Monumental Life Earnings

Yes you can write that in the agents comments section but it really does not make a difference. You still have to send the app in at standard rates. If they do not qualify for standard the company will send you an amendment to the application that must be hand signed by the client before the coverage will be issued. I have been captive in the past with monumental and sold a lot of these policies.
 
Something else about this policy amendment: In order to qualify for the graded benefit, the applicant MUST be cancer free for a period of 5 years and HIV negative. It is not really a guaranteed issue policy.
 
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