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  • Term Life Advance or No Advance
    Hello, I was just wondering if there Term Life Insurance with Advancements at 120%. I got a call Today from someone but have not called them back. Just wanted to get some info first, I live in Texas and have been selling Final Expense with some success. Thank you your info is appreciated. Happy new Year....
  • Occidential Term Life Express
    I know they offer short term disability rider with this do they require income docs to be provided at the time of application or claims....
  • Your Favorite Term Life Carriers, and Why?
    Just curious - Which are your 3 favorite term carriers you recommend to clients? What are the top 3 reasons you write cases with those carriers? Last but not least, which term carriers have better term conversion options, besides the big mutuals? Thanks, Ray...
  • I Need a Term Life Quote Engine for my NAAIP Website
    I was using www.naaip.org site. The term life quote engine on that site died. Any suggestions?...
  • Multiple Term Life and Death Benefit Payouts
    So I remember back when I did my CA L&H class that there are circumstances where life insurers will coordinate the death benefit payout if someone has multiple individual term policies (something about not making beneficiaries rich). Does anyone know when that happens, what it's called, etc.?...
  • Need Help with Term Life Case
    Got a 42yr old male that takes meds for seizures looking for a term up to 100k. What's a good company to use that would possibly issue? Best company with the best rates? Don't write a lot of term policies so not sure who is the best right now. He's in IN and non smoker. Thanks....
  • T-25 Children's Term Life?
    Any one know of a term plan for kids. What I am looking for is something like a plan United Heritage had. Two amounts $10,000 and $20,000 to age 25 then convertible to 5 times face. It was some thing like $20 and $40 a year. I have several regular WL plans as well as MoO and Gerber for kids already....
  • Term Life Experts...
    Has a good term carrier that has all the riders or most of, 300 K or so DB, pays all the money on ROP rider (Assurity doesn't) and is easy underwriting? 44 year old male, 6 feet, 1 inch, 290 lbs. (maybe a little taller, maybe a little lighter) with obstructive sleep apnea (CPAP) Otherwise healthy. Anyone? Thanks!...