Final expense contracts

[Insuranceman]

I'm looking for the following FE contracts.

1) No rate up for tobacco use
2) direct monthly bill
3) guaranteed issue
4) Low face univeral plans
5) face amounts under $ 5,000
6) great rates

Please include a contact name and phone # if you know
of anyone that carries any of these features.

 

[theinuranceguy]

I'm looking for the following FE contracts.

1) No rate up for tobacco use
2) direct monthly bill
3) guaranteed issue
4) Low face univeral plans
5) face amounts under $ 5,000
6) great rates

Please include a contact name and phone # if you know
of anyone that carries any of these features.

Newby would know, I think.

 

[GreenSky]

I'm looking for the following FE contracts.

1) No rate up for tobacco use
2) direct monthly bill
3) guaranteed issue
4) Low face univeral plans
5) face amounts under $ 5,000
6) great rates

Please include a contact name and phone # if you know
of anyone that carries any of these features.

7) Free Leads
8) 6 year advance
9) No chargebacks
10) 145% commission

Rick

 

[SportsNut]

I'm looking for the following FE contracts.

1) No rate up for tobacco use
2) direct monthly bill
3) guaranteed issue
4) Low face univeral plans
5) face amounts under $ 5,000
6) great rates

7) Free Leads
8) 6 year advance
9) No chargebacks
10) 145% commission

Rick

That is what he meant to say but he was on a tight schedule earlier...

 

[Mr. Bill]

And a partridge in a pear tree....

 

[Newby]

Here's what Newby knows for sure...

1.The two companies that do not rate up smokers are:
Citizens Security and First Life America but... they are bboth in the process of changing to smoker/non-smoker rates because they are ONLY getting the smoker applications.

2. Direct monthly bill: Columbian Life has an old style debit bill policy available. Forethought's Encore and Select products allow for monthly billing or coupon books. I don't know of any straight FE companies that offer monthly bill because it is too expensive and the lapse rates are too high.

3. Guaranteed issue: Americo, Presidential AND...drum roll please...Newby's top secret weapon...I have one that pays low commissions (70%) but has rates that blow everyone else out of the water. A 65 year old male, smoker with AIDS, Cancer and had a heart attack yesterday is $87.32 for $15,000 with 3-year ROP at 8%. I may be bringing this product to the masses in the near future. I even give healthy smokers this company as an option if they balk at smoker rates because it's a way they can have have super low non-smoker rates if they don't mind the 3-year ROP.

4. Low face universal- I have no expertise there but I use Shenandoah for that.

5. Face under $5,000 - lots of them. Look for the lowest policy fee or one that pays commission on policy fees. Monumental comes to mind.

6. Great rates- Oxford

7. Free leads - Your momma's friends

8. 6-year advance- If you need this, you better leard to say "Super-size those fries?"

9. No chargebacks- See item #2 Columbian debit policy earn as you collect

10. 145% commission - Newby's Good Deals for Agents now pays 145% of the first 10% on alternating Tuesdays and Thursdays during leap year when a new pope has declared Christmas to fall in October. COntracting is now available for all. Mail your application and a check for $500 to...

11. Rapid settlement at death!!! - Forethought hands down. Don't forget how important this is to your clients if they plan to use the policy for funeral expenses. They need the money when they die...not 5-weeks later.

12. Monthly payment by credit card auto bill- Forethought...but only if you have contracted through Newby. People like to get credit card bonus points.

 

[xrac]

........

7. Free leads - Your momma's friends

8. 6-year advance- If you need this, you better leard to say "Super-size those fries?"
.......

10. 145% commission - Newby's Good Deals for Agents now pays 145% of the first 10% on alternating Tuesdays and Thursdays during leap year when a new pope has declared Christmas to fall in October. COntracting is now available for all. Mail your application and a check for $500 to...

........

Newby,

Thanks for some good information and a smile.

 

[DanBran]

Newby sure would like to know what your secret weapon is. I have a 76 female that needs GI and the best contract I can get with Presidential is 55%.

 

[Newby]

Newby sure would like to know what your secret weapon is. I have a 76 female that needs GI and the best contract I can get with Presidential is 55%.

What state are you in?

 

[DanBran]

I am in Oregon.