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While you're there you can always have them get the policy to make sure there's no clean sheeting or other funny business going on. & if it's all legit you might of earned a couple referrals for lookin out!
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In FL Transamerica is very competitive. I sell them every week. Not going to replace a company I use. I only have a cell so I am not sure what shows up on their caller id. I transferred my landline number to my cell.
Let's use age 65MNT $10,000 for example. LifeShield is the lowest at $47.35. Transamerica is $56.50. $9.15 difference. I am not going to replace an A+ Superior company with a B rated carrier like LifeShield or Standard Life. The other agent could easily come back and save the case. The larger companies are within $3 a month in premium and I don't think the lead would change for that. I can't trash talk another agent because I don't know him. Now LH is a different story.
No responses to a carrier who will accept a liver transplant so I guess there is none.
Are you seriously arguing against replacement because of company rating??
Haven't you said multiple times you would not write under an A rating? I know you changed, however, how is he wrong to have his own standard. Per his post he is comparing an A+ large company v B small company with a $3. difference in premium.
Many ways to do what we do. Sounds like he has his standards.
IMohsoHO
I will not replace a Transamerica policy with a LifeShield. If an agent did that to me I think I could save the case