- 2,038
Cliffs:
Americo 47
Mutual of Omaha 39
Transamerica 37
I think Royal Neighbors would rank pretty high too on your comparisons.
Preferred Final Expense Carrier
- Thread starter OregonDuckLaw
- Start date
Cliffs:
Americo 47
Mutual of Omaha 39
Transamerica 37
I think Royal Neighbors would rank pretty high too on your comparisons.
- 544
Americo
RNA
Trans
Lifeshield
Great Western
I've heard too many bad things about MoO marketing/selling products to clients that we bring to them so I stopped using them for that reason.
RNA
Trans
Lifeshield
Great Western
I've heard too many bad things about MoO marketing/selling products to clients that we bring to them so I stopped using them for that reason.
Exactly!
- 5,486
Dave, how much are you out in the field any more? It would seem to me that it is a full time job just being you!
Transamerica could easily become my go to if I could make using them more “easily”. My Trans wish list is an eApp with POS interview with a know before I go decision.
I’ ll not be holding my breath.
I’ve been using MOO for those healthy enough to get approved as my go to. I have discovered this month, however, that MOO seems not quite on top of the draft dates as is Transamerica.
- 3,764
What I dislike about MOO and other big companies there's no predictability as to how long apps. Take.
One week its 48 hours next week it takes 10 days.
- 5,486
That has been my experience exactly with Transamerica. But I have written MOO in the morning and been paid, money in my account, the very next day. I do the Apptical interview with every applicant with MOO, so that takes all the uncertainty out of the process and they are very quick to issue.
- 2,038
Do you have to send in the full written application as well?
- 5,486
I use the iGo eApp ... it takes a bit longer than the paper app but it is so worth it in my mind as there is nothing more to do than to get to my next door and sell.
WaylonA
Expert
- 21
Hope everyone is having a tremendous morning! My personal list of go-to carriers for FE as of late have been:
1. Oxford
2. Mutual of Omaha
3. Trinity life/Family Benefit
4. TransAmerica
5. KSKJ Life
This list takes into account underwriting, ease of use, pricing and many other factors; (including my personal experience with the carriers so this isn’t fully objective (: lol)
1. Oxford
2. Mutual of Omaha
3. Trinity life/Family Benefit
4. TransAmerica
5. KSKJ Life
This list takes into account underwriting, ease of use, pricing and many other factors; (including my personal experience with the carriers so this isn’t fully objective (: lol)
- 3,990
I’d never want a instant decision Transamerica. You need a company or two that you can use to get in and get out without an extra 15 or 20 minutes during the sales call. Also, when you use the supplemental underwriting form properly you can get nearly anything you want from an underwriter something that would be lost if it was all yes no algorithm decisions.
But if what they implied at the Hawaii convention in March was accurate they’ll have some kind of instant decision process at some point before the apocalypse.
But if what they implied at the Hawaii convention in March was accurate they’ll have some kind of instant decision process at some point before the apocalypse.
