Underwriting for New Monumental FE Product

[Rearden]

Hmm...

-Angina diagnosed more than a year/2 years ago BUT medications administered is considered a "No" answer.

-Motor Scooters used at Wal-Mart is considered a "Yes" answer to the scooter question.

-A stent is considered "current treatment" -- thus answered a "yes"

-Anemia is considered a blood disorder.

-Chronic Asthma defined as using medication for asthma on a daily or weekly basis.

-Crazies 44 and younger on disability are graded.

-Watch out big guys and gals 44 and under; you got a weight chart now.

Ho-hum....

 

[smokin goose]

So is this the transition to Trans?? I just don't understand the big picture of what's happening with the change. Just started selling FE a couple weeks ago.

 

[Rearden]

Just sell your COPD clients Monumental Products -- that's pretty much their niche anyway.

 

[jacobtn]

Yep, along with parkinsons, younger ages no one else will write, folks over 80, and a few other niches. 5 star works well for everyone else.

 

[smokin goose]

Jacob, 50 is the youngest on 5star right?

 

[jacobtn]

Jacob, 50 is the youngest on 5star right?

yes that is correct......

 

[rousemark]

Settlers goes ages 0 to 85 .. Competitive on small face amounts..