it will be nice to have that, if I chose to use it instead of taking the premium back.
     
  10. Baseball7
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    Does Foresters Your Yerm pay noticably less then the other SI term products?
     
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