I'm in the northeast and I don't have access to a lot of these smaller FE companies you guys talk about. I've only used AMerico's Eagle product as MOO , Trans and even Assurity have better rates. UP1 is coming up more affordable in a lot of situations now ... Anything I should be aware of ? How's the underwriting. Are you guys starting to use it? DO they have an e-app now like the Eagle Premier?
Is Americo's UP1 worth it now
- Thread starter jboussea
- Start date
- 4,130
It's still a paper application with highly inconsistent underwriting decisions. Where in the north east are you.
- Thread starter
- #3
- 4,130
Assurity
Omaha
Transamerica
UHL
Occidental Life
Foresters
All things I would sell before ultra protector
Omaha
Transamerica
UHL
Occidental Life
Foresters
All things I would sell before ultra protector
- Thread starter
- #5
UHL and Occidental are in MA? .. I know about the others but how is the app process with Occidental and UHL?
- 4,130
Uhl is known to reverse decisions after a phone interview. American Amicable it's not a low price leader but the small block of business I've sent them I have nothing negative to say about that yet.
- 15,041
UHL definitely, don't know about Occidental. I believe the app with UHL is slightly modified for MA. UHL is pretty straight forward, application and phone call.
- 26,177
I have had good underwriting experience with UHL. Except they take for &^%$#@*'n ever to get Chit entered, issued, mailed. However, There ROPTerm and DLXTerm sure do have a place in my book.
- 4,130
I have a major pet peeve about doing a phone interview that doesn't actually render a decision.
- 15,041
Rarely does UHL go against the phone interview. The only curveball with them is that they do a background check on everyone, so you have to wait for that to come in for the policy to issue.
