Assurity

[rousemark]

How is Assurity as a company which which to place fully underwritten business? Are they easy to do business with? Are the products competitive? Do you contract direct or go through IMOs? All opinions and comments welcome.

 

[WinoBlues]

How is Assurity as a company which which to place fully underwritten business? Are they easy to do business with? Are the products competitive? Do you contract direct or go through IMOs? All opinions and comments welcome.

I find them easy.
They have a Par Whole Life that goes down to $25,000 (i think) that spanks FE for a std issue person.
One of the few ROPTerms left.
I don't know if you can direct contract. I moved mine from one imo to Todd.

All IMohsoHO

 

[rousemark]

I find them easy.
They have a Par Whole Life that goes down to $25,000 (i think) that spanks FE for a std issue person.
One of the few ROPTerms left.
I don't know if you can direct contract. I moved mine from one imo to Todd.

All IMohsoHO

Todd works for me!

 

[scagnt83]

Depends what you want to write.
WL is competitive for final expense purposes.
Term is not very competitive from what Ive seen. Use AIG instead (or Protective/Penn/LFG)
DI is competitive for blue collar and lower/middle income.
I had a contract through an IMO. It wasnt Todd but Id second using Todd.

Ameritas is another to look at if you want a FU FE type WL. Their term is much more competitive than Assurity and will compete much better. DI is very competitive. (even have a GI DI that is a lump sum benefit). Ameritas has different channels to contract, they have GAs who are direct, but you can also use IMOs. But most IMOs only offer limited products (which are exclusive to the IMO channel). Id suggest a GA, there is a larger product selection. Its weird.

 

[rousemark]

Depends what you want to write.
WL is competitive for final expense purposes.
Term is not very competitive from what Ive seen. Use AIG instead (or Protective/Penn/LFG)
DI is competitive for blue collar and lower/middle income.
I had a contract through an IMO. It wasnt Todd but Id second using Todd.

Ameritas is another to look at if you want a FU FE type WL. Their term is much more competitive than Assurity and will compete much better. DI is very competitive. (even have a GI DI that is a lump sum benefit). Ameritas has different channels to contract, they have GAs who are direct, but you can also use IMOs. But most IMOs only offer limited products (which are exclusive to the IMO channel). Id suggest a GA, there is a larger product selection. Its weird.

I would like one company that I can use to write younger blue collar folks. Decent Par WL down to smaller amounts and a reasonably competitive ROP term. Maybe DI and CI. I won't write enough to justify trying to carry several companies. .

 

[scagnt83]

I would like one company that I can use to write younger blue collar folks. Decent Par WL down to smaller amounts and a reasonably competitive ROP term. Maybe DI and CI. I won't write enough to justify trying to carry several companies. .

Assurity would be your choice then. I think they still have the ROP term. They were also very easy to work with the times I wrote business with them.

Cinci life is a good option that fits that description, minus the DI and CI. I think they still have ROP term as well. Their WL goes to small face amounts but its non-par, still decent CV for the price. I think Wino currently has a contract with them.

 

[WinoBlues]

What @scagnt83 said

On Assurity term = competitive in certain bands on nonmed

 

[Todd King]

Todd works for me!

Just so you know, they do ask for production at the higher levels. Level 60 is street.

 

[scagnt83]

Thanks for posting that Todd. Renewals on Term is always a nice bonus.

 

[LostDollar]

(Caveat, not an agent)

How does this carrier compare for small face single premium policies?