US Financial Agents

Discussion in 'Life Insurance Forum' started by STIBROKER, Dec 21, 2006.

  1. STIBROKER
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    STIBROKER God Moderator

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    The Minimum Face Amount is going from $100,000 to $250,000.



    Now, you might think that this is NOT Great News and that is what I initially thought as well. HOWEVER, after really looking at it I have discovered that this is PERFECT for what US Financial does; offer YOUR clients with controllable health conditions Life Insurance at affordable prices.



    This is what I found.



    1. $250,000 of RightTerm at SuperStandard is more competitive than the most competitive carriers Table 4 rates for $150,000.
    2. Clients wanting to buy Less than $250,000 AND have a condition that is table rated can now get MORE coverage in the majority of cases, for less dollars.



    EXAMPLE: I compared all the major term carriers at Table 4 vs. USFinancial at SuperStandard.

    Note: West Coast had the Lowest Cost Table 4 Premiums.



    Male Age 45 $150,000 Coverage WCL vs. $250,000 US Financial

    Non Smoker



    10 Yr. Term $ 42.26 vs. $ 45.15

    15 Yr. Term $ 60.91 vs. $ 56.52

    20 Yr. Term $ 75.08 vs. $ 69.87

    30 Yr. Term $125.74 vs. $113.48



    Male Age 55

    Non Smoker



    10 Yr. Term $100.80 vs. $ 93.01

    15 Yr. Term $141.23 vs. $128.16

    20 Yr. Term $187.16 vs. $166.21



    Female Age 60

    Non Smoker



    10 Yr. Term $100.54 vs. $110.14

    15 Yr. Term $168.00 vs. $151.97

    20 Yr. Term $205.01 vs. $203.37









    So as you can see US Financial is still the place to put your clients with controllable health conditions. Simply explain to your client that they get more for less.
     
  2. bluemarlin08
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    bluemarlin08 Guru

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    The last US Financial policy I reviewed does not have any conversion privileges.
     
  3. Dave020
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    Dave020 Super Moderator Moderator

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    US Financial stopped selling new policies a couple of years ago.
     
  4. STIBROKER
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    STIBROKER God Moderator

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    from 2006....really....why are you post padding my board...

     
  5. Norwayguy
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    Norwayguy Guru

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    Dave you beat me to my response...nothing like digging up a 4 year old post.
     
  6. pdoyle
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    pdoyle Super Genius

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    I do miss them though... oh what fun telling the "almost" un-insurable we could get them preferred rates...
     
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