Final Expense in NYC
- Thread starter LuisB
- Start date
- 407
Foresters, Columbian, CSA Life. Commissions are dependent upon your production, but comparable to anywhere else, with the exception of Columbian, which is restricted due to NY insurance laws. Foresters and CSA are fraternals and exempt from the commission limitation rules.
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- #3
- 372
I really like CSA. I've written a couple apps through them and they are fast and very friendly.
- 3,165
With all the questions they ask & the amount of look back they want, Im not even sure I would qualify that product as an FE product really?
And on top of all that, their pricing is middle of the road, at best!
- 11,997
In NY there isn't exactly a ton of competition, middle of the road in California can be leader of the pack in NY.
- 3,165
- 372
I've only done a couple apps with them and had no problems at all. They decline copd so that is an issue but I'd never even consider graded with them. In some niches they are the best price I have and I'm currently using 5 star, RN, Monumental, and Americo as well.
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I was just looking to see where they were my best price and their niche for me is female graded smokers ages 55-65. They kill my other carriers in price for that demographic most of the time. It appears they like "healthy" graded female smokers. That's a narrow niche but it does exist.
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In NY, Columbian doesn't rate smokers on their FE policy.
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- #10
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