What Are The Top 10 Easiest & Fastest Final Expense Insurance Products To Write?...

[FETalk]

Hello Guys and Gals, in your opinion, which insurance companies do you feel currently offer the easiest & fastest "to write" (1-3 page apps., e-apps., telephonic apps., instant decisions etc.) FE products on the market today?

 

[Baseball7]

Americo eagle
Snl (paper app)
Amam FE

 

[Life Hawk]

RNA
LBL
Prosperity
GI - Sons

 

[Life Hawk]

Follow-up: Simple does not mean most competitive.

For example, KSKJ (paper only and no instant decision) is very competitive if you are willing to take $65 bath on each app and a 20% hit on commissions. I understand they have a place, but with that type of income loss per sale, I'll never pull them out of my bag first.

The importance is to find the companies that meet your needs as agent and work for your clients. I have found that as time changes so do the companies I offer, because companies change along with time.

 

[DonP]

Honestly I’ve found prosperity’s underwriting somewhat sticky . I’ve had several come back Graded recently or referred to home office because couldn’t verify identity . I only use for DE cards . I see now they require you to scan the drivers license or state ID on the E-App . Before it was optional.

 

[rousemark]

Hello Guys and Gals, in your opinion, which insurance companies do you feel currently offer the easiest & fastest "to write" (1-3 page apps., e-apps., telephonic apps., instant decisions etc.) FE products on the market today?

SNL (paper app) Does not require a phone call/
Accendo (Paper or eapp) Does not require a phone call.
Great Western (eapp) Does not require a phone call

You might get the impression that I hate doing PHIs.. Seems to be a waste of time.. And, there are a lot of areas that I work that you cannot get a signal.

 

[Baseball7]

referred to home office

Is always a result of mib codes

 

[mudhound]

snl is my current go to. They have a 4 page paper app

 

[rousemark]

snl is my current go to. They have a 4 page paper app

Have you used the Apptical Telephone application?

Everyone should have Accendo/CLI process for signatures on an eApp.

 

[DayTimer]

Accendo (Paper or eapp) Does not require a phone call.

Have you used the Accendo product? Have you gotten mostly instant approvals? Any declines that were a surpise?