- 31,602
I think you should take American National off the list. No decision at the end of the PHI.
Final Expense Carriers that do phone applications
- Thread starter joe92275
- Start date
Yes, they do.
- 31,602
- 598
Why did you leave Settlers on the list?
- Thread starter
- #25
joe92275
Super Genius
- 165
REVISED AND UPDATED..this is for pure telephone FE companies that can do a phone app, with you and the client not sitting face to face....with a decision at the end of the call:
Royal Neighbors
Liberty Bankers
Equitable
Forresters
American Continental (Aetna)
Oxford Life
Sentinel Security Life
American Memorial
Prosperity Life
Royal Neighbors
Liberty Bankers
Equitable
Forresters
American Continental (Aetna)
Oxford Life
Sentinel Security Life
American Memorial
Prosperity Life
- 4,170
You're supposed to be face-to-face for them
- Thread starter
- #27
joe92275
Super Genius
- 165
Totally not true. I have persnally done 3 apps last week over the phone and they ask "are you in the same location with the applicant?" "No, I am not". "Did you personally view the applicants drivers license or ID" "No I did not as we never met".
I think it depends on your upline....kind of in the same way it matters with Forresters
I think it depends on your upline....kind of in the same way it matters with Forresters
With RNA, it will depend on your upline. With Foresters (only two r's in the name), the upline has to be set up for it in order for their agents to do it. It takes all of about 15 minutes to get that done.
- 2,193
Which carriers allow you to take an app over the phone then will mail the policy and receipt to the client? I'm not as concerned with an instant decision. I wrote one with MOO recently in my State and didn't realize I was supposed to deliver the policy. Luckily the client only lives an hour away. Another agennt told me their compliance department is a real stickler and he's been audited before. When I called my FMO I was told it was state specific. I was told Foresters doesn't require this, only for amendments, etc.
I sell Med Supps by phone in a few states and want to start cross-selling more final expense without having to run all over. All I need would be one GI and maybe two other carrriers.
I sell Med Supps by phone in a few states and want to start cross-selling more final expense without having to run all over. All I need would be one GI and maybe two other carrriers.
When it comes to Mutual's Living Promise as to whether Mutual send the policy to the policyholder or to you, is a matter of the upline. You see, the MGA (top of the line with Mutual), has to pick which way they want it. Once they pick, it's that way for the entire downline with no exception. This is the reason why we have 2 different channels for that.
