AM AM as a Go To???

[myinsurebiz]

I love am am . Great service and they take agent changes on the phone.An agent can even change an account on the phone as long as the same bank. As someone said E-App is great. What I really love is their web site . You can scan your whole book of business in seconds and see all the pay to dates , I don't use for ages 50-60 as rates 15-20% above Trinity .They take more underwriting niches than snl and comp 10-20% higher than snl plus better renewals depending on your contract.They don't take insulin and neuropathy.

This is where RNA is a solution.

 

[Rob Lion]

This is where RNA is a solution.

Trinity/FBL is my go to for this .

 

[BibH]

100% agree with both the above statements and I use both for neuropathy and insulin . I was just making a statement that am am has some hole's in what they take . Matter of fact FBLand RNA have much better underwriting . In many situations RNA's rates at 65 and under very uncompetitive and with FBL a phone interview is cumbersome . That's why were independent agents with a large selection of CO's for every situation . But one situation that there's terrible selection is direct express cards . FBL only takes 20% of your business with direct express and their very strict on that rule . Direct express has been my best business over the yrs with good ss billing .Thats were you can write graded or rop prosperity even though terrible rates and not worry about being replaced as so few CO's take .