- 916
I have a 54 y/o prospect I just submitted for $500k in term life. He beat cancer 7 years ago and I submitted him at standard. He believes he should get a preferred rate because he's been healthy for the past 7 years and I pounded it into his head why no LI company will rate him better than standard....Anyways, he asked me about getting 3-4 small policies that don't require a paramed to be taken so he could get better rates.
Do these "no medical exam" LI policies have a stipulation about this? I'm assuming the MIB will alert the carriers?
Do these "no medical exam" LI policies have a stipulation about this? I'm assuming the MIB will alert the carriers?