True Stage

[jdeasy]

Their E-App picks up nearly all the meds and then some that I check prior to using them.

They also have Covid questions that are an addendum at the end. A yes to any of them gets no decision,goes to further UW for a closer look.

They are a lot like Trans. They will take meds level that rate/decline a policy elsewhere if they have been prescribed more than 3 years. Trans 2 years.

Nitro,Isosrbide is a decline with RNA but Am Am will take it level if they have been prescribed 3 years.

They have also surprised me with declines I didn't expect so I do feel they UW my applications,no doubt.

I understand they're a little high in comparison to what you use. I understand they are hard to work with,don't know what they are doing in comparison to companies you use.

My experience is completely positive with them.

Maybe it's because I can't compare them to who/what you are writing?

They are not a little high to what I use. they are just over priced period. Way over priced. And I've found many COPD issued level. Most we have been able to get rescinded and refunded. None of them do replacement forms and AmAm doesn't care.

AmAm knows that they are being clean sheeted and they don't care about that either.

There is no reason to compare them to what I write.

I wish there was more amam out there. As easy to replace as SL, LH, OA or Bankers.

 

[noah]

Am am will decline things or rop in a second . Stuff like inhalers and heart stuff their good . There the only fe E-App that shows all the meds at end of app . You know why their declined so no second questing where to place then. I really like am am

The only time I don't receive an instant decision is when they've had Covid in the last 12 months but more than 90 days out. It goes to "further UW" and then comes back "issued as applied ".

Critical to get that decision while we are there.

BTW,I recently used LBL for e apps after backing off from them due to poor performance. I experienced much better results with their UW tool and received instant decisions.

I would not hesitate to use them again. They do not ask about Covid.

I ran into several recently who had Covid in the last 90 days which are ROP with Am Am.

I drill down on inhalers. Many times they pop up at the end and the PI was prescribed albuterol,pro air for a seasonal condition.

I do my best to make sure they are truthful.

I most always have plenty of leads and will trash one in a minute. I feel most of my people know better than lie to me. They get an education on contestability and karma when they meet me.

There are many desperados that are simply there to sell a large premium and run.
Many are drunks,behind on child support,alimony and have made many lifestyle mistakes.
They will manipulate,lie to the clients and companies,take advantage of the company's automated UW.

I just do the right thing.

 

[BibH]

The only time I don't receive an instant decision is when they've had Covid in the last 12 months but more than 90 days out. It goes to "further UW" and then comes back "issued as applied ".

Critical to get that decision while we are there.

BTW,I recently used LBL for e apps after backing off from them due to poor performance. I experienced much better results with their UW tool and received instant decisions.

I would not hesitate to use them again. They do not ask about Covid.

I ran into several recently who had Covid in the last 90 days which are ROP with Am Am.

I drill down on inhalers. Many times they pop up at the end and the PI was prescribed albuterol,pro air for a seasonal condition.

I do my best to make sure they are truthful.

I most always have plenty of leads and will trash one in a minute. I feel most of my people know better than lie to me. They get an education on contestability and karma when they meet me.

There are many desperados that are simply there to sell a large premium and run.
Many are drunks,behind on child support,alimony and have made many lifestyle mistakes.
They will manipulate,lie to the clients and companies,take advantage of the company's automated UW.

I just do the right thing.

What kind of response you getting on fe mailers on avg ?

 

[noah]

What kind of response you getting on fe mailers on avg ?

Depends. In north Florida .5-1.3 % and other areas I travel too to work 1-2%.

What part of Georgia are you mailing ? How are returns there ?

There is a group out of Valdosta that comes into my area all the time writing SL trying to replace me.

I just caught another one. It's a 7 month old GW GI 3k for $29.67.
The SL agent wrote 3 year modified 2k on him with ADD for $30.21 and Legacy Safeguard for $4 a month.

The agent lied about effective,draft date. It drafted immediately instead of the 3rd. Agent lied said it was a 2 year wait instead of 3.

They require written cancellation on the policy and a separate cancellation that can be done on the phone for the Legacy.

Bunch of crooks,watch out if your in the area.

 

[noah]

They are not a little high to what I use. they are just over priced period. Way over priced. And I've found many COPD issued level. Most we have been able to get rescinded and refunded. None of them do replacement forms and AmAm doesn't care.

AmAm knows that they are being clean sheeted and they don't care about that either.

There is no reason to compare them to what I write.

I wish there was more amam out there. As easy to replace as SL, LH, OA or Bankers.

Yesterday I ran a card. He was a M,77,NT, preferred. Dude had a freshly issued ( in the free look period) Moo Living Promise $4k $47.58 .

This was a policy sold by one of those desk jockeys.

That's all he could afford.

Looking at the rates he's got a good deal.

Just curious. How much is KSKJ for him ?

Could you have replaced it ?

 

[DonP]

Kskj only goes down to $5k . $5 k is $48.32 . So yes he would have easily replaced it giving them 25% more coverage for basically the same price . One carrier beats kskj on every quote and it's another fraternal . It's royal arcanum . There underwriting is stricter than kskj but it's very sellable . There is Fla and many states I believe . There's a reason why fraternals are cheaper . Im pretty sure they don't have to adhere to reserve requirements of the state as there not backed by the state guaranty fund .

 

[noah]

I see that ,it's $35.69.
Are you with them ?
What's street? Renewals ? E app ?
Does JD use them ?

 

[jdeasy]

Kskj only goes down to $5k . $5 k is $48.32 . So yes he would have easily replaced it giving them 25% more coverage for basically the same price . One carrier beats kskj on every quote and it's another fraternal . It's royal arcanum . There underwriting is stricter than kskj but it's very sellable . There is Fla and many states I believe . There's a reason why fraternals are cheaper . Im pretty sure they don't have to adhere to reserve requirements of the state as there not backed by the state guaranty fund .

That's just nonsense. WoW, MW, RNA, Foresters, etc. are all fraternals and all high priced. All companies have reserve requirements. kSKJ is in the top 25 companies in financials.

And there is no money in any state guaranty fund. The states do not back the guaranty fund. It's a fallacy to say so. That's also why it's illegal to use the state guaranty fund to sell against non-participants.

 

[jdeasy]

I see that ,it's $35.69.
Are you with them ?
What's street? Renewals ? E app ?
Does JD use them ?

I would use them if they were here but they are not. It's not an FE product though. I would also use SoN if they were here. They are not in my state either.

And you know what, I don't whine about companies that aren't in my state. No other agents in my state have those companies either so it's a non issue.

 

[DonP]

I would use them if they were here but they are not. It's not an FE product though. I would also use SoN if they were here. They are not in my state either.

And you know what, I don't whine about companies that aren't in my state. No other agents in my state have those companies either so it's a non issue.

I love how any company that beats the price of kskj is not a true fe product . I guess accendo's not a fe product as they refer to underwriting a lot .I've written royal's almost Gi a few times . I'll test out their level product . Jd I personally have seen the guarantee fund in action 2 times and both times the policy holder was made whole on the transfer . When we talk fe whole life policys were talking small $5-$25k policys . Every single beneficiary will receive there FULL death benefit GUARANTEED period . No life insurance death proceed in the us has never not been paid by company backed by the state guarantee fund . Although highly unlikely you can't make the same GUARANTEE a fraternal policy holder will receive their full death benefit if there's an assessment by the company on all policys .