Who is the Best. Broker for Term, Indexed Etc...

Jul 7, 2016

  1. Old School Marine
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    Old School Marine New Member

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    I know its the 64000.00 question. For that matter what insurance company is best for term, indexed,variable etc..
    Guys I am a Veteran Agent. I have sat out for 6 months and I am looking for a good fit. Thanks for all the help.
     
  2. Norwayguy
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    Norwayguy I have spent way too much time here.

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    Talk about dating yourself.....who wants to be a millionaire.
     
  3. shooter
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    shooter Guru

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    I dated myself all through high school.

    Chuck Norris once put a fire with a gallon of gas

    Shooter
     
    shooter, Jul 7, 2016
    #3
  4. Old School Marine
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    Old School Marine New Member

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    I don't get it? Dating yourself? Is it the 64 thousand dollar question that dates me?
     
  5. AboutThatLife
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    AboutThatLife Guru

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    No, its the fact that you waited 4 days for an answer and you still don't have one.
     
  6. BenJackson
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    BenJackson New Member

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    I am using The Annuity Store for my primary life/annuities, call john Encinas, 916-679-0284, If you are looking for final expense then there are other options.
     
  7. Old School Marine
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    Old School Marine New Member

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    I still do not see how that means I am dating myself. I have not been waiting 4 days for an answer. I have been working. I do not care if it takes a month. You could say there is no right answer or you could say I knew the answer before I asked. Really just curious what other agents have to say. Really don't care what some think but I do wonder about their thought process.

    ----------

    Thanks Ben I will put them on my list
     
  8. AboutThatLife
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    AboutThatLife Guru

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    Dude dont be so defensive. People are just joking.
     
  9. Tahoe Ray
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    Tahoe Ray Guru

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    You're not getting answers because it is very difficult to answer this question.

    Underwriting plays a huge role in life insurance so what risks/pricing appetite one carrier has is different from another.

    For example, North American takes a family cancer death into account (at younger ages) where Lincoln does not. Both have good IUL'S but NA'S is arguably better.

    However, if a client has parent with an early cancer death, Lincoln may go preferred where NA could go standard...now all of a sudden, Lincoln looks better.

    It is really a case by case scenario. Most agents have their favorites, but they are going to vary widely on niche and philosophy (e.g. client might want to convert, doesn't want an exam, believes in permanent or doesn't etc.)

    There is no easy answer to your question.
     
  10. GalvIns
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    GalvIns Super Genius

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    American National of Texas, a subsidiary of ANICO has a solid Term product. It's pretty affordable compared to the others, and the underwriting is much better. I'd also take a look at ANICO's IUL and GUL. Both solid products, the rates changed a little recently, but still competitive.
     
    GalvIns, Aug 2, 2016
    #10
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