Lowest FE Premium -- Aggressive Shopper

[Ronnie Carter]

RNA did cut commissions but I thought he was looking for the best for the client instead of the best for the agent.

I am looking for what's best for the client. Commissions are important but they will come when you give folks the best deal you can find.

Is that RNA product fully underwritten, or simplified issue? Also, who's good to contract through?

I'm assuming Sagicor would be full u/w.

 

[Hopwood04]

I have found United Life to be the lowest premium. They fully underwrite but no FE company can compete if your client is healthy

 

[gordon112]

To be honest, RNA is on the back burner unless the RNA essential whole life works for folks under 17 or are looking for a 20pay.

They have turned into a term and UL company and have left the FE in the dust. That seems to be a completely lousy strategy since most business is coming on the FE side. Good luck for them to try and take on Prudential, Mutual of Omaha, North American and several other much better companies.



Sagicor seems to be the best fit for the client in this case.

 

[jdeasy]

I have found United Life to be the lowest premium. They fully underwrite but no FE company can compete if your client is healthy

BS!! UHL can't beat the $88/mo for $25000 face.
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To be honest, RNA is on the back burner unless the RNA essential whole life works for folks under 17 or are looking for a 20pay.

They have turned into a term and UL company and have left the FE in the dust. That seems to be a completely lousy strategy since most business is coming on the FE side. Good luck for them to try and take on Prudential, Mutual of Omaha, North American and several other much better companies.



Sagicor seems to be the best fit for the client in this case.

Sagicor is an UL. I don't like what RNA did to the EL but when it's best for the client I still write it. I have 4 EL applications pending right now.
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I am looking for what's best for the client. Commissions are important but they will come when you give folks the best deal you can find.

Is that RNA product fully underwritten, or simplified issue? Also, who's good to contract through?

I'm assuming Sagicor would be full u/w.

It's fully underwriten for that age. There's a guy in Nashville, Bob Scott, I think is his name. He is an MGA with RNA. Good guy. I don't have any idea as to what commission levels he offers.

I'm licensed in Tn. and appointed with RNA in Tn if you wanted to pass this one off.

 

[deadhead]

BS!! UHL can't beat the $88/mo for $25000 face.
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Sagicor is an UL. I don't like what RNA did to the EL but when it's best for the client I still write it. I have 4 EL applications pending right now.
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It's fully underwriten for that age. There's a guy in Nashville, Bob Scott, I think is his name. He is an MGA with RNA. Good guy. I don't have any idea as to what commission levels he offers.

I'm licensed in Tn. and appointed with RNA in Tn if you wanted to pass this one off.

OP has stated the customer is only going by price. Price wise Sagicor is the best route

 

[rousemark]

BS!! UHL can't beat the $88/mo for $25000 face.
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He didn't say UHL, he said United Life.. I assume he means the one that is headquartered in Cedar Rapids..

 

[jdeasy]

OP has stated the customer is only going by price. Price wise Sagicor is the best route

He said for "FE". I would not use a UL for FE but if we are only talking price then use term.

 

[deadhead]

He said for "FE". I would not use a UL for FE but if we are only talking price then use term.

Remember FE is only a marketing term. All life insurance is technically FE. And RNAs EL doesn't fit the definition of the "FE" niche either

 

[jdeasy]

Remember FE is only a marketing term. All life insurance is technically FE. And RNAs EL doesn't fit the definition of the "FE" niche either

Whatever dude. I will sell nothing but whole life for final expense. RNA is whole life. Play those semantics with someone else.

 

[deadhead]

Whatever dude. I will sell nothing but whole life for final expense. RNA is whole life. Play those semantics with someone else.

Just get off your high horse for once and stop talking down to everyone.