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Here's a big heads up on your impaired risk cases for 2011. Start "sandbagging" your substandard cases. The only exception are unisured clients. And even then you should only pay one quearterly premium.
About this time every year, we encourage our producers to delay substandard case submissions until after Halloweeen when some medical requirements have a chance of being waved and underwriting offers are as benevolent as it's going to get.
Here is the list of table shaving & lifestyle crediting carriers that promote these underwriting programs:AG, AVIVA,AXA, Hancock, Lincoln Benefit, Lincoln National,Met, Nationwide, Principle, Protective, Pru, Tranamerica & United of Omaha.
Here are the impaired risk players going into the fall: Lincoln Benefit, Lincoln National & Principle.
Here are some sleepers that may emerge as players: AG, Met & Pru. (We'll see.)
About this time every year, we encourage our producers to delay substandard case submissions until after Halloweeen when some medical requirements have a chance of being waved and underwriting offers are as benevolent as it's going to get.
Here is the list of table shaving & lifestyle crediting carriers that promote these underwriting programs:AG, AVIVA,AXA, Hancock, Lincoln Benefit, Lincoln National,Met, Nationwide, Principle, Protective, Pru, Tranamerica & United of Omaha.
Here are the impaired risk players going into the fall: Lincoln Benefit, Lincoln National & Principle.
Here are some sleepers that may emerge as players: AG, Met & Pru. (We'll see.)
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