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That post was in response to you saying you sell it as an add on to WL and Term clients. They already have something and already bought life insurance... so why is there a need to add on an extra $20/m for something that has a 94% probability of not paying if they die?
There are Non-Med DI policies available... even SI Non-Med DI. There are almost GI policies on the individual market they could look at. Or just look at amounts under the paramed limits on a traditional product.
Why push something like this on an insurable person who has already bought real life insurance? Doesnt make sense from a best interest perspective for the client.
It's affordable accidental coverage with large face amounts.
Had a lady who bought $10k WL from Carrier A and bought $100k Accidental Plus from Assurity for her son in law.
It was she could afford. The $12 ADB premium would have only gotten him $3k in additional WL. That $13k won't help his 2 kids. $110k will should he die from an accident. Based on his lifestyle - he stands a greater chance dying from an ATV wreck than he does Cancer or Heart Attack.