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I had this happen with Americo Life on a death claim that I personally had within the 1st year on their no questions asked product called the Silver Consideration Plan. Presidential life has a 2 year period that you must return your commissions if the clients dies.
What companies do you represent that do not ask for the premiums back if the clients dies within the 1st year? I know of seen several companies ask for their commissions back if the policy is rescended or if death occurs within the first year. This does not come up often, because most agents don't have death claims within the 1st year.
It does not seem like UHL is the company for you. Seems like you think you may have a death claim within the 1st year and have to repay back your commissions and you feel like that they have too many questions on their graded benefit plans. I think the questions helps with the chances that are a high risk of dying within the next year.
You are correct that UHL is not the company for me. I do not write for them anymore.
They ask more questions for their graded benefit than many other companies ask for immedicate benefit.
Why do you agree with a company charging the agent back for a client's death? As for being charged back, I just had a LH client die in the 11th month. They charged me back one month.
UHL should team up with Parker and Asses. Seems like a match made in heaven.