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Oxford is my favorite if you are an FE agent. Because you already have them. And because their single premium underwriting is exactly the same as their FE underwriting. Just like Settlers was.I have a healthy 67 yr old non tobacco male with 6 to 7 k to buy an SPWL. Any recommendations on a good company for that? Used Settlers in the past it had a good bump on face amount on theirs.
Thanks
But Oxford is simplified underwriting and instant decision. RNA is fully underwritten. For that small difference I’m almost always going simplified issue.10K with Oxford would be $6,728.30
10K with RNA would be $6,472.20
Since RNA is cheaper AND they pay just a little more.....RNA would be who I would go with. It's a win/win situation compared to Oxford.
But Oxford is simplified underwriting and instant decision. RNA is fully underwritten. For that small difference I’m almost always going simplified issue.
That’s why most of us sell FE to start with.
By fully underwritten, you mean like a term policy or a whole life? And how much time does is take to complete the underwriting?
I'll always wait a bit for extra comp if I'm comfortable that a companies underwriting will most likely produce the same evaluation as my field underwriting.
But Oxford is simplified underwriting and instant decision. RNA is fully underwritten. For that small difference I’m almost always going simplified issue.
That’s why most of us sell FE to start with.