Case Study Case Manager-Marie Causey 
A male age 42 recently applied for a $600,000 Term policy with West Coast Life. The broker applied for Super Preferred Non Tobacco. However what the broker and client failed to realize is that with most insurance companies smokeless tobacco use will automatically put you in a Smoker category. Thus the best offer the client would be able to get with West Coast Life would be a Standard Smoker rate. When we reviewed the application and noticed the smokeless tobacco usage we advised the broker that the best course of action would be to send in an application to Prudential Life Insurance Company. Prudential allows smokeless tobacco users a Non Smoker Plus rate. With this information we are saving the client over $1000 a year and obtaining a Non Smoker rate.
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West Coast Life Announces New Senior Underwriting Program
This program is for the insureds over age 70! The program will allows West Coast Life to GREATLY improve the opportunity for proposed insureds over age 70 to obtain both Super Preferred and Preferred risk classifications. The Senior Underwriting Program recognizes the fact that at ages over 70, barring other risk factors, it is okay to have a more robust build and to have higher cholesterol levels if other health problems do not already exist. During the last 6 months West Coast Life has been performing a few additional blood tests for this age group and now will ask that each proposed insured over age 70 complete a cognitive exercise and answer questions on an Activities Questionnaire. These tools were selected because they are easy, quick, and will give West Coast Life a better classification in some cases.
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 AIG Decreases Rates on Select-A-TermThe AIG Select-A-Term series features level-death-benefit plans with fully guaranteed level premiums for 10, 12, or 15,16,17,18.....27,28, 29 and 30 with coverage to expire at age 95.
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Learn The Secrets to John Hancock's Strengths in Older Age Undewriting.
The competitiveness of the new Performance UL is even further enhanced at older ages by the industry-leading underwriting we have in this marketplace.See attached document to view the latest Underwriting Extra, focusing on our strengths in underwriting older ages - right up to age 90.
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$500 Bonus for 5 Life Applications With AIG Life.
What's The 5 for $500 Bonus?
Place in force 5 "off period" AIG Select-A-Term cases between December 10, 2007 and June 18, 2008 and AIG will send you $500
What's An Off period?
It's a term period other than 10, 15, 20, 25, or 30 years. Now you can select the term period that best meets your clients' needs instead of offering only what the company offers.
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Watch For An Email For Details on Jon Shaw's Exciting New Campaign! |
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Your 2008 production will be rewarded with great prizes that you and your family will treasure and enjoy.
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