Washington National Final Expense

[rousemark]

I took on WN for their supplemental health line but they have a pretty competitive FE plan.. Fairly simple app, heart attack 2 yr look back, cancer 5yr. However, they ask for all meds in the last 12 months. Is anyone using them? How would you rate their underwriting and do you get an approval at the end of the POS? Do they fill any particular niche?

 

[sbbuhc]

I am interested in what someone with experience writing the FE product considers WN's niche also as I was considering contracting with them. Their smoker rates are really competitive on FEX quotes. The agent guide says the PHI takes about 15 minutes with the interviewer asking questions that follow the application with additional questions as necessary to develop complete medical history, so not sure that's a selling point. I haven't seen the app but wonder if they are a place for just really healthy people, kind of like Assurity (for the most part).

 

[rousemark]

Is anyone using them? Just wondering what your experience has been with them. The only one I have written was an application on my wife and it went very smooth. They have what is probably one of simplest applications I have seen. Rates are very good at younger FE ages.. Not diabetic friendly.