Carrier to Write with Instead of LSW...

[lifeagent13]

I have been writing with LSW mostly for the living benefits with the term and UL. I also like how anything less than 250K is non med....

I am looking at North American but they only offer Fully underwritten products?? Just looking to see what else is out there

 

[DHK]

American National offers non-medical underwriting on WL, IUL, UL, and term up to $250k.

Independent Marketing Group of American National

 

[TwiLight]

I agree, ANICO is also very good.

You will also find SAGICOR very good on Non-Med/SI underwriting for Term and GUL and also has built in Chronic and Critical Illness Accelerated Benefits.

Pricing and the eApp for those products is very easy...

They also have one of the most competitive SPWL products... I call it lawyer proof..... Interest sensitive and Index options with return of premium guarantee from day one.... Good Face to premium ratios and will underwrite to table 4 risk as Standard.....

 

[lifeagent13]

Does American National offer living benefits and e-app? My IMO has them as an option unfortunately they don't have a contract with Sagicor.

 

[DHK]

Independent Marketing Group of American National

Independent Marketing Group of American National

 

[gy5225]

I would love to answer or help with any questions pertaining to American National. I am a multiple line agent working for them. Grant.young@american-national.com is where you can reach me or at 509 591 9772

 

[goillini52]

This is some great information. Thanks for sharing.

Richard Martinez
Latin Agents Alliance

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This is some great information. Thanks for sharing everyone.

Richard Martinez
Latin Agents Alliance

This is some great information. Thanks for sharing.