American Amicable

[jdeasy]

I disagree, Ive used UHL once (graded), went fine....would use them again. And for fem non smokers, their prem rates are close to RNA's....but Id never used them over RNA unless I had to.


AmAm sucks way more!

But you have experience with AmAm so you don't know that they are better than Farm Bureau.

No way are Farm Bureau's rates comparable to RNA in any like situation. If they could get Farm Bureau's deluxe, supder duper rate then they could get RNA's fully underwritten which blows Farm Bureau out of the water.

 

[Tearmann]

I was ONLY referring to using MoO for their GI!

I might be wrong but I think the GI product from MoO is only written in the home office and not available to field agents.

UHL has a GI (with some restrictions) the prices are okay. Americo does as well but the prices are very high. If you're luckly enough to get appointed with Vantis the prices are great and the app is one page.

 

[Newby]

I might be wrong but I think the GI product from MoO is only written in the home office and not available to field agents.

UHL has a GI (with some restrictions) the prices are okay. Americo does as well but the prices are very high. If you're luckly enough to get appointed with Vantis the prices are great and the app is one page.

There is no such thing as a GI with restrictions.

It's either GI or it's not GI.

 

[jdeasy]

There is no such thing as a GI with restrictions.

It's either GI or it's not GI.

Presidential has restrictions and UHL has restrictions. Neither are true GI. Both are terribly overpriced as well. A person would be well served to buy a preneed over either of those fake, overpriced GI plans from Presidential or UHL. Presidential is better priced than the crap from UHL.

MoO and Vantis are true GI and both are priced well. If you sell anything other than those two for GHI business you better hope the client doesn't find out about MoO or Vantis.

 

[rousemark]

YOu got that right. I do like their app. They just want take an occasional pot smoker.
- - - - - - - - - - - - - - - - - -

Equitable L&C only asks if they have been treated for drug abuse.

 

[WinoBlues]

We all decide who we write based on more than if they are a good fit for the client or not. Rating, Commissions, PHI, no PHI, long app, upline issues and so on. Also on our own prejudices. Such as they are anti union, bad prior experience or ripped off our military. I will write United Home Life but not American Amicable.

This my reason. American-Amicable Life Insurance Company of Texas; Pioneer American Insurance Company; and Pioneer Security Life Insurance Company: Lit. Rel. No. 19791 / August 3, 2006

Point is, there are a lot of companies to choose from. I have never seen the best one.

 

[Rearden]

57,000 people REALLY thought they'd become a millionaire?

Regardless, thanks for the link.


-Dave

We all decide who we write based on more than if they are a good fit for the client or not. Rating, Commissions, PHI, no PHI, long app, upline issues and so on. Also on our own prejudices. Such as they are anti union, bad prior experience or ripped off our military. I will write United Home Life but not American Amicable.

This my reason. American-Amicable Life Insurance Company of Texas; Pioneer American Insurance Company; and Pioneer Security Life Insurance Company: Lit. Rel. No. 19791 / August 3, 2006

Point is, there are a lot of companies to choose from. I have never seen the best one.

 

[WinoBlues]

57,000 people REALLY thought they'd become a millionaire?

Regardless, thanks for the link.


-Dave

You should have been around in the 90s when all the big UL companies had to do the perp walk. For churning old Whole Life policies into the new super policies (UL) That would pay 12%.

 

[Rearden]

Ya. I run across those bad boys blowin' up all the time.

Sucks especially for those 80+ year olds.

 

[TDFnCali]

We all decide who we write based on more than if they are a good fit for the client or not. Rating, Commissions, PHI, no PHI, long app, upline issues and so on. Also on our own prejudices. Such as they are anti union, bad prior experience or ripped off our military. I will write United Home Life but not American Amicable.

This my reason. American-Amicable Life Insurance Company of Texas; Pioneer American Insurance Company; and Pioneer Security Life Insurance Company: Lit. Rel. No. 19791 / August 3, 2006

Point is, there are a lot of companies to choose from. I have never seen the best one.

I got my ammo for JD now.....AmAm sucks waaaaaayyyy more then UHL!! LoL, Im dying to see what he says this time!!

Thanks Wino!