Best Final Expense Company

It will change depending on what your clients health/needs/payment mode are. It is best for an agent to have a few companies that will cover a broad spectrum of health conditions and ages.

And stay away from Lincoln Heritage, Senior Life, Old American, PrimAmerica!
 
I agree with Ben on this. You will come across many different needs when visiting with a potential client. A good mix of solid/reputable carriers that fit in different situations (underwriting and rates) will help you be competitive when in a home. A majority of the top carriers in the FE market are available in most states as well.
 
What is the best Final Expense company out there?

Probably get a different answer from almost every agent. Best is pretty subjective.

For me right now KSKJ is the best for how I run my business. But others will say no to them because of the advance cap and the delivering policies requirement.

If those are concerns then they are not best for that agent.

In times past RNA has been the best for me. After RNA divorced themselves from the FE agents I dated around quite a bit until I found my fit with KSKJ.

If they file for divorce then I will start looking again.
 
I personally find Foresters tight on underwriting. I had tried going back to them on multiple occasions. Cases that get approved with pretty much any other carrier level usually get either graded/modified or declined with Foresters. And then you still need to fax the declined app in anyways. Then they seem to always misplace the app so you need to re-fax. Not worth the aggravation. Not sure what their niche is but always seem to have issues with them. I like working with Oxford and TA.
 
I personally find Foresters tight on underwriting. I had tried going back to them on multiple occasions. Cases that get approved with pretty much any other carrier level usually get either graded/modified or declined with Foresters. And then you still need to fax the declined app in anyways. Then they seem to always misplace the app so you need to re-fax. Not worth the aggravation. Not sure what their niche is but always seem to have issues with them. I like working with Oxford and TA.

I love TA about as much as Petey but to complain about foresters "issues" and then say you like Trans and Oxford???

Cmon?!?
 
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