Top 5 f/e companies for fl

Discussion in 'Final Expense Forum' started by JT Agent, Sep 1, 2017.

  1. JT Agent
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    JT Agent New Member

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    Im looking for in you guy's opinion who are the top 5 f/e companies to work with?
     
  2. billyb
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    billyb Guru

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    This will depend a lot on you IMO and what companies They offer. FEX Quotes will give you an idea of who is available. I work FL and it is tough..
     
  3. TPAAgent
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    TPAAgent Guru

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    Just a heads up-There's no difference in underwriting or price from state to state
     
  4. Broker4Ever
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    Broker4Ever Guru

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    Hey JT.

    When I get a new agent I always reccomend these carriers.

    Transamerica
    Liberty Bankers Life
    Royal Neighbors of America
    Americo
    AIG

    With these 5 carriers there are VERY FEW medical conditions that you cannot get 1st day coverage for (that another carrier would). Including...

    Recent mini stroke
    Walker use
    Neuropathy & other diabetic complications
    Afib
    Insulin use with no minimum age
    Previous heart problems or stroke
    Hepatitis
    Malaria
    COPD
    Chronic Asthma
    Recent hospital stay
    Non-chronic kidney disease
    Plus more......

    Also, 4 out of 5 are paperless, & instant decision underwriting. 3 out of 5 pay within 72 hours upon submission. CA$H FLOW! ;)

    Email me for a copy of my underwriting cheat sheet. :)[email protected]
     
  5. indiana260
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    indiana260 Guru

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    What 3 pay within 72 hrs? I know RNA but I know Trans doesn't and I don't recall AIG or LBL paying that fast.
     
  6. bboman23
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    bboman23 Guru

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    LBL pays on issue with us.
     
  7. jdeasy
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    jdeasy Guru

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    Depends on what you mean by top. Price? Standard Life, Oxford, SNL, Settlers, Assurity.

    Are you new?

    If so then I always starting with one company. Learn everything about that company and write only that company. Then add companies as you find areas that your one company won't work.

    If you are not new then just pick up any company you want. No reason to limit to 5 but also no reason to focus on 5 either.
     
  8. TampaHound
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    TampaHound Guru

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    I like MOO. Generally their pricing is reasonable and they don't always require a POS.

    That being said, if your client can't get the level policy you are forced to pivot to another option since their graded pricing is out of whack if you ask me.
     
  9. bboman23
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    bboman23 Guru

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    MOO will order a phone interview over 70% of the time though. An agent should always get an approval in house when writing MOO.
     
  10. Baseball7
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    Baseball7 Guru

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    Every Omaha app I've done without calling Appitical has lead to a PHI when I wasn't in the house.
     
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