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You have some examples of those great fu rates?
Captive, single state carrier that only the mult-line agents sell. Solid rates, I am sure there are some better, but A rated carrier & gets discount toward home insurance, etc. Ages 0-85 $25k minimum face, no max face amount
but here would be some samples $25k Standard non-tobacco. higher face & preferred & super-preferred rates bring down premiums additionally. Optional rider to add PUAR values makes the growth & cash value extremely solid as the PUAR has little to no load charge & decent dividend rates
Male Female
35 37 33
45 48 44
55 65 57
65 98 88
75 156 141
quality product, especially in multi-line space. most of what our agents sell our juvenile or existing term policy conversions to it along with some age 35-85 policies being underwritten. bulk of our agents 12,000 policies per year are term (75%). Juvenile WL likely another 7-10%, term conversions to WL 7-10%, SPWL of $15M of premium a year, but only 2-3% of the total policy count, leaving only 3-8% of total policy count of fully underwritten premium paying WL age 20-85. Final Expense agents do a much better job at insuring the senior market in my opinion, even if some of it is not as good of products that the client may have gotten with fully underwritten