carrier feed back

[zamora5555]

anyone that has experience with
>Pacific Life
>Prudential
>Lincoln Financial
>Protective
>One America
>The Baltimore Life
can you share pros and cons on these carriers ,
price, Underwriting, Exam free underwriting?, COMP, advances cap per policy, etc..
any recommendations ??

 

[Tahoe Ray]

anyone that has experience with
>Pacific Life
>Prudential
>Lincoln Financial
>Protective
>One America
>The Baltimore Life
can you share pros and cons on these carriers ,
price, Underwriting, Exam free underwriting?, COMP, advances cap per policy, etc..
any recommendations ??

Do you have an upline?

 

[zamora5555]

Do you have an upline?

Yes but I’m Trying to get some feed back before I contract

 

[Tahoe Ray]

Yes but I’m Trying to get some feed back before I contract

I wouldn't contract with any carrier until I had a case for them.

It's a waste of time.

Find a client and explain it to your upline. Ask for the top 2 or 3 carriers for that case. Make them do all the work.

That's what they are there for.

 

[Allen Trent]

anyone that has experience with
>Pacific Life
>Prudential
>Lincoln Financial
>Protective
>One America
>The Baltimore Life
can you share pros and cons on these carriers ,
price, Underwriting, Exam free underwriting?, COMP, advances cap per policy, etc..
any recommendations ??

Pros-- each of them are good on some of those items
Cons- each of them are not the best on some of those items

the more out of line better they are on 1 of the items increases the chances they are not the best on another item

 

[rmhaire]

Pros-- each of them are good on some of those items
Cons- each of them are not the best on some of those items

the more out of line better they are on 1 of the items increases the chances they are not the best on another item

Why can't you guys pick some good companies?

 

[zamora5555]

Which ones are the good companies in your opinion or your experience?

 

[Allen Trent]

Which ones are the good companies in your opinion or your experience?

My experience is almost entirely with 1 single IUL carrier, so my opinion is that I shouldn't be giving an opinion based on my experience

 

[Lloyds of Lubbock]

Will carriers even contract you without a submission?
What type of business are you looking to do?
Are you experienced?
You listed some decent companies...Baltimore life never heard of them
Each company has different strengths.
A company like One America has great asset based LTC.
With a bit more definition, somebody may be able to give you some valuable info.

 

[The Ringo Kid]

anyone that has experience with
>Pacific Life
>Prudential
>Lincoln Financial
>Protective
>One America
>The Baltimore Life
can you share pros and cons on these carriers ,
price, Underwriting, Exam free underwriting?, COMP, advances cap per policy, etc..
any recommendations ??

As I review your list, the one common theme with each carrier you listed is they all have some type of LTC/Chronic Illness rider on their life insurance that is attractive, depending on the client situation.

Although Balt Life is B++, I know of one big hitter who won't consider anything else for that Life/LTC hybrid play, or for converting IRA money to Poor Man's Roth (or is it Backdoor Roth) to non-taxed using a 10-year SPIA.

I'm becoming more intrigued by PacLife on the annuity side and have had some detailed conversations with them over the past couple of weeks.

Please be aware that LOTS of IMOs have PacLife Promise term but that does not have the same conversion privilege as the PacLife career channel term.

Lastly, if you don't want to go through your IMO, call carriers directly and speak to the wholesaler or their internal for your region.