Rate comparison, Lincoln Heritage and Senior Life

Since none of the independent brokers up here have responded to the bold text above, I guess I can assume the Sr Life is unbeatable for this proposed insured? There's many other scenarios where Sr Life blows the competition out of the water.

Anyone needing a contract or has questions call me.
1. Open mouth
2. Insert foot
 
WTF are you talking about...I responded and gave you Sentinel Security, which beats SL in this scenario in post #36. Selective reading? Are you a Democrat? :laugh:

Give us another example where SL does blow the competition out of the water. You've drank too much Kool-Aid over the years. :skeptical:


I'm proud to say I'm not a liberal Democrat. That party gets worse and worse as the years go by. Reminds me of Hollywood.

Well looks like you are wrong. Removing the ADB from SL's rates so we can compare rates more accurately, $10k annually is $740.64 with SL which BEATS Sentinel Security's $10k rate of $778.10. Right?

Even if Sentinel Security was cheaper than SL in this scenario, and since you only listed Sentinel Security without any other carriers as also being lower, I'd say Senior Life still blew the FE carriers out of the water.

For this scenario above, since none of the independent brokers have spoken up, it appears to be safe to say that Senior Life blew the competition out of the water. After all Sr Life's $740.64 blew your only hope, Sentinel Security's $778.10 out of the water.

Since I don't have to go around trying to find the cheapest premium like other agents do who have weak closing skills, I'm inviting brokers to share with us who can beat Sr. Life's rates with other FE carriers for this example?

Todd? Newby? Rouse? Ben? JD? Talk to me.....lol.
 
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FEXquotes does not underwrite they just list the plans that a company has available in the category..It is up to the agent to decide which one the client actually qualifies for..

Duuuhhh.....I did decide that. That's why I say standard rates should not have even been considered....lol.
 
Please clarify. Are you saying you would like a foot in your mouth?
I'm saying that the only product SL has that "blows anything out of the water" is Super Preferred. PERIOD!
This is the Final Expense business. Target market ages 50-85. How many seniors that FE targets are Super Preferred? Go ahead and put your foot in your mouth again by stating an absurdly high percentage.

There are numerous "truly" independent agents in this forum. It doesn't take a rocket scientist to conclude that if SL was the carrier of choice, an overwhelming number would be contracting with them, considering SL professes to be non-captive. Wouldn't you agree?

Your post practically begged for agents to come and join your outfit. You are hilarious, no offense.

By the way, I came across a post that you wrote a few years back stating that most carriers pay agents 120% to sell Final Expense, with no proof of production. Does that statement apply to your contracts to new agents as well? A simple Yes or No, will suffice.
 
Who doesn't take that?

I believe a lot of carriers would take that. The question is: for the carriers that do take that, who can beat Sr Life's rate of $740.64 annual premium. The monkey tried but he was comparing Sentinel Security WITHOUT ADB with Sr Life WITH ADB.

Makes sense for you now?
 
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