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How is it even up for negotiation?
“Ms client I’m going to look around and find the very best option for you and present it to you”
Aetna takes it graded.. not immediate full benefit but is a true graded... 40% 1st 12 months, 75% months 13-24, 100% 24+... Much better than 2 yr. ROP and pays full commission if 60+. If age is under 60,no commission. In that case, I think SNL will take it on their Security Care Limited(true graded) plan. 25%/50%/75%/100%.I have a customer, good health other than cerebral paulsy. Customer adamant on level coverage, no wait.
I do not think it is available but thought I would throw it out there. Anyone?
They'd need one of these.How does a client even know what "level" is??