Diabetes 1st day coverage..

[WinoBlues]

What are your other recommendations for ROP carriers? I know some of them are only returning 75% of premiums these days.

UHL ROP Term has tables built in. So it is more of an FE alternative.

 

[Colie06]

Cincinnati Life has one of the better ones. I was direct to the company. They recently wanted me to go under an upline or lose my contact. So I no longer have them. They return 100% at the end of the term. Or a RdPdUp option. Really shines at $1,000,000.00 face on younger clients. Underwriting is somewhat tight and they are a my way or the highway company.

Pru has been good for me on build and MJ.

While not term MoO's GUL has ROP options built in. Not a hard value added up sale.

This particular client wants 30 yr ROP for $50k.. still no luck.

 

[WinoBlues]

This particular client wants 30 yr ROP for $50k.. still no luck.

If uhl will not do it. He needs to reevaluate his want.

 

[WinoBlues]

This particular client wants 30 yr ROP for $50k.. still no luck.

30 year ago insulin diabetic needs to get realistic with his mortality. Depending on his insurance needs and budget he may want to look at blending some permanent and term.
IMohsoHO