Best FE Companies That Allow...

[Focus LTC]

What are the best FE companies that allow a mailed application to the client with no F2F meeting.

Not interested in companies that have e-app or voice signature.

I'm curious of how many companies allow a paper app with a wet signature by mail without a F2F and without a POS interview. I only know of one but I'm sure there are others...

 

[jdeasy]

What are the best FE companies that allow a mailed application to the client with no F2F meeting.

Not interested in companies that have e-app or voice signature.

I'm curious of how many companies allow a paper app with a wet signature by mail without a F2F and without a POS interview. I only know of one but I'm sure there are others...

RNA and Americo come to mind right away. I haven't used Americo's procedure because I didn't even know they allowed it until the last month. I've done many with RNA. Almost all for Royal Prime/Essential Life.

On the SIWL they are going to the phone interview whether you see them in person or not. Since that is mandatory I prefer to do it when I'm with the client, but that is not required. I'm doing one now where the lady just did not want to meet. I sent her the application by mail and sent it back. I've sent it in and the phone interview hasn't been done yet. I am quite concerned about that phone being done without me present, but that's how it was with this case. Do it that way or don't get it written.

I've only done two other SIWL where I wasn't present for the interview. Both were issued so I may be making too much of it.

You cannot do Monumental or Foresters this way.

 

[Rearden]

UHL does I believe....

 

[rousemark]

If you are wanting to do the app, non F2F, why are you not interested in companies that do a voice signature?

 

[360]

What are the best FE companies that allow a mailed application to the client with no F2F meeting.

RNA
American Continental
Forethought
UHL
American Memorial
Vantis
Assurity
Baltimore Life
Equitable
Madison National
Mutual of Omaha
Liberty Bankers
Americo
Forethought Select
NGL

Most of the companies with a voice signature have an inferior product but some of the ones you can mail out are very competitive.

 

[Focus LTC]

If you are wanting to do the app, non F2F, why are you not interested in companies that do a voice signature?

I have found voice apps to be too cumbersome.

I'm taking med supp applications by phone and would like to offer FE without having to be on the phone another 5hrs with the prospect....

 

[rousemark]

I have found voice apps to be too cumbersome.

In what way?.. I am considering doing some so I am wondering what to expect..

 

[360]

I don't find them cumbersome at all other than Foresters is a little rough, for example at Forethought or American Memorial it adds a few minutes to the call. My issue is the products are not up to par.

If you had voice signature like American Memorial with carriers like Monumental, RNA or Americo you'd really have something.

 

[rousemark]

I don't find them cumbersome at all other than Foresters is a little rough, for example at Forethought or American Memorial it adds a few minutes to the call. My issue is the products are not up to par.

If you had voice signature like American Memorial with carriers like Monumental, RNA or Americo you'd really have something.

I was thinking of using Equitable L&C in some circumstances.

 

[JustinSane]

For whole life and GUL, I use Sagicor's e-app. For ages 18-65 it's simplified issue (up to $250,000 DB). There is a POS interview, but you don't have to physically be in front of the candidate. But then again, that's only for up to age 65.

Over that age, the same product does not require anything of the sort, as it is all done from home office and at the underwriter's discretion. In fact, for ages over 65, no paramed unless the underwriter specifically feels the need to order one.

Long story short, if the client is in good health (Standard or better), it's an excellent alternative to a fully underwritten whole life or GUL product, not to mention one that can be done by phone with an e-app.

And for those who push FE, a GUL gets much more bang for the buck (assuming they are in fair or better health). Maybe not something to use as your first option, but definitely a must have for all FE agents, as it sometimes helps make a deal that otherwise wouldn't happen.