Appointments W/Life Co.s and Poor Credit

[GAHEALTH]

Okay - who are good life companies to get appointed with if you have less than stellar credit?

 

[Mark]

The question is really who will advance you right?

The answer is it really depends on if you have a vector or own an insurance company money.

 

[pdoyle]

give genworth a try... We have been able to appointed some agents with them that others have rejected.

 

[GAHEALTH]

give genworth a try... We have been able to appointed some agents with them that others have rejected.

I am looking to offer:

Annuities (FIA/EIA)
Perm and temp Life
CI/DI/LTC

 

[Josh]

The question is really who will advance you right?

The answer is it really depends on if you have a vector or own an insurance company money.

No vector hit and no commission advance usually means no problem. Have you already had problems with a carrier or were you looking for an advance?

 

[GAHEALTH]

No vector hit and no commission advance usually means no problem. Have you already had problems with a carrier or were you looking for an advance?

No vector, but with advance.

 

[irish1098]

No vector, but with advance.

You'll be fine with most. Americo is tough, Midland is tough and Standard I think will be tough.

 

[HarryRenard]

Okay - who are good life companies to get appointed with if you have less than stellar credit?

I think a lot of it has to do with the fmo/imo's you go with, and the risk they tolerate. From their the right one(s) could probably get you a decent selection.

I also think the story behind the credit issues come in to play and a good letter can help. Some companies will have strict rules, but some will have plenty of wiggle room.

I think its easier for strings to be pulled for credit reasons vs criminal.