The tele process for Senior Life is a pain and I like getting an immediate answer. When I get an answer on the phone I am able to pivot if need be and roll to another carrier.
Here's the break down. We also have a true comparison chart on most of these. Health...ages 76-80...81-85 and so much more.
There is no one carrier for telesales. Depends on health and age.
But Equitable is one of the best. No app.
American Memorial...short phone interview and they only ask health questions. No bank or med stuff. You DO need to fill in the app and send it to carrier but it's easy and recommend doing it after the sale. Nice bonus with them....fill out the Dignity Planning 1 page enrollment form and they pay you a 4% bonus of the AP. (Please...no comments about Dignity and they stealing your business. It's old news and not them.)
Liberty Bankers: pay full on direct express Need to fill out an app though
Foresters is ok but phone interview is still sooooo long.
Baltimore Life...no app. But you have to be approved for telesales with them.
NGL....1-2 min automated phone interview. Now this is GI but the rates are great. Must be approved to do telesales with them though.
Standard Life...we won't wrote with them. They have some weird underwriting and pay terms. Nothing great about them.
Madison National: had them but never did much with them. Nothing that really sizzles with them.
There are a few others but this list is a good start.
