Which of these Companies Are Best?

[Guest]

Hello everyone, I am new to FE and have contracted with an IMO. These are the insurance companies that I've selected; RNA, Forethought, Americo, Mutual of Omaha, and Assurity. In your opinion, please list the companies in the best order. I am looking to concentrate on the top three from this list. Thanks for your help.

 

[Agentguy5]

If you're IMO isn't pointing this out to you in a way that makes sense, then you're already off to a bad start...

I only say this because you're IMO should be telling you when to use each carrier... carriers all have their niches and the trick is to have a cheat sheet already pointing out when to use who and for each situation...

 

[Guest]

I have already considered getting out of my contract. I have learned more on this site than with the IMOs. There is not much communication with upline. I seemed to be learning on my own.

 

[Newby]

Any of those are fine on some cases and bad on others.

You just need to study the health questions and agent guides to sort them out. Your FMO should help you get there quicker.

 

[Rearden]

I could write FE all day with the following:

Monumental
5-Star
AmCon
Vantis/Kemper
Standard Life

 

[jdeasy]

I could write FE all day with the following:

Monumental
5-Star
AmCon
Vantis/Kemper
Standard Life

Without RNA in that mix you are shortchanging yourself.

 

[rousemark]

Without RNA in that mix you are shortchanging yourself.

In what way? .

 

[jacobtn]

I could write FE all day with the following:

Monumental
5-Star
AmCon
Vantis/Kemper
Standard Life

Have you been doing the PHI with 5 star? I really like that carrier. I've been as busy contracting agents with them as I have been writing apps. They remind me of aci except with lower rates and better suited for most situations with all their nifty advantages like debit card acceptance, chewers non smoking etc. Plus they will do an eff date 60 days out where most carriers only allow 30.

I've been having my agents do the PHI just to make sure they are approved but curious if they approve most they are done without.

I haven't used Americo or RNA in years and haven't missed either.

 

[Rearden]

Jacob -- 40 apps or so submitted to 5-Star -- I have never done a PHI on any. Only had 1 declined.

I'll take that all day long.

 

[jacobtn]

Jacob -- 40 apps or so submitted to 5-Star -- I have never done a PHI on any. Only had 1 declined.

I'll take that all day long.

That's pretty good numbers. Are you delivering them or having then mailed direct? I think its strange how they request return of the delivery receipt by mail, I guess they are getting most of those back.