Life insurance – no witnesses please

[LGilmore]

Don't most policies require a blood & urine test? There's your witness. These Rn's that do these tests confirm the person as well as ask additional health questions. I haven't had a carrier complain about "being" there as most now also compete with me with their own online applications. Like they witness themselves

I guess it would depend on your state of license.

 

[lifeinsuranceguy]

There's quite a few carriers that are very competitive on term rates that have 2 page applications. A+ rated as well. Also two companies I have offer the non-med policies up to 300k, real nice to have for quick issue.

If you really want to feel out a GA to get connected with, call a smaller shop that actually cares/wants your business. That's what I did and they have all the same advantages of Bisys. Online statusing, over 35 carriers to work with, good case managers and case managers that just work on the bigger cases, product and underwriting knowledge which is key for your placement ratio and an advanced sales/estate planner in house.