Easy Pick Offs

[smokin goose]

I don't see any difference with most. You have good and bad with both, good and poor ratings with both, high rates or low rates with both.......

some of the best Life Insurance companies are Fraternals for service and price...

to name a few:

RNA
KSKJ Life
Gleaners
Knights of Columbus
Lutheran Brotherhood (Thrivent)
Modern Woodman of America
and yes, some say Foresters

Not all are in the FE market....they are traditional underwritten Life Companies. You are seeing RNA and Foresters move back to that after experimenting with FE Products.

I have heard people over the years talk about having Modern Woodman. How much do you know about them. What do they sell and how are their rates?

 

[TwiLight]

I have heard people over the years talk about having Modern Woodman. How much do you know about them. What do they sell and how are their rates?

I don't run into them much at all. They are not big in Michigan. More in OH, IL and IN.

Typical Fraternal with full underwriting. Very good in Med Supp and par WL. No FE product that I am aware of.

 

[Rearden]

You run across The Wood down here in Northwest Georgia and Northeast Alabama occasionally.

 

[Biggin]

I don't run into them much at all. They are not big in Michigan. More in OH, IL and IN.

Typical Fraternal with full underwriting. Very good in Med Supp and par WL. No FE product that I am aware of.

I run into MW in Michigan for annuities and only in one county. I've never run across a MW life insurance policy. Annuities that I see from them are 4% guaranteed for life. Perty good.

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Today I replaced a Bankers Life, a Lincoln Heritage and a CUNA.

Like hunting a baited a field.

Like shooting a goat tied to a tree. Dang son, you need to pick up a lottery ticket on the way home.........