Under 50 Whole Life Policies
- Thread starter DarenMC83
- Start date
- 18,989
Trustage and SNL are FE for younger ages. Almost every company has FU whole life for younger ages. I can't think of company that won't contract direct.
- 24,978
What face amounts?
You're going to be going through some type of brokerage with all of the major mutuals unless you're captive. That being said, you can still deal direct and get paid direct. Mass, Guardian, Ameritas, etc. all have great WL policy options.
- Thread starter
- #5
Most like IMO, and we avoid them. Thank u!
- Thread starter
- #6
we usually write 25,000 and under on final expense
- Thread starter
- #7
we are actually talking to SNL tomorrow. Thank u!!
- 24,978
Yeah whole different set of companies than say >$250,000
Just listen to JD then...final expense is his market and he's in KY.
- 18,989
They all like you to go thru an IMO. A layer of protection for the company. And you can usually get a higher commission thru an IMO than direct.
Nothing wrong with having contracts thru an IMO. But I'm not trying to change your mind. If you don't want to deal with an IMO, don't!
Most companies in the space you're looking at will contract direct. AmMem, which is Trustage now, SNL, RNA, AmAm, Trinity, etc.
KSKJ used to contract direct. They may not now?
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