Best FE Company for ESRD

[Newby]

I have Vantis. They have good GI rates but I RARELY ever have to use them. You can get MOST people covered with the standard carriers.

It took Vantis around 5-months to approve my contract so get started today if you want it by 2013.

It's also my understanding that they do NOT want a lot of agents.

It would be nice to find another one like Cincinnati Equitable had before they changed. They blew MOO's rates out of the water. But as soon as I figured that out and started recruiting they got scared of all the new GI business and pulled it off the market. The GI companies really do need some healthy business to survive all the substandard.

 

[jdeasy]

Got it, thanks, Lee
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Sounds like worth a look. If I can keep the client's home in my book and make a couple dollars it is better for the client and better for me. I had been sending some to MoO also. But if it was the only case in the home, I lose the home. Hard on my business model.

I wonder if there is a required blend of Std v GI business?
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Why didn't you send it in?..............

Just didn't. The contract was pretty low, about 40%. The chargebacks were something 100% for a year and a half or more.

I just decided it was more work than reward. I gave the MoO number to a guy this week. I don't believe he is going to follow through. I have found that less than half of the people I refer to MoO actually get the policy.

No real reason to not do it other I just didn't want to.

 

[scotte]

Does Philadelphia life/New ERA have a GI product? Any one know anything about it?

 

[BenS]

My IMO is pushing Presidential as our GI option. Are their rates anywhere close to MoO?

 

[jdeasy]

My IMO is pushing Presidential as our GI option. Are their rates anywhere close to MoO?

Nope. About double the MoO rates.

 

[Rearden]

I used to be concerned about whether or not I should send someone to MoO if they're a definite ROP. Now I always attempt to sell them; reason is they've most likely been solicited weekly, maybe even daily, by ColonialPenn and MoO via the mail and TV. Plus, something is better than nothing; like JD said, these people are master procrastinators. I would hate for them to croak 25 months after I recommended them to MoO instead of getting them with Presidential, and they ended up doing nothing.

 

[torri]

Great info guys Thanks!! However,its a couple what would stop both of them from going with MoO?

 

[jdeasy]

Great info guys Thanks!! However,its a couple what would stop both of them from going with MoO?

Why would the one that can get immediate coverage go with MoO?

 

[Newby]

Great info guys Thanks!! However,its a couple what would stop both of them from going with MoO?

MOO should always be a LAST resort if they can't get anything else.

 

[torri]

Not to familiar with MoO SIWL (in bag but not used) but rate is not $3 and change more than RNA 67 Male NS only heart attack 5yrs ago. Why would I used them last?