Final Expense Companies With Best Commissions???

[Baseball7]

Americo Eagle 13 months post Heart Attack, level coverage.

Others? Granded or ROP.

 

[JimmyUt]

Americo Eagle 13 months post Heart Attack, level coverage.

Others? Granded or ROP.

Now that's solid. I went into their portal today but could not find a knockout drug list. Do they still have one for eagle or UP?

 

[Baseball7]

Level coverage in many cases for folks with hepatitis, 50-85, 81-85(nt). ADR built in(in most states). Insulin/Asthma ok, Insulin, no onset or unit questions.

 

[NuUzr]

As an independent, you'd be hard pressed to find that as well as stay in business. You are much better off focusing on a niche of insurance and perfecting that. You can easily do FE part-time if not eventually replacing your CNA income. Many of my agents make $2k+ per week working 3-4 days in the field. In my mind, those are part-time hours with full-time pay.

Many agents making 2K per week on a PT basis - impressive.

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Absolutely some very solid cross-selling opportunities while working your FE leads and grabbing some Medicare clients along the way. Can't beat it!

As Todd pointed out, the carriers for that are state and county specific. But any IMO worth its salt will have access to most of the Medicare carriers so you have the opportunity to cross-sell.

Is it easier cross selling MS to FE or vise versa?

 

[Cybrspidey]

Many agents making 2K per week on a PT basis - impressive.

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Is it easier cross selling MS to FE or vise versa?

I would say Selling FE as your base. The biggest thing you need to manage when running leads is cash flow. Unless you have quite a bit of money in the bank, most agents couldn't afford to wait a month to get paid on business (most Medicare plans take about 30 days to pay). Another fact is, due to seeing my FE clients, I don't need Medicare leads. I'm already seeing my target. With Med Supps, that's another story. Depending on income filters of your leads, you may need Med Supp leads as that target is typically seniors with a bit more cash.

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Now that's solid. I went into their portal today but could not find a knockout drug list. Do they still have one for eagle or UP?

It's absolutely solid. And yes, they have a prescription guide for both UP and for Eagle. PM me if you'd like a copy. I'll gladly email them over for ya.

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Same things goes with Bypass surgery... post 12 months, Americo Eagle immediate level coverage. Also, with Americo period, if you have someone who chews tobacco, snuf, e-cigs or marijuana, all day long goes as non-tobacco.

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AFIB or irregular heartbeat, again, Eagle Level; Stents post 12 months, level; schizophrenia, level... the list goes on and on.

 

[Baseball7]

Instsnt decision, no room for error, quick pay and turn over from policy written to policy delivered. There is some psychological power in getting some of the policy that they wanted it under seven business days if you ask me.

No carrier is perfect but this one does have its use. Oh, and try spending a day doing everything paperless and coming home with NOTHING to send in/follow up on/refax its awesome.

 

[Newby]

I would say Selling FE as your base. The biggest thing you need to manage when running leads is cash flow. Unless you have quite a bit of money in the bank, most agents couldn't afford to wait a month to get paid on business (most Medicare plans take about 30 days to pay). Another fact is, due to seeing my FE clients, I don't need Medicare leads. I'm already seeing my target. With Med Supps, that's another story. Depending on income filters of your leads, you may need Med Supp leads as that target is typically seniors with a bit more cash.

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It's absolutely solid. And yes, they have a prescription guide for both UP and for Eagle. PM me if you'd like a copy. I'll gladly email them over for ya.

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Same things goes with Bypass surgery... post 12 months, Americo Eagle immediate level coverage. Also, with Americo period, if you have someone who chews tobacco, snuf, e-cigs or marijuana, all day long goes as non-tobacco.

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AFIB or irregular heartbeat, again, Eagle Level; Stents post 12 months, level; schizophrenia, level... the list goes on and on.

Did Americo start taking e-cigs as non Tobacco? I knew Equitable does which is just about like Americo but Americo always counted e-cigs as smoker rates in the past.

 

[FinalExpenseDojo.com]

Americo Eagle isn't the best for every situation but it does have its place in the market.

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Did Americo start taking e-cigs as non Tobacco? I knew Equitable does which is just about like Americo but Americo always counted e-cigs as smoker rates in the past.

We asked the Americo Rep at one of our blitzes Ben had recently & he said E-Sigs are tobacco.

 

[ExProgrammer]

Americo Eagle isn't the best for every situation but it does have its place in the market.

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We asked the Americo Rep at one of our blitzes Ben had recently & he said E-Sigs are tobacco.

You can only do an electronic signature (E-Sig) for smokers?

 

[billyb]

I asked an underwriter with Americo about vape this week and she said it was considered smoker.