I always mark on the app if it asks if they are considering replacing but are there rules to when the actual form has to be submitted?
A lot of the time the person is not 100% sure on how much or the exact type of insurance they are going to choose especially if they have some health conditions. We are simply underwriting a death benefit Amount and putting a plan together once I have a rating (this is on fully underwritten over 100k). One of my carriers is on me about submitting the replacement form when I submit the app but often this won't be accurate because they may change plans based
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A lot of the time the person is not 100% sure on how much or the exact type of insurance they are going to choose especially if they have some health conditions. We are simply underwriting a death benefit Amount and putting a plan together once I have a rating (this is on fully underwritten over 100k). One of my carriers is on me about submitting the replacement form when I submit the app but often this won't be accurate because they may change plans based
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