Vantis Life Contract Offer...

[HoosierLife]

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.

Columbian MDO goes down to 25 or 30 I think. At least 30.

 

[TeaJay33]

Columbian MDO goes down to 25 or 30 I think. At least 30.

i know their senior protector is 50-80. not sure about MDO
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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.

what state are you in anyway??

 

[HoosierLife]

i know their senior protector is 50-80. not sure about MDO
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what state are you in anyway??

Just wrote an app on a 31 F.

 

[Square Peg]

Hoosier, are you contracted direct with Columbian MDO or with an IMO? Is it the same as Columbian Financial Group?

 

[WinoBlues]

Columbian MDO goes down to 25 or 30 I think. At least 30.

You are correct it is 25. Zero questions. The rate guide has a few "not intended for..." Down side is max issue is only $10,000.00

 

[HoosierLife]

Hoosier, are you contracted direct with Columbian MDO or with an IMO? Is it the same as Columbian Financial Group?

Yeah it's cfg. I'm contracted with the guy that's over IN. I don't know who to talk to for other areas. Deadhead always seems to know.

 

[Square Peg]

Thanks for the reply Hoosier. This forum has been a little beacon of light for me to help cut thru the fog that newbies encounter. Just wanted to give a shout-out to thank all of you contributing to this forum. Hope to "pay it forward" myself once I gain some traction in the FE biz.

 

[deadhead]

10000 is better than no thousand

 

[WinoBlues]

10000 is better than no thousand

That is 10,000 % correct. However, it would be a plus if it went to say $20,000.00. While $10,000 will help, they need to die soon. In a few years $10,000 will bury you so shallow a puppy could dig you up.

 

[deadhead]

That is 10,000 % correct. However, it would be a plus if it went to say $20,000.00. While $10,000 will help, they need to die soon. In a few years $10,000 will bury you so shallow a puppy could dig you up.

Well it is a GI product. How long do you think they are going to live?