Top 3-5 Go-to Carriers for New Agent

[Rearden]

...you have to follow the train of disorganized thought.

 

[wln417]

Good one, HoosierLife.

I'm trying to follow the advice of getting one main carrier and adding as needed. Can either MOO or UHL fill that bill?

 

[Newby]

How come no one ever mentions MOO? Isn't Living Promise a good product? I suspect it's because it's for the healthier among us and the leads you get from E-64, et al, are not in that group. True or false? And what is wrong with UHL/UFFL? I ask because I haven't sold FE but am contracted with these companies. Should I try to sell them, or find better companies? From my readings on here, Aetna seems like a good one but isn't available in CA.

MOO has two things that make them unpopular for FE agents.

1. Unpredictable underwriting coupled with no POS interview. If you are not going to allow POS interviews you need to approve most applications and not be unpredictable.

2. They sell products direct to consumer and compete against their own agents. It wouldn't be quite as bad if they allowed agents to sell all their products but they don't. Most companies respect their agents enough to not compete against them.

 

[Rearden]

Good one, HoosierLife.

I'm trying to follow the advice of getting one main carrier and adding as needed. Can either MOO or UHL fill that bill?

The best carriers for agents new to final expense should have very short applications (3-5 pages), minimal signature requirements, decently competitive in pricing, cover most health issues generally well, and are easy to deal with when issues arise (incomplete applications, post-sale administrative issues).

For me, the following carriers fit that bill the best:

1) Security National
2) Family Benefit/Trinity Life
3) United Heritage
4) Standard Life

These carriers overall make the lives of final expense agents much easier compared to a lot of other carriers that continually through obstacles in the way of getting paid.

 

[John Galt]

The best carriers for agents new to final expense should have very short applications (3-5 pages), minimal signature requirements, decently competitive in pricing, cover most health issues generally well, and are easy to deal with when issues arise (incomplete applications, post-sale administrative issues).

For me, the following carriers fit that bill the best:

1) Security National
2) Family Benefit/Trinity Life
3) United Heritage
4) Standard Life

These carriers overall make the lives of final expense agents much easier compared to a lot of other carriers that continually through obstacles in the way of getting paid.

If add aetna to round out a number 5 and throw in gerber if they dont qualify for snl rop, other than that i agree 100% with your lineup.

 

[HoosierLife]

Good one, HoosierLife. I'm trying to follow the advice of getting one main carrier and adding as needed. Can either MOO or UHL fill that bill?

I don't write either of them. I know the YIG boys Trans as their go to and MOO as their back up for insulin.

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In my bag are:

FBL
SNL ROP
Trans
Aetna
Kskj
Gerber
Grange (not for long)

I think I'm going to add Great Western. It will replace Grange and Gerber.

 

[GoPokes]

Did Lincoln Heritage make the list?

 

[Dweezil]

Did Lincoln Heritage make the list?

I think LH makes the list of "most replaced".

 

[mmike160]

I think LH makes the list of "most replaced".

Add AARP and AAA to the "most replaced" list too..

 

[indiana260]

But they have an MBA from Ball State!

Ball State is my

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Ball State is my

Hey, I went to ball state. I was never actually enrolled in any classes. Just stayed Thursday to Monday and most times at different "friends" houses.

Good times pony about half an hour from my house