Best Value Policy Out There???/

[rousemark]

That might be your experience but it is certainly not mine. I called them three times two weeks ago, and each time I had to wait for at least ten minutes just to get a live person.

Their PHI is one of the worst I have ever used. It is very long and tedious and they often times go off script with questions that are not on the application. They admitted to me they are a niche company and they expect very high cancellation rates because of it. In fact, 1/3 of their policies fall off the books in one year. That number was quoted to me by a higher up manager whom had been with them for ten years.

The people that they approve under their whole life policy,{not deluxe or premier}, are much better off going to Gerber. They will get the same coverage for half the money.

The last time I sent them business it was a family of 5 over a year ago. They had everything screwed up from the very beginning. They drafted on the wrong dates, several times. It got so bad the family cancelled all 5 policies. Now granted the family of 5 weighted in at 1500 pounds plus, but that is the kind of people they cater to.

57 MT deluxe 10K is $73 per month. Through SNL he would be under $50.

67 FNT deluxe 10k is $61 SNL equals $48.

Those are the only two I compared. But my memory tells me they were never competitive on price. Yes you can get some dead beats who can barely fog a mirror approved deluxe with same day coverage but too many of them fall off the books to warrant sending them business, IMO.

Why are you quoting Deluxe? If thy qualify for deluxe and are not an insulin dependent diabetic, being treated for lupus or bipolar or schizo, they will qualify for Premier which is $56.02 and $45.45... Can't really address the other issues but when I bought my coverage from them, the phone interview was pretty painless. I was taking a "no no" drug but when I explained to them I was using it off label, the coverage was approved.

 

[Baseball7]

There phone interview is damn near 'casual.' There preferred rates are well in top tear, and delux is a niche use.

 

[nfl72]

To qualify for premier you

1. can't be on insulin.
2. You can't have had a revoked or suspended drivers license.
3. You can't have been convicted of a felony.
4. You can't even have collected disability income within the past three years.
5. You can't have been hospitalized 2 or more times.

My typical FE buyer will not qualify for Premier. That's why I quoted Deluxe. Last week I wrote 5 policies. Four out of 5 could not answer the above questions no.

 

[Baseball7]

To qualify for premier you

1. can't be on insulin.
2. You can't have had a revoked or suspended drivers license.
3. You can't have been convicted of a felony.
4. You can't even have collected disability income within the past three years.

**wrong, ssd 65 and below

5. You can't have been hospitalized 2 or more times.

**plenty of carriers including lbl ask this

My typical FE buyer will not qualify for Premier. That's why I quoted Deluxe. Last week I wrote 5 policies. Four out of 5 could not answer the above questions no.

Again your not but 50% right

 

[jdeasy]

Again your not but 50% right

He's way more than 50% right. UHL may not be the worst FE company out there but they are in the running for it.

 

[rousemark]

To qualify for premier you

1. can't be on insulin.
2. You can't have had a revoked or suspended drivers license.
3. You can't have been convicted of a felony.
4. You can't even have collected disability income within the past three years.
5. You can't have been hospitalized 2 or more times.

My typical FE buyer will not qualify for Premier. That's why I quoted Deluxe. Last week I wrote 5 policies. Four out of 5 could not answer the above questions no.

You can't even get Deluxe if you have a felony in the last ten years.. Disability is only applies to those under 65 and only in the last six months not three years:

I seldom run into felons and disabled but I don't work DM leads either. I can see where that would make a difference.

 

[Baseball7]

He's way more than 50% right. UHL may not be the worst FE company out there but they are in the running for it.

So say your in a state without KSKJ, SNL, Trinity, SLAC, etc what would you do?

 

[jdeasy]

So say your in a state without KSKJ, SNL, Trinity, SLAC, etc what would you do?

Move..............................................

 

[HoosierLife]

Move..............................................

Lol. Is lifeshield in your state baseball??

 

[PA Bill]

Move..............................................

But Willie Nelson says you can't find happiness on the road, you have to take it with you.