Graded Benefit Final Expense

[GreenSky]

50% is street level. Send me an email.

He's joking with you. Street level is somewhere around 105%. You can contact Oxford directly or use a GA. See my prior posts for the guy I use.

However, they won't write anyone on disability, so for your people with bad backs that qualify for Medicare under age 65, you'll have to look elsewhere. Also, they only have one plan - either you qualify or you don't. Have a second choice when you see a prospect.

Rick

 

[senior-advisor-indiana]

Wow, maybe I should ofer 50% I could sit at home all day.

 

[Cenla Agent]

Transamerica is a major player for final expense. That seems to be the main company PPMG recommends.

I think Presidential has good rates for graded benefit, but there are some others out there too.

 

[GreenSky]

Transamerica - High Cost?

Transamerica is a major player for final expense. That seems to be the main company PPMG recommends.

When I was looking into carriers for Final Expense I considered Transamerica. They pay a very high commission, I think 130% was offered to me without any prior production or promises. However, this was reflected in their rates which were not even close to reasonable. Maybe things have changed.

I'm happy knowing that the few policies I write are with a low-cost carrier. I'd be embarrassed if someone said they could get the same thing from another agent at 30% less premium (Transamerica vs. Oxford).

Keep in mind, I'm not active in the Final Expense market and things may have changed.

Rick

 

[senior-advisor-indiana]

When I was looking into carriers for Final Expense I considered Transamerica. They pay a very high commission, I think 130% was offered to me without any prior production or promises. However, this was reflected in their rates which were not even close to reasonable. Maybe things have changed.

I'm happy knowing that the few policies I write are with a low-cost carrier. I'd be embarrassed if someone said they could get the same thing from another agent at 30% less premium (Transamerica vs. Oxford).

Keep in mind, I'm not active in the Final Expense market and things may have changed.

Rick

So I guess this is your answer to your question about offering the life plan with the lowest premiums.

 

[Cenla Agent]

This the website for Oxford? http://www.oxfordlife.com/

 

[DanBran]

This the website for Oxford? Oxford Life ® Let Our Knowledge Be Your Security®.

Thanks for the link

 

[goillini52]

Who has the best rates for a graded benefit on Final Expense? Not gaurantee issue.

Also, Who do you guys use for your regular Final expense. I am thinking of using Monumental? Any bad things about them? THey also have a nice fast start recognition program.

I have a client that is insulin dependent diabetic. Is there a company that would be best for diabetics?

Sorry, but you won't be able to use Monumental...they changed their name to Transamerica Premier Life Insurance Company.


If your client's still alive and kickin', a few companies that are good for insulin dependent diabetics are IOF, KSKJ, LBL, RNA AND SSLIC.

 

[ExProgrammer]

Sorry, but you won't be able to use Monumental...they changed their name to Transamerica Premier Life Insurance Company.

If your client's still alive and kickin', a few companies that are good for insulin dependent diabetics are IOF, KSKJ, LBL, RNA AND SSLIC.

Ah yes, but he asked 9 and a half years ago.

 

[goillini52]

Ah yes, but he asked 9 and a half years ago.

I know, but he probably forgot by now, so I thought I'd remind him.