Need a Final Expense Company That Fits Me

[CdnBroker]

Hello guys,

Im trying to find my dream Final Expense Carrier and Maybe IMO so I could use your Help

Is there a company that fits this description

I would Need at least a 120% Contract and that is not being greedy the lead programs that I want to offer are expensive but they work well

I would like a company that processes applications fast and pay on approval or issue

Also i would prefer no phone interview but there is not much we can do about that anymore

and of of course good rates
30-70 graded benefit
a good application
and last but not least takes payments from credit cards

 

[Josh]

Re: Need a Final Expense Company That Fitts Me

A few questions:

-Why does it need to be "at least 120% contract"
-What does "being greedy with the lead programs" mean?
-What are carriers are you using now and why are they a problem?

 

[Newby]

Re: Need a Final Expense Company That Fitts Me

Hello guys,

Im trying to find my dream Final Expense Carrier and Maybe IMO so I could use your Help

Is there a company that fits this description

I would Need at least a 120% Contract and that is not being greedy the lead programs that I want to offer are expensive but they work well

I would like a company that processes applications fast and pay on approval or issue

Also i would prefer no phone interview but there is not much we can do about that anymore

and of of course good rates
30-70 graded benefit
a good application
and last but not least takes payments from credit cards

5-Star Life fits with what you are looking for. The 120% will require that you have a huge proof of production. Unless you don't care about renewals at all. 110% would be the starting point without the previous production. If an agent is crazy enough to get a bump up on 1st year and give up his renewals I could work with you on that also. I don't advise it.

Oxford has the 120% first year but don't meet your other requests.

Contact me though here if you want to discuss any FE companies with me. http://fexcontracting.com/
- - - - - - - - - - - - - - - - - -
I forgot about Monumental. They will meet all your requests. Street with them is now 115% because they reduced the renewals for everyone. A 120 will require some production history but not as much.

 

[CdnBroker]

Re: Need a Final Expense Company That Fitts Me

A few questions:

-Why does it need to be "at least 120% contract"
-What does "being greedy with the lead programs" mean?
-What are carriers are you using now and why are they a problem?

I would need a 120% to accomplish my goals

"being Greedy" - I wrote that because I know that there are alot of unfriendly users on this forum.

None of the carriers I use are problems. I would just like to have a company that fits all of my needs

I have a UHL, Amicable, Assurity, CBL, Monumental,

And Newby when would be the best time to contact you

thanks

 

[Newby]

Re: Need a Final Expense Company That Fitts Me

I would need a 120% to accomplish my goals

"being Greedy" - I wrote that because I know that there are alot of unfriendly users on this forum.

None of the carriers I use are problems. I would just like to have a company that fits all of my needs

I have a UHL, Amicable, Assurity, CBL, Monumental,

And Newby when would be the best time to contact you

thanks

Anytime. Now is fine.

 

[MGA]

Re: Need a Final Expense Company That Fitts Me

Lincoln Heritage is the right company for what your needs are. Remember other IMOs hate the best(1 fe company in USA) so please remember their motive OVERWRITES. Make your decision based on track records not hot air.

 

[360]

Re: Need a Final Expense Company That Fitts Me

What in the world is an "overwrite"? Is that like when you cross a single line through something to make a correction?

 

[Newby]

LH has been very good for most of us.

 

[jdeasy]

Re: Need a Final Expense Company That Fitts Me

Lincoln Heritage is the right company for what your needs are. Remember other IMOs hate the best(1 fe company in USA) so please remember their motive OVERWRITES. Make your decision based on track records not hot air.

AM Best does not agree with you that LH is the largest FE company. But, no one else agrees with you on that either.

Nor does LH meet all the criteria that was asked for.

 

[CdnBroker]

Re: Need a Final Expense Company That Fitts Me

I have Never been appointed to LH before and maybe I have the wrong impression of them

I was told the agent gets paid before they even know if the app is approved. Also every time I have encountered a LH policy they have aways been 20-30$ more then all other FE companies and this might not be the case but do the polices also end at age 80 or 85. I Would only want to sell a product to seniors that covers them till death or matures at 100 or over.

does 5 star life have a final expense Side I looked at there website and did not see any FE or Whole life... Maybe I missed it



thanks