Term Product for NY??

[Colie06]

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?

 

[///MJay]

For NY I use: Principal, Protective, ANICO, AIG, Banner, Pru.

 

[Colie06]

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.

 

[Lewis_FL]

Pru is the only one with ROP.

 

[Colie06]

Is that Prudential? You wouldn't happen to be able to throw me a quote would you?

 

[///MJay]

For build I would go with Pru. In the manual they are T-2.
$300k
30 year. $76
20 year. $61.

 

[fed up]

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.

 

[Lewis_FL]

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...

 

[Colie06]

I seriously cant find a product for ROP Term NY. Why is that??

 

[Lewis_FL]

some guaranteed ULs have a ROP built in or optional.