Foresters New Final Expense Program

[inreverse]

Any thoughts on Foresters final expense program? I have received several emails promoting it.I believe it is tied to Dignity Memorial.

 

[Texas Insurance Guy]

Hopefully its an easier app then their term life, ugh. I have heard that the rates seem good, but have also been told that its not yet available in Texas. Canada and Texas cant get along?, lets get this thing out eh (insert Canadian accent)

 

[myinsurebiz]

BL, LA and UHL have a better plan AND it's simpler to sell . . .

Tom

 

[Texas Broker]

Something to be aware of in Texas, the state gurantee fund does not cover policies "certificates", from Fraternal Benefit societies in Texas.

This is something I would not have even thought about a couple of years ago.

Texas Broker

 

[insuragent]

Wha is LA and UHL? BL = Baltimore Life??

 

[Mark]

UHL is United Home LIfe

I'm an IMO for UHL.

Click Here to learn more about UHL

LA I think means Loyal American

 

[Insexpert1]

Do You Offer Contracts With Them ?

 

[Mark]

Do You Offer Contracts With Them ?

Rosenthal Financial Services, LLC.


Yes, I do.

 

[nfl72]

thats a good thing to teach new agents on this forum. if the facts are not in your favor and you can't sell against them try scare tactics.

I have both Foresters and UHL and in most situations UHL couldn't carry a Forester's suitcase. I would guess 50% or more of my clients are on some sort of Disability income which makes them graded at UHL. I mostly use UHL with people under 50.

Also if you have to go graded or modified UHL does pay better than most but the vast majority of the time UHL is priced higher than their competition.

You can say what you want to about Foresters CS but I beleive hands down they have more usable member benefits than the others. Those discount cards a a complete joke. I called three local big pharmacies and they said they did not save any money at all on my meds and I take ten pills a day.

And as I have stated before I have used many of the Foresters benefits and saved more than $2 grand in a year and a half.

But about every other month I do want to kill them.

STIP CITY!!!

 

[Todd King]

I think you'll find that Mark excersized his right to change his mind.

They do offer Foresters now, as well as UHL.