Final Expense IMO's for a Beginner

[KRobby]

Secure Agent Training - Star Agency Contracting/Don't know much about them other than he came on the Forum to try and recruit for a week. I think he only has Final Expense.
Ritter/One of the larger FMO's, good reputation, known for Medicare Supplements and has a lot of good info on their website. When I looked at their Med Supp contracts, their commissions were lower than what I was able to get elsewhere. Don't know if that's changed.
Rosenthal Financial Services/I believe that's Mark's family FMO. He's been gravely ill the last couple of years and I don't if they're active.
N.A.A.I.P/RUN!!! He's a crook and will lure you in with a "free website" and I suspect he'll steal data from your "free website".
SMS-Senior Marketing Specialists/Good FMO. They offer good contracts, make other helpful services available to you, easy to deal with and have a good website with a lot of on line training info.
NASB-North American Senior Benefits/RUN!!! They're MLM with low contracts and I believe they only offer Final Expense.
New Horizons/Nice FMO that has provides a lot of good info and videos with good info. I don't use them because they also have an agency and because I'm local to them, so they're in direct competition with me.

None of these offer face to face training or P&C. Other than Ritter, SMS and New Horisons the others don't have what you seem to be looking for.

Keep in mind that you don't have to tie yourself down to any one FMO. If you're Independent, you can spread your contracts around. Just make sure that you get an upfront release signed, so that if it doesn't work out, you can move your contracts to someone else. It just depends on what you're looking for.

You're going to get a lot of offers from other FMO's and agencies now that you've posted this. Beware of the ones that contact you by PM. There's a reason why they don't post their offer for all to see. They have something to hide and they know they'll get called out.

Good luck and welcome to the Forum.

NASB offers a lot more than just final expense, they're huuuge. Also not sure how they're more mlm than anyone else.
https://docs.wixstatic.com/ugd/6222c9_16ec45c88b25478d99b0079fb2eba25f.pdf

 

[goillini52]

NASB offers a lot more than just final expense, they're huuuge. Also not sure how they're more mlm than anyone else.
https://docs.wixstatic.com/ugd/6222c9_16ec45c88b25478d99b0079fb2eba25f.pdf

I didn't know that they were more than FE/Mortgage insurance. I didn't single NASB out, I was only commenting on the FMO/agencies she had on her list that she had researched.

 

[KRobby]

I didn't know that they were more than FE/Mortgage insurance. I didn't single NASB out, I was only commenting on the FMO/agencies she had on her list that she had researched.

Oh don't give me that, the entire premise of your post was designed to bash my precious NASB.

 

[goillini52]

Oh don't give me that, the entire premise of your post was designed to bash my precious NASB.

I had a feeling that you're with them.

 

[HoosierLife]

Really @KRobby you’re with NASB?

Did you get in early or something? I talk to guys all the time that are at 70% NO renewals and using the $25 Walmart gift card leads that are sold to multiple agents.

They won’t ever release either. You can usually at least get a dual contract for Trans when people have stuff locked up. Not if you’re with NASB. Old Craig Harvey made a deal with Trans that prevents agents from getting the dual contract if they leave.

 

[Mattschmidt]

Heard OK things about NASB. Nothing like what Josh is saying

 

[goillini52]

Really @KRobby you’re with NASB?

Did you get in early or something? I talk to guys all the time that are at 70% NO renewals and using the $25 Walmart gift card leads that are sold to multiple agents.

They won’t ever release either. You can usually at least get a dual contract for Trans when people have stuff locked up. Not if you’re with NASB. Old Craig Harvey made a deal with Trans that prevents agents from getting the dual contract if they leave.

I guess you didn't notice that he was laughing( ) when he said that.

 

[HoosierLife]

I guess you didn't notice that he was laughing( ) when he said that.

Well I thought that until you replied.

 

[KRobby]

Really @KRobby you’re with NASB?

Did you get in early or something? I talk to guys all the time that are at 70% NO renewals and using the $25 Walmart gift card leads that are sold to multiple agents.

They won’t ever release either. You can usually at least get a dual contract for Trans when people have stuff locked up. Not if you’re with NASB. Old Craig Harvey made a deal with Trans that prevents agents from getting the dual contract if they leave.

lolno, just making an unbiased and unaffiliated correction to the statement that they only sell fe. The contracts are too low, that part I agreed with, so I didn't mention it.

 

[Speck]

Just wondering what % of AP during a given year is from replacements, for high producing agents such as Jose, the other gal who's in the same area with the same company, and JD who also wrote a lot of KSKJ. Not talking about churning here, but replacing other agent's policies. I believe I read earlier in this thread where Jose mentioned that he didn't have a reason to write Americo, but had certainly replaced a lot of their policies. I've just never been comfortable doing much of any kind of replacements when the current coverage has been in force more than 2 years, and down here in LA, we don't have access to KSKJ for a low-ball price for replacement anyway. I would really hate for a client who had passed their 2-year contestable period, die within 2 years after I rewrote them and have to wait 6 months to get their burial funds, or perhaps not at all! It just sounds like replacements play a big part for any of these big producing agents with KSKJ, which could explain some of these high production numbers from relatively low lead counts.