Term Question

[TDFnCali]

For those of you that do term, pls tell me the best rates for SIMPLIFIED ISSUE for the following:

6ft
235 lbs
41
Male
NT
No health issues now or in the past
No prescription drugs
100k/30yr

Thx in Advance

 

[STIBROKER]

For those of you that do term, pls tell me the best rates for SIMPLIFIED ISSUE for the following:

6ft
235 lbs
41
Male
NT
No health issues now or in the past
No prescription drugs
100k/30yr

Thx in Advance

Image:
Trendsetter Super 30
Preferred Non-Smoker$17$194



Health Analyzer



.

 

[Mattschmidt]

I got transamerica trendsetter express NON MED EXAM coming out at 37 a month with a Standard Non Tobacco rating...If he got a Preferred rating Assurity would come in at 34.50

 

[STIBROKER]

I got transamerica trendsetter express NON MED EXAM coming out at 37 a month with a Standard Non Tobacco rating...If he got a Preferred rating Assurity would come in at 34.50

thats not what my health analyzer is saying...

Health Analyzer




.

 

[Josh]

For those of you that do term, pls tell me the best rates for SIMPLIFIED ISSUE for the following:

6ft
235 lbs
41
Male
NT
No health issues now or in the past
No prescription drugs
100k/30yr

Thx in Advance

Have you tried term4sale.com?

 

[Mattschmidt]

thats not what my health analyzer is saying...

Health Analyzer





.

I believe Trendsetter Super is fully underwritten, and not simplified issue... Trendsetter express would be the Non Med exam version of Transamerica's Term Insurance series...When I used your health analyzer, the non medical exam companies were not at the top of the list

 

[TDFnCali]

Have you tried term4sale.com?

Yes Josh, problem is u cant filter (from what I could tell) simplified issue from Fully Underwritten.

 

[STIBROKER]

I believe Trendsetter Super is fully underwritten, and not simplified issue... Trendsetter express would be the Non Med exam version of Transamerica's Term Insurance series...When I used your health analyzer, the non medical exam companies were not at the top of the list

sorry...I did not click to simp issue....should put in 2 apps and go through underwriting to see if he can get the $17 a month...

 

[Mattschmidt]

sorry...I did not click to simp issue....should put in 2 apps and go through underwriting to see if he can get the $17 a month...

100% agree with that statement..If your healthy, and can save $150-200 per year, it's a no brainer. That extra premium adds up over the course of 30 years

 

[Josh]

Yes Josh, problem is u cant filter (from what I could tell) simplified issue from Fully Underwritten.

Your best bet is probably to just get a feel for which carriers offer it. SI is going to be more expensive than fully underwritten. I really like Assurity for those cases, but there are others. If the guy is really worried about price, SI isn't the way to go. If the guy really wants SI, then it isn't really about price. On a term policy like this it's going to be super cheap anyway.