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Yeah, I read it on my comp schedule and called them on it. They said absolutely true and doesn't matter what upline or advance your on. I also believe this is for all products not just FE.
Crazy crazy crazy
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Agreed. Back in the day I only used 5 Star and Aetna. Neither had any crazy rules.
Then 5 Star took a total noise dive and Aetna cut comp on 45-59.
Now I am sick searching through 10 carriers to find the best fit.
Final expense is like searching around for a church; you'll always find some good factors with each church, BUT... there's something off-putting or something that just takes away, enough to be a deterrent for you.
In all seriousness, there really isn't a "core," super HOT carrier like there has been in the the past (5-Star, Royal Neighbors, Foresters), that takes almost everything and is super-easy to work with.
Security National is probably closest to it, which means we should enjoy its ease of use while we can.