Straight Term with no living benefits

[Marcos]

Client has a 480k mortgage and I quoted Phoenix 400k coverage for 253 dollars a month.

He then said he wants to save money on the coverage so he suggested dual policy. One with living benefits and one without. 200k each.

Do we have access to write term with no benefits so that the monthly is less?

Thanks

[Jean2205]

How old is the client? I would look into GPM Alliance UL. $200 000 UL and then you add a additional term rider for another $200 000. Your price might come out lower, but you will have to play around with the calculator a bit and if your clients age is nor right the coverage might push him into a fully underwritten application

[PSI Groups]

Marcos,

Can you tell us the client's age and whether a smoker?

[Marcos]

59, non smoker

[Jerrod Ewing]

Marcos , the living benefits is not going to add much to the cost I would run him quotes with GPM and Phoenix. If you have additional question buzz your manager directly or feel free to call me 719-287-0963