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The Top 7 Ways To Avoid Surprise Underwriting!
When taking a life insurance application, it is critical to ensure that there are no surprises with the rating class being quoted. At Shaw American Financial we are very adamant about ensuring that the correct carrier is used based on information obtained from you, the agent.
We have come up with The top 7 questions to ask your client that will help us identify potential problems while underwriting. Answers to these questions will allow you to frame up the best choice in a carrier giving your client the best plan for their hard earned dollar.
Questions (details are necessary for any 'Yes' answers):
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Have you been to the doctor or hospital in the past 5 years?
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Are you taking any medications?
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Have you had any parents or siblings with a history of cancer, heart issues, or any other deaths prior to age 65?
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Have you ever used tobacco or nicotine products?
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Have you had any motor vehicle tickets or fines in the last 5 years.
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Do you or do you plan to engage in any hazardous activities?
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Are you planning to or have you traveled outside the US? |
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West Coast Life Telelife
Why spend more time completing long, complicated applications, when you can use TeleLife!
West Coast Life makes it easier for you to write more business!
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| Dear Lee,
Shaw American wants to keep you informed on all the latest news and updates with the carriers that we represent. Don't forget that Shaw American still has the most markets and the best underwriting for your brokerage business. |
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ING Return Of Premium Term will offer 15,20 and 30 year level premium paying periods.
ROP Term carries the reassurance that your client's family will be protected, while at the same time the guarantee of full return of premium at the end of the level period.
Email Shaw American For A Quote Today!
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Banner Life & Genworth Life & Annuity Life Both Of These Top Name Company Continue To Hold A Place In The Term Markets Top 5.
Banner
Effective March 19, 2007, OPTerm rates are even lower for:
- OPTerm 15 and 20, face amounts $250,000 and above, males and females, all non-tobacco underwriting classes
- OPTerm 30, face amounts $250,000 and above, females, preferred plus and preferred underwriting classes
Genworth
Effective April 1, 2007
- Colony 15 and 20, face amounts of $250,000 and above.
- More competitive on male, no nicotine users, ages 50-70
Request A Quote Today!
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Prudential
Prudential's Smoker Rates are lighting up the competition!
Did you know???
Did you know just how competitive PruLife's Universal Protector is when it comes to clients who smoke? For those who qualify for the Smoker underwriting category, PruLife's Universal Protector premiums are the most competitive in the industry.
And remember, for your clients who smoke cigars and pipes, Prudential may be able to offer Non-Smoker Plus rates.
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| As of March 1 2007 Genworth Life & Annuity will not accept any applications or paperwork with First Colony on it. Please replace all forms in house with the New Genworth Life & Annuity or call our office at 800-626-5888 and we can provide you with the latest forms.
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New Campaign!
Shaw American would like to send you on the experience of a lifetime: a world-class trip across the Atlantic on the Queen Mary 2. You will sail out of New York, arriving in Southhampton, U.K., and then we will fly you back from London.
The magnificence and elegance of this breathtaking cruise will be a trip you will remember forever.
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