There is No Such Thing As a Loyal Policyholder Anymore

[billyb]

I have had a couple insured since 1999. The other day I contacted them about additional coverage. They told me to see them in July. I just called and she told me that they had bought from Lincoln Heritage because it sounded like a good deal.

$4000 age 78 female level $52.04
$4000 age 81 male modified $83.80

I can beat her rate but not his. Does anyone know LH rates to verify his premium? It is lower than anything I have. This is in Florida.

 

[Rearden]

I have had a couple insured since 1999. The other day I contacted them about additional coverage. They told me to see them in July. I just called and she told me that they had bought from Lincoln Heritage because it sounded like a good deal.

$4000 age 78 female level $52.04
$4000 age 81 male modified $83.80

I can beat her rate but not his. Does anyone know LH rates to verify his premium? It is lower than anything I have. This is in Florida.

Why is he at a modified rate?

Is he a smoker?

 

[jdeasy]

I have had a couple insured since 1999. The other day I contacted them about additional coverage. They told me to see them in July. I just called and she told me that they had bought from Lincoln Heritage because it sounded like a good deal.

$4000 age 78 female level $52.04
$4000 age 81 male modified $83.80

I can beat her rate but not his. Does anyone know LH rates to verify his premium? It is lower than anything I have. This is in Florida.

You need more companies if you can't beat LH.

 

[bboman23]

I have had a couple insured since 1999. The other day I contacted them about additional coverage. They told me to see them in July. I just called and she told me that they had bought from Lincoln Heritage because it sounded like a good deal.

$4000 age 78 female level $52.04
$4000 age 81 male modified $83.80

I can beat her rate but not his. Does anyone know LH rates to verify his premium? It is lower than anything I have. This is in Florida.

What is wrong with his health?

 

[HowdyDoody]

You need more companies if you can't beat LH.

Assuming that he can't get Graded or Level, who would you beat it with? The closest modified on FexQuotes is GPM at $96.05.

 

[bboman23]

Who would you beat it with? The closest modified on FexQuotes is GPM at $96.05.

Might be a chance he can get level depending on what's wrong with him. LH gives modified a lot when client can get immediate.

 

[HowdyDoody]

Might be a chance he can get level depending on what's wrong with him. LH gives modified a lot when client can get immediate.

Yes, but if he could only get Modified I couldn't see anybody lower in Florida.

 

[bboman23]

Yes, but if he could only get Modified I couldn't see anybody lower in Florida.

Yea me either. ...

 

[billyb]

I use FEXQuotes and I can beat LH on her, but I don't see a rate lower than LH on him. He uses oxygen, has uncontrolled diabetes and has had recent heart surgery. He is definitely a modified risk. I think the agent sold him a level product and told them that it would not pay if he died the first 2 years. I cannot believe LH has a modified product that is less expensive than anyone else. Does anyone have their rates?

 

[Rearden]

My gut says that the Lincoln Heritage agent sold him a plan based on preferred rates, but told him it would not pay the death claim if he dies within the first two years.

I see it done all the time with Lincoln Heritage agents.