Gonna depend on state but you don't need 5.

PFA
KSKJ
SLAC
Trinity/FBL
Royal Arcanum
3 of those 5 are fraternals . Royal Arcum already shit on policy holders about 7 yrs ago according to what I've read agents say . Most of these in few states . The only usable ones for true fe clients who most are in so so health is Trinity and pfa. All roads lead to am am , moo , Trinity ,Sbli , rna even CICA. Go to throw in senior life and Lincoln !!!
 
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Everybody knows Lincoln Heritage has the lowest rates after you factor in the Guardian thingie.

Discuss amongst yourselves.
 
3 of those 5 are fraternals . Royal Arcum already shit on policy holders about 7 yrs ago according to what I've read agents say . Most of these in few states . The only usable ones for true fe clients who most are in so so health is Trinity and pfa. All roads lead to am am , moo , Trinity ,Sbli , rna even CICA. Go to throw in senior life and Lincoln !!!
What's your problem with fraternals?

He asked rates. I gave him rates.


Now you want move the goalposts.

Are you looking for answers or excuses?
 
No they don't. It's just their big lie about how much they sell.

They sell about 10% of what Trans does.

If that matters?
I've read many times they both sell $100-$200 mil of fe premium . In the old days I agree trams sold a lot of fe . I find it hard to believe they sell that much fe anymore . I hear few agents talking about selling trans fe anymore . I got no doubt am am outsells them in fe premium as it seems all the big telesales shops push am am hard
 
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