Our 3rd appointment is the review of your Personalized Solution which will highlight the IBC/Bank On Yourself plan I have created for you. If everything looks good and you are ready to put the plan into action, we can proceed to the application.
Typical underwriting time can vary but is usually between 25-45 days before an approval is offered for acceptance and delivery. Once an underwriting decision has been made and assuming the contract is approved, then you and I will make any final changes needed to either modify the plan’s premium specifications or simply request the contract as approved.
The worst case scenario is I have to notify the prospective client of a decline by the insurance company. It’s important to note that a decline will not rule out the creation of an IBC/BOY plan. It simply means we have to find an insurable interest like a spouse, child, or sibling.
When you are ready to have our initial telephone introductory appointment (Step 1), please schedule our appointment by going to my online calendar at www.vcita.com/v/john.montoya.
I look forward to helping you get started.
Thank you,
John A. Montoya
JLM Wealth Strategies, Inc.
(925) 386-6639 Office
Bank On Yourself™ Authorized Advisor
IBC™ Authorized Practitioner