New Agent Here in Chicago

[tryaero]

Hello,my name is ken and I'm a new final expense agent here in chicago.l have one carrier and its security national life.I understand that I need to have a least a couple more carriers.if so does anyone one really know why?

 

[The Gimp]

Hello,my name is ken and I'm a new final expense agent here in chicago.l have one carrier and its security national life.I understand that I need to have a least a couple more carriers.if so does anyone one really know why?

Welcome to the forum!
There isn't a one-size-fits-all company. You need more than one carrier because of underwriting. When you have a client that doesn't fit SNL guidelines you need other options in your bag. We don't use them so I can't speak their underwriting but you definitely need a guaranteed issue company for people with HIV, cancer etc.. If they havea weight chart, you're going to need a carrier that does not have one for fluffy folks.

 

[HoosierLife]

Yeah you're going to be writing a lot of ROP if SNL is the only company you have in your bag.

You need someone that is diabetic friendly, heart friendly, maintenance medication friendly, crazy friendly etc etc etc.