Christian Fidelity Life Insurance Company

[Arookaria]

Can anyone tell me about "Christian Fidelity"? Seems like they have good rates. Would I need to have EO to get contracted with them? How is the underwriting in regards to their assurance final expense product? Would sleep apnea and cpap be a problem?

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[jdeasy]

Can anyone tell me about "Christian Fidelity"? Seems like they have good rates. Would I need to have EO to get contracted with them? How is the underwriting in regards to their assurance final expense product? Would sleep apnea and cpap be a problem?

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They are Oxford Life. I don't know if you have to contract separate or if you are automatically appointed if you are with Oxford.

As I understand it's almost the same product as Assurance but lower prices. The way they lowered the price is to lower agent commissions. The commissions will be less than half of what you get with Oxford and no renewals or very low, like 1%, renewals.

 

[Arookaria]

Thank you for the info JD! That's everything I need to know.

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They are Oxford Life. I don't know if you have to contract separate or if you are automatically appointed if you are with Oxford.

As I understand it's almost the same product as Assurance but lower prices. The way they lowered the price is to lower agent commissions. The commissions will be less than half of what you get with Oxford and no renewals or very low, like 1%, renewals.

Plus for this quote they were only $2 month cheaper than Lafayette life but Lafayette is A rated and CFI is b++

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[jdeasy]

Thank you for the info JD! That's everything I need to know.

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Plus for this quote they were only $2 month cheaper than Lafayette life but Lafayette is A rated and CFI is b++

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They are not much less than Layfayette but most likely easier to get approved than Layfayette.

I can't see that I will use either.

 

[Newby]

They are not much less than Layfayette but most likely easier to get approved than Layfayette.

I can't see that I will use either.

I've been doing well with Lafayette. No turn downs so far. Just don't put people on insulin with them.

 

[Arookaria]

I've been doing well with Lafayette. No turn downs so far. Just don't put people on insulin with them.

About how long does it take for a new agent to get appointed with Lafayette "as earned"?

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[Newby]

About how long does it take for a new agent to get appointed with Lafayette "as earned"?

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Five business days usually.