Your top 2- instant decision//voice signature application carriers?

[jdeasy]

Jd Rna is a must for most agents . Kskj is not in a lot of states and some agents don't want to write a small fraternal with only a 100% contract . No height and weight big . The main niche is the neuropathy and insulin level . Outside kskj I don't know anyone else who takes that level . Great on heart and cancer with 2 yr look back . They take big inhaler use if the client says no copd .

Trans takes that level.

 

[jdeasy]

Kskj super aggressive underwriting like Rna . I'm sure Jd's had his share of contestable claims with them with his vol . Jd have they paid most ?Trans had very aggressive underwing and they did all they could to deny a contestable claim .

I haven't had a lot of contestable claims even though I've written about 1500 apps with them. But KSKJ has paid everyone of them. And not because of the law here. I'm talking about the ones that did not have that protection. KSKJ has paid them all.

RNA was my goto for 6 years. I wrote well over 1000 applications with them too. They paid every contestable claim but one. The vast majority of my RNA was written in Indiana and didn't have the Ky law protection anyway. Still, RNA paid.

I've never in my career had a problem with contestable claims being paid. Americo excepted. I would be surprised if americo pays 10% of contestable claims. If they claimed to pay 10% I would want proof.

 

[jdeasy]

Jd Rna is a must for most agents . Kskj is not in a lot of states and some agents don't want to write a small fraternal with only a 100% contract . No height and weight big . The main niche is the neuropathy and insulin level . Outside kskj I don't know anyone else who takes that level . Great on heart and cancer with 2 yr look back . They take big inhaler use if the client says no copd .

I haven't written an RNA in over 5 years. I haven't been contracted with RNA in almost 4 years. There's not been one time I wished I had RNA for a case. Not once. Not been one time when I referred a client to an agent to write RNA. So where I part company is agents saying they are a "must have". If someone wants to write RNA then good on them. But don't try to tell me they are a must.

And I'm an RNA fan. I wish they hadn't exited the FE market.

 

[Todd King]

yes, in my experience both will give an instant decision either on over the phone apps and the online app. Both have a smooth phone app process with dedicated specialist from each company. Though Royal Neighbors is clearly easier in the underwriting area. I've written several cases recently that were declined with Ascendo and Liberty Bankers that got through Royal Neighbors immediate coverage just fine. Having the instant decisions really is big deal.

Seems Accendo declines a lot of apps.

 

[jdeasy]

Seems Accendo declines a lot of apps.

If a lot equals most?

 

[goillini52]

I agree! Royal Neighbors is essential IMO. They will take neuropathy and don't even ask about complications of diabetes. Their lookback period for most things is very fair, and they don't nit pick and decline because of a med or two unless is is for dementia or a declinable condition that the drug is prescribed for and not a dual use med. If only they would accept COPD... I've been using Trans standard for that, any other suggestions for COPD?

Sentinal Security will issue COPD with or without oxygen a true Graded(30%70%/100%).

 

[noah]

I haven't written an RNA in over 5 years. I haven't been contracted with RNA in almost 4 years. There's not been one time I wished I had RNA for a case. Not once. Not been one time when I referred a client to an agent to write RNA. So where I part company is agents saying they are a "must have". If someone wants to write RNA then good on them. But don't try to tell me they are a must.

And I'm an RNA fan. I wish they hadn't exited the FE market.

So if KSKJ is not in an agent's state,what company has the strongest UW,lowest premiums,best agent and customer service?

Who should the agent contact with ?

 

[goillini52]

Seems Accendo declines a lot of apps.

I just used them for the 1st time. On the E-App it wouldn't let me proceed when I listed the meds, so I left it blank and sent a separate email with the scripts on Wednesday and it was approved the next day.

 

[jdeasy]

So if KSKJ is not in an agent's state,what company has the strongest UW,lowest premiums,best agent and customer service?

Who should the agent contact with ?

That's an upline question for your state. I'm not one of those.

 

[noah]

That's an upline question for your state. I'm not one of those.

So if KSKJ were not available in the states you work in,who would be your go to company?