Thoughts on $25,000 Fully Underwitten???

[CFP83]

To age 121 on Compulife:

Him Pfd Midland/National North American $574.75
Him Rg Midland/National North American $697.25

Her Pfd Midland/National North American $451.00
Her Rg Midland/National North American $565.75

Since the above is to age 121, these numbers are the most impressive I've seen. And yes I was initially asking about Genworth once Newby brought them up...it's nice to hear about other options though as I'm not too crazy about Genworths Comdex or coverage that only goes to 100.

I am not contracted with Midland, would you all suggest I go direct with them?

 

[shooter]

Since the above is to age 121, these numbers are the most impressive I've seen. And yes I was initially asking about Genworth once Newby brought them up...it's nice to hear about other options though as I'm not too crazy about Genworths Comdex or coverage that only goes to 100.

I am not contracted with Midland, would you all suggest I go direct with them?

Midland is a PPGA type set up. I am sure they have a
regional that covers your area.
North American you can write through your IMO.
Most IMO's carry them.
Both A plus and owned by Sammons I believe.
Prices are close to the same with either company.
Midland does require you do $1800 of premium to keep a contract.
At least that is what I was told by the regional in my area.

Shooter
Roll Tide!!

 

[Newby]

The GenGuard policies will guarantee to age 121 but their quoter only shows to 110.

The illustration itself will always have a quote to 121 with that premium amount built into it.

 

[TRSecurity]

Undwritten UL - Midland "EGULII" will get you very low rates. The guarantee is out to age 120, payments stop at age 100. They go down to $25k. Also get the living benefit riders with that. We do a lot of fully underwritting business this way.

 

[CFP83]

A sincere thank you to all who have replied here.

I've been running into more cases where I have a couple age range 60-70 who is in great health and wanting 50k or 75k of coverage. At these ages whole life just doesn't get the job done as economically as UL, and if the clients health is great I feel they deserve better than "standard".

It looks as if Midland seems to be the all-around best option here, and their financials and Comdex are very sound as well.

Thanks again everyone