Need 10 more!

[Rearden]

I currently have RNA,FORRESTERS,SNL and AMICABLE.I would like to have 10 more to round out my f/e grab bag.any recomindations would be appreciated. thxs in advance

Carriers I use with higher frequency:

1) Transamerica: Love/Hate (mostly hate) relationship -- once you get used to the application, they are a great niche carrier for COPD cases and those with lots of meds, as they rate based on first event, not first fill. Rates are competitive enough.

2) Untied Heritage: Easy application, good bread and butter carrier -- rates are in line with other no-POS carriers like United Heritage. Graded business pays full comp.

3) Americo: New UP2 is perfect when TA doesn't work for 100% first day coverage.

4) 5Star: I send a lot of Graded business its way as Graded is much easier to qualify for than Level coverage.

Ancillary Carriers include:

a) Settlers: Really only for low face amounts, Bronze Plans, and 10-Pays

b) Lafayette Life: Use for really healthy people wanting 10-Pays and where price could be primary buying factor (like in replacing competitively-priced SIWL products)

c) Aetna: When nothing else works when it should.

d) RNA: Good for A-Fib

 

[Newby]

Carriers I use with higher frequency: 1) Transamerica: Love/Hate (mostly hate) relationship -- once you get used to the application, they are a great niche carrier for COPD cases and those with lots of meds, as they rate based on first event, not first fill. Rates are competitive enough. 2) Untied Heritage: Easy application, good bread and butter carrier -- rates are in line with other no-POS carriers like United Heritage. Graded business pays full comp. 3) Americo: New UP2 is perfect when TA doesn't work for 100% first day coverage. 4) 5Star: I send a lot of Graded business its way as Graded is much easier to qualify for than Level coverage. Ancillary Carriers include: a) Settlers: Really only for low face amounts, Bronze Plans, and 10-Pays b) Lafayette Life: Use for really healthy people wanting 10-Pays and where price could be primary buying factor (like in replacing competitively-priced SIWL products) c) Aetna: When nothing else works when it should. d) RNA: Good for A-Fib

Settlers is also the first company to look at for any under age 50 cases if fully underwritten is out of the question. A lot of great uses for them there as long as no insulin.

 

[John Galt]

I currently have RNA,FORRESTERS,SNL and AMICABLE.I would like to have 10 more to round out my f/e grab bag.any recomindations would be appreciated. thxs in advance

My lineup is Amcon, SNL, Slac, oxford, foresters. 5 star and kemper.

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Settlers is also the first company to look at for any under age 50 cases if fully underwritten is out of the question. A lot of great uses for them there as long as no insulin.

I'd rather use standard than settlers.

 

[Rearden]

My lineup is Amcon, SNL, Slac, oxford, foresters. 5 star and kemper.

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I'd rather use standard than settlers.

While I'm not a big Settlers agent, I have never had the same level of frustration with Settlers, as I've had with Transamerica or 5Star.

The biggest problems I've experienced with Settlers is sending applicants to them with a boatload of medications, or those with "heavy" meds like blood thinners, carvedilol, etc.

I've learned to send those cases to first event carriers like Transamerica, or first-fill carriers like United Heritage, when difference between each is negligible.

They do need to come out with a POS approval system for those situations, however.

 

[newtothegames]

While I'm not a big Settlers agent, I have never had the same level of frustration with Settlers, as I've had with Transamerica or 5Star.

The biggest problems I've experienced with Settlers is sending applicants to them with a boatload of medications, or those with "heavy" meds like blood thinners, carvedilol, etc.

I've learned to send those cases to first event carriers like Transamerica, or first-fill carriers like United Heritage, when difference between each is negligible.

They do need to come out with a POS approval system for those situations, however.

now this what im talking about! really appreciate it guy's

 

[WinoBlues]

I DID NOT ASK FOR YOU TO DO MY WORK WINO! i asked for a opinion.if you dont want to give it to me in the fasion i asked then why comment..by the way i think you are the only man in america still wearing TIGHTY WHITIES! thank you very much lol

Because I can.

Tighty whities kept it all in check when I was a boy. Being a man of advanced age it takes boxer briefs now, thank you.

On a different note, Why do you SCREAM so much? We will still pay attention to you if you do not you know.

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Carriers I use with higher frequency:

1) Transamerica: Love/Hate (mostly hate) relationship -- once you get used to the application, they are a great niche carrier for COPD cases and those with lots of meds, as they rate based on first event, not first fill. Rates are competitive enough.

2) Untied Heritage: Easy application, good bread and butter carrier -- rates are in line with other no-POS carriers like United Heritage. Graded business pays full comp.

3) Americo: New UP2 is perfect when TA doesn't work for 100% first day coverage.

4) 5Star: I send a lot of Graded business its way as Graded is much easier to qualify for than Level coverage.

Ancillary Carriers include:

a) Settlers: Really only for low face amounts, Bronze Plans, and 10-Pays

b) Lafayette Life: Use for really healthy people wanting 10-Pays and where price could be primary buying factor (like in replacing competitively-priced SIWL products)

c) Aetna: When nothing else works when it should.

d) RNA: Good for A-Fib

I remember when UH started doing PHIs and we complained, now they have stopped and I wish they gave us the option again. Once they get the new rates in CA they will become my # one or two company again. Their Graded is pretty easy as well.

 

[Jbbarea]

Seems the more experienced guys have less appointments. I'm going with Reardens son this one.

 

[MarkForte]

You are the one asking for others to do your work. You do not dictate what is posted on this or any thread. Ask 50 agents in this forum for a list and and you will get 25 different list for 100 different reasons. Look at Newby's list I have maybe half of those and have 5 others for my own reasons.

Instead of getting your underroos in a bunch over a post thank them or ignore them why piss on someone's shoes you asked for help from today and may need later? <Damn, that is a long sentence>

PS... I am not an FE only agent.

Who are you masked man if not an FE agent and yes I agree with your statement.

 

[WinoBlues]

Who are you masked man if not an FE agent and yes I agree with your statement.

I am a Life Insurance agent. More an old style agent. The "FE" product is no different than Term, UL or WL to me. It is a tool to fix a problem. Only a part of my income. I am told FE is about the FE Market. Very low income, little education and procrastinators. I do not mind the procrastination, I can fix that, flat broke I can not. I may write a few of those but I do not look for them. Of my FE premium last month only $3-4 thousand max was from what I would call the FE Market. That is one of the reasons I ask the questions I ask here. The FE only guys really know their market. I probably sell as much to kids insuring parents and grandparents than to the actual insured.

 

[VolAgent]

I DID NOT ASK FOR YOU TO DO MY WORK WINO! i asked for a opinion.if you dont want to give it to me in the fasion i asked then why comment..by the way i think you are the only man in america still wearing TIGHTY WHITIES! thank you very much lol

I am curious. Do you generally find your appointments to be this frustrating for you?