- 3,165
Maybe 3k with another carrier will be about the same price & u could get her more benefit!
Easy/hard?
- Thread starter newtothegames
- Start date
Maybe 3k with another carrier will be about the same price & u could get her more benefit!
SirAlexFerguson
Expert
- 77
D'oh! I have much to learn. Signed, Grasshopper
Not if she doesn't qualify anywhere else.
- 3,165
- 7,012
What script? Settlers, Americo and Mon are my only companies that go down to $2K. Settlers seems looser with their script UW.
She takes Digoxin...claims it is for off-label purpose. Obviously, no go with just about everybody.
I have Settlers. They only go to age 75 in MO with their bronze plan. Lady is 79.
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So, Am Com does not go down to 2K death benefit?
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- 7,012
Nope 3k. 79 NS F 3K $32.33
Ahh, perfect! only $2 more a month than Monu. had for 2k Standard
Now I just have to find a contract.
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Brad, Todd or Newby all have it I beleive.
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I like:
5-Star - Point of sale approvals OR skip the phone interview (agent's choice.)
Accepting all forms of payment, monthly bill, debit cards, credit cards, etc.
Liberal health questions and underwriting sticks to the apps questions. The no script check is bonus.
Smokeless tobacco is non-smoker rates
Monumental- Lots of good underwriting niches and most are where 5-Star falls short. Ages 0-49, over weight people, COPD, serious mental health issues, etc.
Settlers- Lots of payment options (Single pay, 10-pay, 20-pay, etc.) Good riders (best accidental rider in the business.) Funeral Trust and Estate Planning Trust, Best company in the business if you have a death claim in the 1st 24-months. One of the best agent websites in the business. Great rates on small policies under $5,000. Excellent near GI product.
ForeThought- Best free extra benefits in the industry. Great rates. Fastest payout of death claim on non-contested policies in the business. Most recognizable name to funeral homes in the industry. Best brochures and client materials in the biz. Good for phone sales.
RNA- Good for certain health niches. Great rates on the fully underwritten WL
Americo- Great smoker rates.
American Memorial- Occasionally use for certain health underwriting niches. Best renewals in the entire industry. Great rates on ages 81-85. Good for phone sales.
Aetna/Am Cont- Easy to work with. Recognizable name. Great for cross-selling with Med Sup. Great agent packets for all their products.
Gerber- Good for GI. Recognizable name. Acceptable commissions for a GI product.
I only pointed out the strengths with each company. They all have weak areas too. These are the companies I have used for years so they are the same ones I contract agents for. I'm sure there are some other good companies out there too. Lot's of great choices with FE.
5-Star - Point of sale approvals OR skip the phone interview (agent's choice.)
Accepting all forms of payment, monthly bill, debit cards, credit cards, etc.
Liberal health questions and underwriting sticks to the apps questions. The no script check is bonus.
Smokeless tobacco is non-smoker rates
Monumental- Lots of good underwriting niches and most are where 5-Star falls short. Ages 0-49, over weight people, COPD, serious mental health issues, etc.
Settlers- Lots of payment options (Single pay, 10-pay, 20-pay, etc.) Good riders (best accidental rider in the business.) Funeral Trust and Estate Planning Trust, Best company in the business if you have a death claim in the 1st 24-months. One of the best agent websites in the business. Great rates on small policies under $5,000. Excellent near GI product.
ForeThought- Best free extra benefits in the industry. Great rates. Fastest payout of death claim on non-contested policies in the business. Most recognizable name to funeral homes in the industry. Best brochures and client materials in the biz. Good for phone sales.
RNA- Good for certain health niches. Great rates on the fully underwritten WL
Americo- Great smoker rates.
American Memorial- Occasionally use for certain health underwriting niches. Best renewals in the entire industry. Great rates on ages 81-85. Good for phone sales.
Aetna/Am Cont- Easy to work with. Recognizable name. Great for cross-selling with Med Sup. Great agent packets for all their products.
Gerber- Good for GI. Recognizable name. Acceptable commissions for a GI product.
I only pointed out the strengths with each company. They all have weak areas too. These are the companies I have used for years so they are the same ones I contract agents for. I'm sure there are some other good companies out there too. Lot's of great choices with FE.
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