Systemic Lupus

[WinoBlues]

Not everybody races the insurance companyto the bank.

Here, I have an extra. *

 

[Roger Chan]

This is one of the few things I'll consider Americo for. I'm tempted to write Ss billing companies for this, but haven't to this point. I hope Americo gets this fixed soon.

Better to get on the ssb wagon late than never. I too hope this gets addressed soon. Would rather write graded/modified ssb over level without ssb. That's just me.

 

[rousemark]

United Home Life Deluxe for WL ages 20-80
United Home Life DLX 20 yr term for the 20yr - 60 yr olds

*

They are changing rates December 7.. Wonder by how much?

 

[WinoBlues]

They are changing rates December 7.. Wonder by how much?

I do not know. On the whole life, they are pretty competitive now. On Term, their niche is in the underwriting tables they will take. I hope they do not jack with the ROPTerm price-wise. Especially at the younger ages. Same with the DLX. Not cheap but fairly lose underwriting. A big drawback is the $50,000 max.

 

[goillini52]

I do not know. On the whole life, they are pretty competitive now. On Term, their niche is in the underwriting tables they will take. I hope they do not jack with the ROPTerm price-wise. Especially at the younger ages. Same with the DLX. Not cheap but fairly lose underwriting. A big drawback is the $50,000 max.

Sounds like the rates are going up.>>>"Premium rates will be available in QuickQuoteTM 12/7/19."

Ready, Steady, Go!

2017 CSO Products Transition

Beginning December 7, 2019:

The following 2017 CSO product/rider updates will replace existing plans where approved:

• SI Term 20, 30, 20 ROP, and 20 DLX.
• Express Issue Premier WL, Express Issue Deluxe WL, EIWL, and GIWL.
• Provider WL.
• Protector AD.
• Child Rider.

Products from the existing portfolio will be issued for any applications signed 12/6/19 or earlier and received in the Home Office no later than 12/13/19. The exception will be for any product pending 2017 CSO approval. Applications for those products must be received in the Home Office by the end of the day 12/31/19 (must be issued and paid by 1/15/20) and will have a policy date no later than 12/31/19.

Apps dated 12/7/19 or later will be issued using 2017 CSO products/riders, where approved.

Premium rates will be available in QuickQuoteTM 12/7/19.

 

[rousemark]

I do not know. On the whole life, they are pretty competitive now. On Term, their niche is in the underwriting tables they will take. I hope they do not jack with the ROPTerm price-wise. Especially at the younger ages. Same with the DLX. Not cheap but fairly lose underwriting. A big drawback is the $50,000 max.

ROP will be two bands.$25000 to $99999, $100000 to $300000. The lower band will only return 80% of premiums, the upper band 100%..

 

[WinoBlues]

to $300000

To $300,000 is a good thing.

lower band will only return 80% of premiums

Well, that sucks. However, it will probably still beat many SIWL short pay plans.

Like you, we have gone through many changes. In the end, we get a raise.

 

[tribetime32]

Better to get on the ssb wagon late than never. I too hope this gets addressed soon. Would rather write graded/modified ssb over level without ssb. That's just me.

Agreed, I'll leave my updated thoughts about aforementioned company at this point.