Best Go to Carrier

[indiana260]

Just started using Trans a lot more recently! What are you finding to be their Niches with medications and conditions?

I use the RX look up tool. They take most of the med that 5 star doesn't as long as the event was over 2 years ago.
I write the health concerns in the medical supp section. Like copd, no oxygen only nebulizer.
The downfalls are insulin use and pacemaker are standard instead of preferred

 

[rousemark]

Thanks for the shout out. CJD and I have spoken numerous times, I just think he is looking for other opinions. As for the four decades of success, I am barely 4 decades old, but I appreciate the idea I have the wisdom of an old man.

As for carriers, I like SNL Americo, Trans and United Heritage. No phone interviews with any and they all have some good niches. No such thing as I go to company anymore. Btw, I love RNA but won't do the electronic app.

Young 'un

 

[Agentguy5]

I use the RX look up tool. They take most of the med that 5 star doesn't as long as the event was over 2 years ago.
I write the health concerns in the medical supp section. Like copd, no oxygen only nebulizer.
The downfalls are insulin use and pacemaker are standard instead of preferred

Yep, that's what i'm talkin about! Yeah, I am going to start sending them more clients with heart issues since it looks like they will take them standard and even some as preferred.

 

[indiana260]

Yep, that's what i'm talkin about! Yeah, I am going to start sending them more clients with heart issues since it looks like they will take them standard and even some as preferred.

Do you have the RX look up in your phone?

They also have the quote tool.
So you can say, well Mr Doug, most of my clients prefer to have an even amount come out. So we can change your 56.01 to 60 Even and you will get an extra 453 in coverage.
Oh yeah that's fine.
That's an extra 50 in your pocket every time.
I am sure you used this with 5 star

 

[JimmyUt]

What are the Niches of United Heritage? I see them on the quote web site that everyone uses but have never messed with them.

Wheelchair use, epilepsy, pending surgeries (not heart related)Rearden can fill you in later.

 

[Agentguy5]

Do you have the RX look up in your phone?

They also have the quote tool.
So you can say, well Mr Doug, most of my clients prefer to have an even amount come out. So we can change your 56.01 to 60 Even and you will get an extra 453 in coverage.
Oh yeah that's fine.
That's an extra 50 in your pocket every time.
I am sure you used this with 5 star

I never bring a cel in the home with me.

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Wheelchair use, epilepsy, pending surgeries (not heart related)Rearden can fill you in later.

Yeah, i'm starting to think that they are not even in Florida even though the quote tool says they are.

 

[cjd]

That's the million dollar question! I know that the IMO that my wife and I are with 360 Financial Group is the ONLY IMO that has a deal with SNL so you can use your lead credit to purchase the DM leads that we use that say "life Insurance" on them.

I hate using carriers that require a POS interview for a variety of reasons and am in the same boat you are in trying to figure out a GO-TO carrier. Looks like my business will be split up to several carriers but I have to say, SNL has been very good for me and YES, I like Trans too.

I have been following this forum for awhile. I called 360 this past Friday and left a message and also left a message on Monday. I have not heard from anyone. I live about 10 minutes from SNL. They are a good company.

----------

Thanks for the shout out. CJD and I have spoken numerous times, I just think he is looking for other opinions. As for the four decades of success, I am barely 4 decades old, but I appreciate the idea I have the wisdom of an old man.

As for carriers, I like SNL Americo, Trans and United Heritage. No phone interviews with any and they all have some good niches. No such thing as I go to company anymore. Btw, I love RNA but won't do the electronic app.

Thanks Jimmy. I may start with SNL, Trans and Gerber. Just need to find an IMO that's a good fit for me.

 

[jdeasy]

I have decided to go full time with final expense sales. I was a mortgage broker for 20 years and did well but those days are gone. I did sell a couple of years ago with SNL using their in house marketing but after 6 months stopped because they could only mail a couple thousand cards a month. I looked at other sales jobs but finally decided this is where I need to be. I am looking at IMOs now and am not currently contracted with anyone. I will contract with Gerber but what is a good go to insurer to work with? I think Id rather not have one with a phone interview. Thinking maybe Trans.
Any thoughts would be appreciated. I live in Salt lake City.

When you find that unicorn let me know.

 

[Newby]

I have been following this forum for awhile. I called 360 this past Friday and left a message and also left a message on Monday. I have not heard from anyone. I live about 10 minutes from SNL. They are a good company. ---------- Thanks Jimmy. I may start with SNL, Trans and Gerber. Just need to find an IMO that's a good fit for me.

Did you call Ben Boman?

 

[bboman23]

Did you call Ben Boman?

I don't think he has called me. I either answer or call everyone back unless no voice mail.