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UA Med Supp:
The first (and only) time I ran into a UA client was several years ago. The lady was about 80 and, at the time, she had UA Med Supp and LTC. I sat through the UA webinar today and LTC wasn't listed in their assortment of add-on products, so they may have dropped that line. My point about this lady is she wouldn't even consider looking at another med supp, that I believe would have saved her 800-1000 a year! She even made a statement to the effect that she would never give up her United American! I'd never run into that before.
But it did make me wonder about their sales approach. So after years of receiving mail, e-mails and phone calls, I attended their webinar this morning. I understand their approach. I get it. Most of my clients are a retired niche market that are upper middle to high income. The High Deduct F plan might make sense to quite a few of them, especially a few that don't carry a thing besides orig. Medicare, because they are "self-insured". And especially if we could use some of that extra premium for LTC, annuity, life, etc.
However, before I sent in the online contracting, I thought I'd come here to the forum for a little more checking AND because the contract did not include a comp schedule. (I'm waiting for a return call to address that issue.) Somewhere on the forum (not this thread), someone said that if anyone cancels within 5 years you would owe all commissions back. (If that is true, it is definitely a no-go) I haven't verified that, so I don't know, but I was able to save the contract as a file and will look it over closely before and if I continue the process.
All that said, the webinar did provide some pretty good insight into how they present the Hi-Ded Plan F, if you want to consider it. Any comments or further insight, especially from agents with UA experience would be appreciated.
no you're vested 100% day one dollar one, the only exception is when you term you writing number they wont release your renewal check until it amounts up to $500.........some of the older contracts its less..............as far as non HDF rates it depends what state you're in, which area. We are competitive in many states. Like in CA we are competitive, and you will sell our plan G over F. If you are a CA agent feel free to reach out to me.