FE Carriers with E-apps
- Thread starter sshafran
- Start date
- 330
what about the two-year contestable.You are looking at it the wrong way. Sell them the FE plan that gets approved before you leave the house, Bam they are covered. If they pass shortly the beneficary will thank you. If they need more you can try to do the traditional underwriting etc. By doing it this way they have some immediate coverage which is what the Fe plans are designed to do.
The 2 year contestability applies to all insurance policies whether Term , UL , Whole Life or SIWL.
But if not mistaken you have been an agent for 38 years and you asking this question.
- Thread starter
- #24
Thanks for all of the replies. Here is a "compiled" list so far... both from the forum and looking around elsewhere.
RNA
Equitable
AmCon (Aetna)
ARLIC (Cigna)
OAIC
Foresters
Americo
Liberty Bankers Life
Sentinel Security Life
New Era (Phil American)
Any others?
RNA
Equitable
AmCon (Aetna)
ARLIC (Cigna)
OAIC
Foresters
Americo
Liberty Bankers Life
Sentinel Security Life
New Era (Phil American)
Any others?
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- 24,978
You are looking at it the wrong way. Sell them the FE plan that gets approved before you leave the house, Bam they are covered.
If they pass shortly the beneficary will thank you. If they need more you can try to do the traditional underwriting etc.
By doing it this way they have some immediate coverage which is what the Fe plans are designed to do.
TIA.(temporary insurance agreement) SIWL is just what it is. A simple issue policy with approximately 100% markup /T4 built in. For someone that is say t2 and up may not be to far out of line. A 60 year old female 5'2" 160#s on HBP and cholesterol meds? Maybe, maybe not.
A LH agent may say the same thing, get them insured today. We all justify what we have to offer.
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- 3,764
Might want to double check this. Americo only allows face to face sales for FE now
- 2,632
100% worthless so it really doesn't count.
- 3,764
can you still do that electronicallly??? Some num nuts at Americo told me 2 mknths ago all FE had to be face to face
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