Vantis Life Contract Offer...

It's not the 40% as earned its the risk of the client ridings in the first 2 years and all the commission charged back that you already spent. Otherwise it should be 40% on business you otherwise wouldn't get.

but i use kemper.. so its 55% i wouldnt get.. that i do.. and i only have to hold on to it for a year. 1 year charge back > 2 year charge back
 
but i use kemper.. so its 55% i wouldnt get.. that i do.. and i only have to hold on to it for a year. 1 year charge back > 2 year charge back

I considered Kemper but their rates are so high it's not even in the ballpark. I think I'm going to just pass on the 1-3 GI's I meet a month rather than take the full risk for low rewards.
 
Madames Todd and JD keep a crystal ball in the trunk just in case the insurance business gets slow... I hear they are also good at palm reading, phrenology and Tarot cards.. :yes:
LOL! You guys are comedians. Besides the greatly appreciated advise on FE, I get a good laugh every time I read this forum.:D
 
I don't have Kemper in my state - other than Vantis and Gerber - does anyone know of any GI policies that will insure people under the age of 50? I know Gerber and Americo UPIII won't write under the age of 50. I have a number of clients in their 40s that are HIV+ and I would love to be able to help them out with a product. Seems odd to tell them they have to actually be OLDER to be able to get insurance. Many of them have been living with HIV+ for over a decade. They aren't concerned about the waiting period, they just want to make sure they have some coverage in place. Any advice would be greatly appreciated. Thanks.
 
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