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So he's also full-time with Las Vegas Metro PD and Marine Reserves. He has been deployed to Iraq a couple of times and has 3 years remaining on his reserve commitment. He's in great physical condition (well within height/weight charts)
Spouse (31 F N/T) also in great physical condition.
Both want at least $500k FU Term.
I'm not a big term guy so this is unknown territory for me. Normally I'd quote them both the lowest rate, but I don't have a clue how Miltary Reserve, and Full-time Cop will affect UW.
Also...I'm looking for a full-service back office IMO specializing in Term/UL to handle all of the tedious stuff like scheduling paramed, following up on app submission requirements, etc (similar to Pinney...but NOT Pinney) . Only thing I want to do is quote a rate, submit the app electronically, and have someone else take the ball and run with it...then 3 weeks later I get an UW decision from a carrier. Oh, and I also want a decent contract (95%+...depending on the carrier of course).
I need to do the app TODAY!!!! Any suggestions?
Spouse (31 F N/T) also in great physical condition.
Both want at least $500k FU Term.
I'm not a big term guy so this is unknown territory for me. Normally I'd quote them both the lowest rate, but I don't have a clue how Miltary Reserve, and Full-time Cop will affect UW.
Also...I'm looking for a full-service back office IMO specializing in Term/UL to handle all of the tedious stuff like scheduling paramed, following up on app submission requirements, etc (similar to Pinney...but NOT Pinney) . Only thing I want to do is quote a rate, submit the app electronically, and have someone else take the ball and run with it...then 3 weeks later I get an UW decision from a carrier. Oh, and I also want a decent contract (95%+...depending on the carrier of course).
I need to do the app TODAY!!!! Any suggestions?