Lie Insurance Co Who Is Good

May 25, 2007

  1. CHRISTINASPARKS
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    CHRISTINASPARKS New Member

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    Hi All I Am Looking To Add A Life Insurance Co Under My Belt I Am In Ga Anyone Know Who Is Good...
     
  2. Bob_The_Insurance_Guy
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    Bob_The_Insurance_Guy Guru

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    Very difficult answer.

    Who is your target market?

    Term, Whole Life, Universal Life?

    Some of the one's I use are:

    Guardian
    West Coast Life
    Genworth
    First Colony
     
  3. indaville
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    indaville Super Genius

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    I have been happy with Mutual Trust (MTL).
     
  4. somarco
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    somarco That Medicare Guy

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    What is your primary market now?
     
    somarco, May 28, 2007
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  5. sman
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    sman Guru

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    If you're going to be competitive, you need more than one carrier. For term insurance, consider all of the following:

    Banner Life
    West Coast Life
    Reliastar Life
    Ohio National Life
    Genworth
    Protective
    Lincoln National
    Western Reserve
    Midland National
    American General

    In addition to contracting with these carriers, you will want to get very familiar with their underwriting guidelines. Some will be more lenient than others.

    If you are talking about final expense, I'm not very familiar with what all is available as I don't fool with final expense coverage.
     
    sman, May 28, 2007
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  6. bluemarlin08
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    bluemarlin08 Guru

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    I would add Pru for impaired risk and tobacco users, non cigs, and I have found Liberty Life the most competitive for smokers.
     
  7. Dave020
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    Dave020 Super Moderator Moderator

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    US Financial Life is a good choice for higher risk clients.Dave
     
    Dave020, May 28, 2007
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  8. GreenSky
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    GreenSky Guru

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    Quote Engine

    While this won't tell you which plans have the "best" underwriting for a particular situation, you can see which plans have the best pricing. I use a quote engine called "Compulife". Since I only write a few term plans each year, I find it very important to at least find the lowest price. I can then call the GA and get info on underwriting without being steered by commission.

    You can take a look at it at http://www.compulife.com/. Oh yeah, I can run quotes on my pda - very cool.
     
    GreenSky, May 28, 2007
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  9. CHRISTINASPARKS
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    CHRISTINASPARKS New Member

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    i am working with the senior market and impaired risk.
    i am thinking on doing both trem and whole .
    thanks for all the replies
     
  10. senior-advisor-indiana
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    senior-advisor-indiana Guru

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    I'll take some trem.:D
     
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