Final Expense to Age 85?

[Newby]

Did American Memorial add a modified plan?

 

[theinsuranceman]

Thanks for the info!! I only do phones selling, zero F2F.

Me too. Who do you write for?
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Anyone know of a final expense company that will go to age 85 that will allow applications to be taken by phone or by mail?

Sr. Life and Lincoln Heritage both will.

 

[dfernandez00]

Nope ... Just Level

 

[CFP83]

Most companies go to 85yrs old. There are only a few that don't. I like Foresters price for the age group. Lincoln Heritage and American Memorial are too expensive.

I must be missing something here....the American Memorial rate sheet I have in front of me shows A.M. literally blowing away literally everyone else out there on both males and females between the ages of 81-85. I'm just recently appointed with A.M so I want to make sure I've got this straight....

I'm showing Female NS as the following with AM:
81= $102.72 per thousand
82= $106.61
83= $ 106.63
84= $ 113.83
85= $121.39

For Male NS in the same age category:
81= $135.28
82= $139.39
83= $142.39
84= $145.50
85= $153.83

These are quoting their preferred rating, however from the looks of this application its not that hard to get. I will agree that their rates for 60-80 year old's is very high.

 

[Newby]

American Memorial is priced very good on young ages and 80-85.
Unfortunately that is the ages where they pay lowered commissions.
Great company though and renewals never end.