Best Carriers for FE Over the Phone

[Teleguru]

I am looking for another carrier to sell FE over the phone. I currently use Liberty Bankers and Baltimore Life. I like carriers that offer a no application process and will give a decision on the phone. Does anyone know of any other carriers that fit that description?

Thanks!

 

[gymguy]

a no application process. i dont think any carrier would issue a policy without some kind of application

i think you just mispoke. Foresters and americo are two you are missing.

 

[rousemark]

I am looking for another carrier to sell FE over the phone. I currently use Liberty Bankers and Baltimore Life. I like carriers that offer a no application process and will give a decision on the phone. Does anyone know of any other carriers that fit that description?

Thanks!

Equitable Life and Casualty has a no application process over the phone. You do a three way call with the POS folks.. Immediate decision with policy number given at the end of the interview if approved. Nice folks to do business with.. Betterr rates than Balt and LBL at most ages. Also use the same process for their Medicare Supp.

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a no application process. i dont think any carrier would issue a policy without some kind of application

i think you just mispoke. Foresters and americo are two you are missing.

No, he didn't misspeak.. There are companies that do not require any form of paper or e-application. They record the applicant's answers and use a recorded "signature."

 

[gymguy]

Equitable Life and Casualty has a no application process over the phone. You do a three way call with the POS folks.. Immediate decision with policy number given at the end of the interview if approved. Nice folks to do business with.. Betterr rates than Balt and LBL at most ages. Also use the same process for their Medicare Supp.

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No, he didn't misspeak.. There are companies that do not require any form of paper or e-application. They record the applicant's answers and use a recorded "signature."

that is still an application. americo for example, you dont sumbit anything and its all done via voice but that is still an application

 

[TwiLight]

Standard Life and Accident also does their Life and WL products over the phone....Uses the same company as BL to process over the phone.

 

[rousemark]

that is still an application. americo for example, you dont sumbit anything and its all done via voice but that is still an application

Yes, but the agent doesn't have to fool with completing an application. Since the agent doesn't have to complete it, it is often spoken of as a "no application" process. A lot of companies do a POS but then you still have to fax a completed application or complete an e-app .

 

[Jerard]

I've heard American Memorial does good phone. Errr....does a phone app.

 

[Gooner]

that is still an application. americo for example, you dont sumbit anything and its all done via voice but that is still an application

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Annnnnd....you're welcome!

 

[Teleguru]

LOL! I meant no paper application and no recording to submit. Thanks for the feedback. I will take a look at Equitable and Forresters. Not a big fan of Americo underwriting.

 

[goillini52]

What about Senior Life? I hear lots of good things about them!