Which Carriers Pick from List

[WinoBlues]

Thank you! I failed to mention the list I provided is all I get to pick from :/

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So, you're with a captive IMO?.............

American Continental has no height/weight chart either. You're missing out on some good companies.

Kinda independent. Independent lite.

 

[HoosierDaddy]

I want to fill my tool bag with carriers that would provide me with the tools necessary to to help anyone I come across with good carriers that have a low chance of being replaced. Many people here deal with a TON of carriers and I would sincerely appreciate your feedback. Yes I have my up-line as support. I am just one of those who would rather hear from more than one person. What carriers would you add to my current mix and why? The carriers offered by my IMO: Columbian Life - The primary. I already have. 5 Star - I have Trinity - I have Settlers - I have NGL - I have Motorists Life Transamerica / Monutmental Occidental (interested in the ROP term) Kemper Thank you in advance for your feedback.

I have yet to hear of a good situation when an agent uses Columbian because that's what the IMO wants. Attention all agents: if you are in an organization that pushes Columbian, RUN! Anything else you chose will be better than where you are at.

 

[rousemark]

I have yet to hear of a good situation when an agent uses Columbian because that's what the IMO wants. Attention all agents: if you are in an organization that pushes Columbian, RUN! Anything else you chose will be better than where you are at.

I have Columbian and I agree. It certainly is not a GO TO company for FE.

 

[Rearden]

I have yet to hear of a good situation when an agent uses Columbian because that's what the IMO wants. Attention all agents: if you are in an organization that pushes Columbian, RUN! Anything else you chose will be better than where you are at.

The only reason to sell Columbian is for the renewal outlay, which is among the best in the business (assuming your higher-priced business sticks on the books).

 

[rousemark]

The only reason to sell Columbian is for the renewal outlay, which is among the best in the business (assuming your higher-priced business sticks on the books).

GI down to 25... MDO (if you want to go that route).. Decent SI Term to 100K.. WL with very high Paid Up Insurance Ratio. Their FE product? Not so much.

 

[jdeasy]

The only reason to sell Columbian is for the renewal outlay, which is among the best in the business (assuming your higher-priced business sticks on the books).

I'm not going to share what doco told me in private but the renewals are certainly different in his case.

 

[Rearden]

I'm not going to share what doco told me in private but the renewals are certainly different in his case.

Yep, that's the strategy -- plenty of IMOs that drop the Columbian renewals into the 5% space.

 

[jdeasy]

Yep, that's the strategy -- plenty of IMOs that drop the Columbian renewals into the 5% space.

Again, not in his case.

 

[WinoBlues]

Again, not in his case.

Hope he (IMO) at least gives him a reach around.

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Yes I have my up-line as support. ..........

Does he know you know about this forum?

 

[Rearden]

...Especially when street level renewals 2-5 with no prior proof of production is 12%, directly contracted to the carrier...