Final Expense Coverage

[Guest]

where is the like button?

 

[Josh]

dandan, will you answer my question? I really don't get it, if you're a licensed life agent and are planning on selling life, why is it that you can't compare rates by looking at the rate sheets of the carriers your with? There are only a handful of carriers that are going to be competitive. I would even better understand asking what carriers are competitive in your area, but to ask other agents to do something this basic?

Not so long ago someone had a client who tested positive for cocaine, that is a non-typical case and it's for term (if I recall correctly) so there are tons of companies in that market, all of which have either slightly different underwriting questions or fairly different underwriting questions.
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where is the like button?

Sadly it does not exist here.

 

[dandan]

I will answer your question, only because you are not smart enough to figure it out.

I do 99.9% health coverage, the life plans I have come with the health companies I am contracted with.

I asked a specific question because I assumed there were better plans available that I am not contracted with.

Evidently I was correct because I was contracted with RNA "health only" and now am contracting for life, so that is why I thanked JD.

Now if you read my original post you will notice I said nothing about being a life producer, if I were and had rate sheets available then your comments would be justified, but you are an ass. I hope this helps to understand my question now...!

oh almost forgot, Get it?

 

[Josh]

I will answer your question, only because you are not smart enough to figure it out.

Now if you read my original post you will notice I said nothing about being a life producer, if I were and had rate sheets available then your comments would be justified, but you are an ass. I hope this helps to understand my question now...!

oh almost forgot, Get it?

Who's the ass now? If you have your license and you're going to be selling FE, then you should have your rate sheets. You didn't ask who was competitive, you asked other agents to shop a case for you because you couldn't be bothered to do the work yourself. JD went above and beyond and shopped it for you, but that doesn't change the fact that he did your work for you.

I get it now, because you don't do FE very often you think that you should let someone else shop the case for you and you should get your full spread. Also, anyone that thinks that's lame and calls you out on it is an ass.

Just to make sure we beat this one to death, let's turn it around.

"I have a health case and I can't be bothered to shop it because I'm mostly a life guy and I'm only appointed with one or two health companies that I don't think are competitive, so can someone else shop it for me so I can make sure I'm getting the best rate for my client? It's a couple and they are both 45 and non-smokers." Doesn't that seem a little funny to you?

 

[dandan]

I have proven my point, now you can continue to respond. You may get a couple of your cronies to heckle with you, have fun.

 

[Fisher]

I have proven my point,

You sure have, dandan!

And now, just to be helpful to any other FE noobs that might read this someday, when you have a situation like this go to Ritter Insurance Marketing - Home and run the scenario through their righteous quote engine. Ta-daaa!

 

[GreenSky]

I forgot that FE is on Ritter's quote engine. Thanks for reminding me.

So, to answer DanDan. Go to www.ritterim.com and run some quotes. (This way I get partial credit).

Rick

 

[Fisher]

I forgot that FE is on Ritter's quote engine. Thanks for reminding me.

You're welcome. Gimme a dollar.

 

[dandan]

Thank you very much!

and MPS see how a professional forum is suppose to work?

 

[Fisher]

Thank you very much!

and MPS see how a professional forum is suppose to work?

It appears you missed my initial snarkiness. But you're welcome.