Who Will Take Him?

[Newby]

i didn't state anything about a ROP, which is a good thing for a TERM policy, guy was saying he wanted a life policy that was easy to write and basically be guaranteed coverage.

I will no longer reply or even look at this website, because good lord knows the hand full of you jackasses - all male i might add - are know it alls and i thought this would be a place to learn and share things with each other.

It has become very clear to me again why i am an independent agent and don't have to be associated for folks who are so full of themselves and so quick to try to get a slander or jab or poke in on someone in hopes it makes them look like the "big man on campus"
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yeah i know right Jacob, i'm an ***......

if the guy qualifies with another company for immediate coverage and only wants term, i would certainly put the guy in that plan and yes i'd tell him what a ROP rider is and how it works and let him decide if he wanted it or not.

The way the question was asked sounded to me like the guy was looking for a quick fix for the guys life insurance needs and the rates with PM is not outrageous and its whole life not term. If he is wanted FE ummmmmmm then he needs it for more than a term.

I will not look at this site again, i looked at it as a learning tool, i must have be crazy to think that....what it is for the most part is a bunch of blow hard males who need to feel better about themselves so they post smartass comments to everyone.......well, you will no longer get that pleasure from me. And pat yourself on the back for showing that , yeah, the majority of male insurance agents in the south, especially Tennessee obviously feel threatened by a little ole girl.

Karen,

In all honesty, selling an insulin diabetic a "no questions asked" policy (aka:guaranteed issue) is one of the worst choices you could give him, he easily qualifies for full benefit 1st day at preferred rates with many companies.

Term is bad if he lives too long but your option is bad if he dies too soon. Plus you are going to put him on a high sub-standard premium for all of his life when he can easily get better.

Seems like you should have learned something very valuable on this thread.

 

[jacobtn]

a "quick fix"? apparently you weren't joking were you??? you said above in your earlier post that the GI policy with physicians mutual was whole life. now you are saying its term. which is it? You are confusing ROP term with modified whole life, which is ROP at death in the first 2 yrs. Poor choice for anyone, most people can get 1st day coverage, and the ones can can't are better off with other plans as they are grossly overpriced.

no reason to get an attitude, bottom line is a physicians mutual GI policy is a good option almost never. Much better options out there for just about anyone.

you will learn a lot on this forum, but come with an open mind and thick skin if you are going to be posting information that is incorrect.

i didn't state anything about a ROP, which is a good thing for a TERM policy, guy was saying he wanted a life policy that was easy to write and basically be guaranteed coverage.

I will no longer reply or even look at this website, because good lord knows the hand full of you jackasses - all male i might add - are know it alls and i thought this would be a place to learn and share things with each other.

It has become very clear to me again why i am an independent agent and don't have to be associated for folks who are so full of themselves and so quick to try to get a slander or jab or poke in on someone in hopes it makes them look like the "big man on campus"
- - - - - - - - - - - - - - - - - -


yeah i know right Jacob, i'm an ***......

if the guy qualifies with another company for immediate coverage and only wants term, i would certainly put the guy in that plan and yes i'd tell him what a ROP rider is and how it works and let him decide if he wanted it or not.

The way the question was asked sounded to me like the guy was looking for a quick fix for the guys life insurance needs and the rates with PM is not outrageous and its whole life not term. If he is wanted FE ummmmmmm then he needs it for more than a term.

I will not look at this site again, i looked at it as a learning tool, i must have be crazy to think that....what it is for the most part is a bunch of blow hard males who need to feel better about themselves so they post smartass comments to everyone.......well, you will no longer get that pleasure from me. And pat yourself on the back for showing that , yeah, the majority of male insurance agents in the south, especially Tennessee obviously feel threatened by a little ole girl.

 

[rousemark]

Apparently she does not know the difference between an ROP rider and what is commonly referred to as an ROP FE policy..

 

[GoCubsGo]

I guess Karen deleted her posts and is home licking her wounds. Nothing wrong with a lesson learned Karen!

 

[JustinSane]

GPM Life will take him at level benefit, as long as no more than 80 units of insulin daily. Doesn't matter when diagnosed. $10,000 = $42.49/month