FE Replacements

[Baseball7]

Philly is a huge hub for captive agents
LH, SL, AIL

direct to consumer
CP, aarp

Add
using rpu, cash back, single pay

If I need to beat a rate I'll pull my ace in the whole out with FBL, but I go in assuming they have insurance I can improve on and hence find alot of that.

 

[DayTimer]

I run into a lot of AIL up in Allentown. If its less than 12 years old I can usually beat it with RNA lol

 

[DonP]

Rna's rates 65 and under are atrocious. I love their eapp but morally i just can't sell it to "younger" seniors . FB is 30% cheaper at some ages.Ex. Male age 57 $20k . FB $69.18,American Amicable $82.80(also expensive at younger ages) and Rna $93.01. $25k with Fb is only $85.83. Rna must have had adverse claims on younger people

 

[Baseball7]

Ok? And your also assuming a lot.

 

[DonP]

Well i assumed for yrs Trans was getting killed with aggressive underwriting and wham they changed it all up .Wouldn't surprise me if KSKJ changes things up. Just like SNL got buried with ROP claims on their product. There was no risk to the agent with no chargebacks .

 

[Baseball7]

KSKJ and FBL have far better oversight, lower comp and less liabilities in its distribution. They'll stay liberal and low rate far longer then Transamerica.

10/10 agents had and abused trans
4/10 agents have FBL
2/10 agents have and frequently use kskj