Western Southern
- Thread starter jmarkk1
- Start date
- 19,666
I don't run into them often but I love it when I do. They are LH/Bankers Life/Old American high.
That person either doesn't know what he has or it is many, many years old.
You need to see the policy.
Well the Lafayette Life Heritage plan (Non-Med Par) or Protector (FE) would be $45/mo which is a subsidiary of W&S.
Now the question is how long have they had the policy W&S would not be that much lower the Lafayette. The issue age would be about age 51 with Lafayette to get $35/mo.
- Thread starter
- #4
- 19,666
You need to take a look at what he bought. This doesn't add up. Non tobacco rates do fall in that line.
You are exactly Right JD. I just checked the Lafayette Rates and it would be $35/mo for a 58M-NS.
I bet that is what was sold to him and not Tobacco rates.
- Thread starter
- #7
- 118
I used to worked for them a while back...They have quite a few WL products. 20 pay life, WL with dividends, WL w/o dividends, and GI WL with a 2yr ROP....Depending on age and amount, some of their products are can be Non-Med. For the most part they do underwrite. They have good products just the way they treat their agents and management staff is a different story.
cpete1993
Expert
I just resigned from W&S, their WL rates aren't terribly bad, but everything is underwritten and takes a while to get issued. Their smokers rates are horrible though, many cases it doubles the premium.
