Need a Final Expense Company That Fits Me

[jdeasy]

60 MALE NON SMOKER 46.27 10,000

maybe not the cheapest but cheaper than other carriers that I have worked with in the past

RNA is less than $41/mo for that same person. Quick math tells me that almost 15% less. Even Foresters is better than that after their recent rate increase. Monumental as well. Almost everyone I carry would best that price.

Who did you work with before, LH?

 

[CdnBroker]

Ive sold with Pioneer American for awhile and Colorado bankers life.

and I would Never work For LH lol

What is the actual price with RNA

 

[jdeasy]

Ive sold with Pioneer American for awhile and Colorado bankers life.

and I would Never work For LH lol

What is the actual price with RNA

It's $40.91/mo......................

 

[Monster]

I am a little confused about why anyone would be afraid of a debit balance with advanced commissions. I am sure most if not everyone on here has borrowed money. Basically same concept. Insurance business as every business needs very good good money management.

 

[VolAgent]

I am a little confused about why anyone would be afraid of a debit balance with advanced commissions. I am sure most if not everyone on here has borrowed money. Basically same concept. Insurance business as every business needs very good good money management.

We're talking final expense clients here. Heck, even with term clients, if it is going to lapse, it usually happens when that first payment fails to clear.

 

[Mattschmidt]

I thought globe life could only be purchases thru their call center or direct mail campaigns.

 

[gordon112]

I thought globe life could only be purchases thru their call center or direct mail campaigns.

Globe life is a torch mark company, might be one of there affiliates offering the brokerage deal. They have been a direct company for years.

 

[Newby]

I am a little confused about why anyone would be afraid of a debit balance with advanced commissions. I am sure most if not everyone on here has borrowed money. Basically same concept. Insurance business as every business needs very good good money management.

Agent debt kills more agents off than lack of sales ability. You want insurance companies to owe you money. Not the other way around. Good money management means you pay your monthly bills out of positive cash flow NOT go into debt.

 

[rousemark]

I am a little confused about why anyone would be afraid of a debit balance with advanced commissions. I am sure most if not everyone on here has borrowed money. Basically same concept. Insurance business as every business needs very good good money management.

You can budget for other debt but it is hard to budget for debit balances as you never know when they might occur or how much it will be.
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Globe life is a torch mark company, .

That alone is enough for me not to use them.

 

[gordon112]

You can budget for other debt but it is hard to budget for debit balances as you never know when they might occur or how much it will be.
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That alone is enough for me not to use them.

Agree to that, hmm I thinking that old LH might be under that name corporation as well.