Equitable Life & Casulaty

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.
 
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.

SNL is not insulin friendly, they cut commissions at age 70, they don't issue a policy until 3 days after the first payment and they only pay their as earned twice a month.

Other than that they are fine.:yes:
 
SNL is not insulin friendly, they cut commissions at age 70, they don't issue a policy until 3 days after the first payment and they only pay their as earned twice a month.

Other than that they are fine.:yes:

Yeah I find it hard to place then first in my bag. That creates a huge issue when writing someone 69 or younger. I am like why when I know I have sent a similar case to Trans and they approved
 
SNL is not insulin friendly, they cut commissions at age 70, they don't issue a policy until 3 days after the first payment and they only pay their as earned twice a month.

Other than that they are fine.:yes:

They do cut at 70, but when you add the 10% lead credit back in you're still making what you would with most carriers.
 
They do cut at 70, but when you add the 10% lead credit back in you're still making what you would with most carriers.

Not exactly.
I like them a lot. I world wrote more if they leveled out the comp and maintained the bonus. Even undersigned that leveling may mean less for some ages
 
They do cut at 70, but when you add the 10% lead credit back in you're still making what you would with most carriers.

Lol, you just need a commission bump. Several carriers are higher than SNL with the lead bump.

It's a trans hate-fest in the forum lately, but they are pretty smooth...if you know the app and they don't cut your comp.

Yeah the insulin thing sucks JD, but I'm comparing apples to apples with SNL. ;)
 
SNL is not insulin friendly, they cut commissions at age 70, they don't issue a policy until 3 days after the first payment and they only pay their as earned twice a month.

Other than that they are fine.:yes:

Yea, I never liked that. You will get many insureds calling you and asking where in the blazes is there policy.
 
SNL is not insulin friendly, they cut commissions at age 70, they don't issue a policy until 3 days after the first payment and they only pay their as earned twice a month.

Other than that they are fine.:yes:

I said they were the "closest" to being "hawt" - they are definitely not the Cat's Meow, entirely.
 
Lol, you just need a commission bump. Several carriers are higher than SNL with the lead bump.

It's a trans hate-fest in the forum lately, but they are pretty smooth...if you know the app and they don't cut your comp.

Yeah the insulin thing sucks JD, but I'm comparing apples to apples with SNL. ;)

10% is 10% though. I mean, if you're above street with some and not others or higher above street with some carriers than others then that obviously changes the conversation. At street level there are carriers that still pay higher but there are also plenty who don't, particularly since some of those higher FYC carriers pay lower renewals.
 
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They do cut at 70, but when you add the 10% lead credit back in you're still making what you would with most carriers.


Companies are definitely figuring out that lead credits are attention getters for the agents. And they are throwing money in that direction which if we can't have that perfect product, more money to sell what they have is appreciated.

Settlers put out their 10% + lead credit for only $3,300 AP this year with no commission reduction at any age. SNL has their sweet 10% credit with monthly roll over which is nice. Trinity has a 5% credit at $5,000 monthly. And there is a carrier that is going to have a lead credit incentive for July, Aug and September to test if that is the way to agents hearts. 10% lead credit for $3,000 in production. 20% lead credit for $5,000 in production.

This is the free market system at work. The carriers are all interested in trying to figure out how to become the favorite company of the agents and lead credits seem to be the most effective way to buy the agents attention in 2015. Well 100% approvals and perfect agent service would be the most attractive way but we ain't getting that.
 
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