Good WL/UL Carriers

[GAHEALTH]

Who are the best carriers for WL/UL type of products

 

[insuranceexec]

What are you trying to accomplish?

 

[BNTRS]

Good UL carrier? Throw a rock they'll all have stuff.

Whole Life? Broker with Guardian and Massmutual, they are the only two of the major mutuals who will allow broker business. Unless you happen to have a lot of 10k and above premium cases, then NYlife will talk to you. Problem for them is both Guardian and Massmutual are better.

 

[scagnt83]

Ohio National has a good WL line up too. And Cinci Life has a good non-par policy.

Lincoln and John Hancock have some of the most competitive UL line ups out there right now.

 

[insuranceexec]

Ohio National has a good WL line up too. And Cinci Life has a good non-par policy.

Lincoln and John Hancock have some of the most competitive UL line ups out there right now.

Hancock's UW will be tightening up. Lincoln is good, especially if one understands the table shave program, but the comp is sorely lacking.

You should also look at North American for a low cost GUL with very good comp. They also have a good table shave program, and good premium finance platform.

West Coast Life has a good UL, and their UW will amaze you with respect to Heart conditions, diabetes, and HEP C. Just Got a 76 year old (3M DB GUL) with HEP C a standard offer today.

The list goes on and on............I hope this helps.