Colonial VS Aflac

I am a life and health insurance agent in Alabama,who has a client,who is a trucking company in Alabama (20 employees), who is looking at long term and short term disability insurance for its employees. They are currently looking at Colonial regarding their long term and short term disability insurance needs. How competitive is Colonial regarding this marketplace and what insurance companies would be best in competing against Colonial? Any help regarding this matter would be appreciated. Thanks.

Colonial doesn't have a true LTD product. At most they have a STD with a 24 month benefit. You might want to look to Unum. Don't know if they would consider a 20 EE case, but it's worth exploring.
 
The best supplemental out there right now is Globe Life/Family Heritage. They used to be Family Heritage Life, but Globe Life bought them last year. They have return of premium on all of their policies, which is incredible for supplemental The prices are on the high side, because ROP products are designed for the insurance company to be able to invest some of that premium, but the prices aren't obnoxiously high like ROP Term Life policies are. ROP products for supplemental insurance are an unbeatable selling advantage. Since Globe took over Family Heritage, they've absolutely blown up. Sales are going through the roof. The agents seem to be a lot more polished as well. The best trained out of all of the supplemental companies.
Talk about aging like fine wine. Globe Life. Phew. Hope you made bank in the early days Mark!
 
Back
Top