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I don't know anything about this new Combined product or the pricing. But I do know they are spamming the hell out it.I never wrote much LBL and it was for the reason you cite: Their prices were higher than many of the other companies I could write.
However, LBL has a special place in my heart. I've not had many contestable claims, but I had three with LBL, and all three were for $25K which I believe was the max for the product when I wrote them. In all three cases the policy was for the benefit of a loved one who was particularly vulnerable financially. While it did take LBL 3 to 6 months in each case finally to pay out the death benefit, to their credit, they paid out each of the three.
I pulled my NIPR PDB report this afternoon and as it turns out, LBL did term me for lack of production, though it looks like I'm still active with the Home Service division.
Polish Falcons is headquartered in PA. I'll look into them. Thanks for the suggestion, JD!
I just checked and Rob Koob did send me updated paper apps to reflect the change to American Benefit Life. Having an E-app for the home service product is a great upgrade!
I just saw today that Combined Insurance has a new FE product called Generational Life. I don't know anything about it other than it exists. Allegedly they have opend the product to independent agents.