Preferred Final Expense Carrier

[Life Hawk]

I had many cases that got pushed to Graded with TA that got approved Level with Americo Eagle Premier. I've only used TA for Direct Express so you could be right. I'm just not gonna deal with the 18 page application enough times to find out! Lol

However... I had to change course today from my "go to" to trans because COPD was pushing her modified... so with heavy heart I lost 10 points on commission and pulled out the novel from trans and began writing...

and writing...

...and writing...

...and writing...

............................and I'm not done yet..............................

 

[FinalExpenseDojo.com]

Problem is the product doesn't have a yes/no black/white underwriting. Just saying if you send 50k to company A
50k to company B
And there is a 30-40% placement difference it may be the company not the 10-yr paramedic turned agent who knows a bit about medicine.

I agree. At least with Eagle you can find out if they're approved in 5-10 mins. Usually if they're gonna turn someone down they'll do so with the prescription check which is ran in the background almost immediately.

Now if TA had an identical eapp I would give them 99% of my business...

 

[FinalExpenseDojo.com]

However... I had to change course today from my "go to" to trans because COPD was pushing her modified... so with heavy heart I lost 10 points on commission and pulled out the novel from trans and began writing...

and writing...

...and writing...

...and writing...

............................and I'm not done yet..............................

God bless you! LOL

 

[mudhound]

currently:
SNL about 35-45%
Trans about 20-25%
Settlers Life about 10-15%
Funny thing is, my production flows from time to time. I will have months with none and then bam i'll write a crap load with trans, then the next will be snl.......
I'm i normal? LOL!!! NO Do not ask my wife that

 

[Agentguy5]

Just curious who is your primary/preferred carrier and why?

 

[goillini52]

Sentinel's my favorite. If I could only represent one company, Sentinel would be it.

 

[Baseball7]

They've not been mentioned much before what's the big draw?

 

[goillini52]

They've not been mentioned much before what's the big draw?

Priced with Trinity, 0-85, Oxygen is true graded, a 1 year old or any age kid on insulin is Level as long as they haven't taken more than 50 units a day in the past 5 years, True Telesales, easy to deal with, quick issue, they also have annuites and Med Supps. Here's more on the FE. Not perfect, but well rounded.

Sentinel Security Life- Writing #*Ph.801-484-8514*A.M. Best(B++)$1-35K-Ages(0-85)(Max. Level 0-75 $35K*76-80 $25K*81-85 $15K)(Max. Graded 45-80 $20K*81-85 $15K)(Max. Modified 45-85 $15K)-Level/Graded (30*70*100)/Modified(ROP+10%)-Has Accidental Death Rider-Has Child Rider covers all children-Policy Fee $35(Commissionable)-POS With No decision for Ages16-85(Aptical Ph.#800-737-6972/7:30am-1am M-F/9am-9pm Sat. & Sun.)-Has Telesales with decision and policy # , no paper app.- Ph. #888-719-8132-has Voice Signature M-F 7am-3:30pm Central Time-Height/Weight for Ages 15+-Takes Credit Cards for initial payment only and post dated checks within 30 days-Has Lifetime, 10 Pay, 20 Pay, PaidUp@ 65, Paid Up @ 85, Single Premium-Has E-app-Drafts upon issue-Commision =
0-75*115% / 76-80*105% / 81-85*85% / Graded 45-75*115% / 76-85*90% / Modified 45-75*75% / 76-85*55%-9 month advance-pays after issue

 

[Baseball7]

So what's the downside is their compensation a lower like a family benefit?

 

[Mattschmidt]

Priced with Trinity, 0-85, Oxygen is true graded, a 1 year old or any age kid on insulin is Level as long as they haven't taken more than 50 units a day in the past 5 years, True Telesales, easy to deal with, quick issue, they also have annuites and Med Supps. Here's more on the FE. Not perfect, but well rounded.

Sentinel Security Life- Writing #*Ph.801-484-8514*A.M. Best(B++)$1-35K-Ages(0-85)(Max. Level 0-75 $35K*76-80 $25K*81-85 $15K)(Max. Graded 45-80 $20K*81-85 $15K)(Max. Modified 45-85 $15K)-Level/Graded (30*70*100)/Modified(ROP+10%)-Has Accidental Death Rider-Has Child Rider covers all children-Policy Fee $35(Commissionable)-POS With No decision for Ages16-85(Aptical Ph.#800-737-6972/7:30am-1am M-F/9am-9pm Sat. & Sun.)-Has Telesales with decision and policy # , no paper app.- Ph. #888-719-8132-has Voice Signature M-F 7am-3:30pm Central Time-Height/Weight for Ages 15+-Takes Credit Cards for initial payment only and post dated checks within 30 days-Has Lifetime, 10 Pay, 20 Pay, PaidUp@ 65, Paid Up @ 85, Single Premium-Has E-app-Comm.-Drafts upon issue-115% / 76-80*105% / 81-858855 / Graded 45-75*115% / 76-85*90% / Modified 45-75*75% / 76-85*55%-9 month advance-pays after issue

Little bit off on the Diabetes part. THey want child to have track record of Diabetes treatement, and specific ranges of A1C. So a 1 year old would not qualify for product