Most innovative FMO & IMO?

[vic120]

Today a lot of carriers are showing up on Toolkit, including CSO. Have you looked at Lumico?

No I haven't In fact few years ago I contracted with them but then started seeing people complaining about a lot of apps that had no's to med questions declining I had that issue with Everest and cso was not fun

CSO I will still use as a last effort where no other choice is workable


Really intrigued with national general will probably start writing then now in june

 

[goillini52]

Today a lot of carriers are showing up on Toolkit, including CSO. Have you looked at Lumico?

Medico is showing up now also.

 

[vic120]

Medico is showing up now also.

You know I may start the trail this week I think he was saying the rates needed updating but I use csg for that

I just need for underwriting

 

[goillini52]

You know I may start the trail this week I think he was saying the rates needed updating but I use csg for that

I just need for underwriting

I think Toolkit's rates are more accurate. I've seen several times when CSG was a nickel off, and Toolkit was accurate.

 

[Todd King]

I've been looking at Prosperity too for Medigap. I do minimum underwriting, so I don't care so much.. but the premiums are really good and they've been around for awhile.

Yeah, Prosperity is coming in as #1 or #2 in many states!

 

[vic120]

Aren't you scared medico came in with new product and lowballed ? Then they sky rates or pull out like they did last time ? You seem to do a lot of med sups over the yrs . When you work leads the sale is obviously about saving them money. Are you telling me a 72 year old is willing to switch carriers to save $10-$15 a month ? I've tried that before and people don't seem to have an interest for that small am amount . But listening to virtual sales agents it seems to happen .

You know who has been real bad, The worst, that I was told was one of the best for low rate increase is Manhattan life

I have clients getting increases 2 or 3 times a year I have some went up $110 almost 50% inside of 3 years

Ill never use them anymore except for dental

 

[goillini52]

You know who has been real bad, The worst, that I was told was one of the best for low rate increase is Manhattan life

I have clients getting increases 2 or 3 times a year I have some went up $110 almost 50% inside of 3 years

Ill never use them anymore except for dental

I've had them for years, but never used them for fear they'd go up like Family Life did.

I also only use them for dental.