FE Companies for OVER THE PHONE Sales ?

[Mark]

Their prices are really high. So is their high commissions the niche?

 

[Todd King]

That and underwriting is pretty decent on things like stents, etc.

 

[Newby]

They are good for recent heart stents and recent cancer. They also do NOT count maintence medicines as treatment for previous heart problems or other health issues which is fairly rare. They have great rates for ages 81-85 but they reduce commissions at those ages also. Renewals are the same for all ages but lifetime renewals at age 81+ is not as exciting as age 40.


I wish they would bring a preferred health version out with tighter health and competitive rates. They come from the pre-need industry so this product is to compliment their Guaranteed issue preneed insurance plans that funeral homes sell more than compare to what other final expense companies are doing (I assume.)

 

[MrProducer]

What do you mean IF I have Am Memorial? Do you think I get my jollys saying I'm appointed with companies that I'm not?

I'm not going to post the commission schedule because it's for agent use only plus you need to get it from your upline.

If you have American Memorial and you have no debt to them and do not cost your upline any money with leads or other stuff, you should have no problem getting a good contract level with them.

You can either prove me wrong or prove me right. It doesn't really matter to me.

"Agent use only"......nice cop out. Figured you were blowing smoke. Prove me wrong.

 

[Newby]

"Agent use only"......nice cop out. Figured you were blowing smoke. Prove me wrong.

You're right. I fold. I'm not even appointed with them.