5 Star Final Expense
- Thread starter davidp711
- Start date
- 19,663
Check with Newby or Brad Aden, {360 Financial}, or jacob.
Good company to have available. Terrible company to use as a "go to" company, imo.
- Thread starter
- #3
- 19,663
They have good non smoker rates. They do consider smokeless tobacco users as non tobacco. Their smoker rates are high.
They do take credit/debit cards and that's their niche now since so many people have the Direct Express card.
You can do a POS interview and get an answer on the spot or you can send the app in for underwriting.
They will also monthly bill if the person has a checking account.
Communications with them is very difficult. The website is pretty much unreadable. The may as well not have one.
Chaning bank info or beneficiaries is like geting a bill through congress. They are part of the AFBA and military people seem to really like that. They have a great customer brochure.
They are worth having in your toolbox.
- 3,247
Not sure what the cons are but the pros are...
POS interview is optional
Competitive pricing
Takes Direct Express/credit cards
I even recently found out that they MAY look at depression meds as Maintenance and not Treatment... so if you were diagnosed with Depression years ago, and are just taking the antidepressants for maintenance, you can answer NO to the question about depression...
I'm not 100% sure about this last one but it sure sounds interesting....
anyway,
The only con I have found with them is when I had a client that they wouldn't take as preferred but would offer as graded, they mailed a letter to the client and didn't even inform me/the agent... that wasn't nice!
POS interview is optional
Competitive pricing
Takes Direct Express/credit cards
I even recently found out that they MAY look at depression meds as Maintenance and not Treatment... so if you were diagnosed with Depression years ago, and are just taking the antidepressants for maintenance, you can answer NO to the question about depression...
I'm not 100% sure about this last one but it sure sounds interesting....
anyway,
The only con I have found with them is when I had a client that they wouldn't take as preferred but would offer as graded, they mailed a letter to the client and didn't even inform me/the agent... that wasn't nice!
- 26,158
- 19,663
You can say that again.
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I believe one should contact Newby, Brad or jacob.
Last edited:
- 19,663
I haven't found that all. They will take people that RNA, Americo or Monumental won't.
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