Looking for HI, DI opinions

[Ashmeade]

Hello all,

Looking at a couple of ancillary products to offer to my U65 and Medicare crowd. I've been considering Hospital Indemnity for my MAPD clients and Disability income/LTC options.

Does anyone have any recommendations for insurers? Also, have you had any problems with disbursements? Many people in my area are wary of these types of plans due to the bad reputation given to them by similar products (without reputable backing).

Thanks all!

 

[Tahoe Ray]

Hello all,

Looking at a couple of ancillary products to offer to my U65 and Medicare crowd. I've been considering Hospital Indemnity for my MAPD clients and Disability income/LTC options.

Does anyone have any recommendations for insurers? Also, have you had any problems with disbursements? Many people in my area are wary of these types of plans due to the bad reputation given to them by similar products (without reputable backing).

Thanks all!

I can answer the DI question. Here are your main players:

• Ameritas
• Assurity
• Fidelity Security
• Guardian
• Illinois Mutual
• Lloyd's of London (Petersen and others)
• MassMutual
• Mutual of Omaha
• New York Life
• Northwestern
• Principal
• Standard
• State Farm
• Thrivent

Your choice of carriers will vary by the states you work in, the kinds of occupations that most of your clients have, their income, and their health.