Term Product for NY??

Jun 14, 2018

  1. Colie06
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    Colie06 Super Genius

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    Hey guys,

    I live in GA and the carriers I have for Term wont cover my client that lives in NY.
    Tried MOO, Americo, Occidental so far..
    Any suggestions Please?
     
    Colie06, Jun 14, 2018
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  2. ///MJay
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    ///MJay Expert

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    For NY I use: Principal, Protective, ANICO, AIG, Banner, Pru.
     
    ///MJay, Jun 14, 2018
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  3. Colie06
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    Colie06 Super Genius

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    THANK you. Do you have a preference on which one you use? I'm only going to sign up with one. lol
    My client is 35 male, non smoker, no meds,6'3 340lbs. Wants about 200- 300k with ROP.
     
    Colie06, Jun 14, 2018
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  4. Lewis_FL
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    Lewis_FL Super Genius

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    Pru is the only one with ROP.
     
    Lewis_FL, Jun 14, 2018
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  5. Colie06
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    Colie06 Super Genius

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    Is that Prudential? You wouldn't happen to be able to throw me a quote would you?
     
    Colie06, Jun 14, 2018
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  6. ///MJay
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    ///MJay Expert

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    For build I would go with Pru. In the manual they are T-2.
    $300k
    30 year. $76
    20 year. $61.
     
    ///MJay, Jun 14, 2018
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  7. fed up
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    fed up Expert

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    Might be old news but All companies which want to do business in New York MUST have a separate company registered with NY to do business. Probably why your carriers won't let you quote for NY address. They might have a NY arm which you would need to be appointed with.
     
    fed up, Jun 14, 2018
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  8. Lewis_FL
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    Lewis_FL Super Genius

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    Try running a quote for Pru ROP term with a table rating and you won't get anything. Pru says you can't have that product if you're rated...
     
    Lewis_FL, Jun 15, 2018
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  9. Colie06
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    Colie06 Super Genius

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    I seriously cant find a product for ROP Term NY. Why is that??
     
    Colie06, Jun 17, 2018
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  10. Lewis_FL
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    Lewis_FL Super Genius

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    some guaranteed ULs have a ROP built in or optional.
     
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