Carrier Advice?..........

[Labesky]

FE is maybe 10-15% of my business but important! It makes me a one stop shop

I WAS using

SNL for anyone that qualified for Preferred

TA if they had COPD and Diabetes

Gerber--for those that cant get either

I was termed by TA for non-production. I dont read such rosy things about SNL here any more and TA was such a goat roping to get anything done Im glad to be rid of them

So suggestions for the "Main" carrier and "Plan B" Carrier?

 

[jdeasy]

FE is maybe 10-15% of my business but important! It makes me a one stop shop

I WAS using

SNL for anyone that qualified for Preferred

TA if they had COPD and Diabetes

Gerber--for those that cant get either

I was termed by TA for non-production. I dont read such rosy things about SNL here any more and TA was such a goat roping to get anything done Im glad to be rid of them

So suggestions for the "Main" carrier and "Plan B" Carrier?

What state?...................................................

 

[Labesky]

Ks/mo,,,,,,,,,,,,,,,,,,,

 

[jdeasy]

Ks/mo,,,,,,,,,,,,,,,,,,,

Kansas has KSKJ, Trinity, LBL.

Mo has FBL, {Trinity}, and LBL

Plus many others in both states. KSKJ and LBL are level for COPD.

You were using 2 really bad companies for insulin diabetes. SNL has some good places, that's not one of them.

But you might want to pick Trans back up for your COPD DE payers.

 

[Labesky]

Good God if you dont do FE all the time---the players CHANGE!

If TA still has the 1000000000000000 page app--rather not

 

[BibH]

I stopped using Trans as much as they nailed me with that bs mib plan b but damm i run into a ton of Direct express and hard to beat all the crap they'll issue. I bet 1 out of 50 i've ever written came back other than applied. Sometimes you got to dance with the devil.

 

[FinalExpenseDojo.com]

Since you aren't doing a ton of business & it isn't your main focus I think getting cases approved on the spot with a paperless process would be golden for you.

Royal Neighbors of America, Liberty Bankers Life, & AIG would be perfect for you. RNA has the loosest underwriting in the biz. LBL for COPD & Direct Express. AIG for GI since it pays 20% more than Gerber & has a better e-app.

 

[BibH]

Rna takes way to long on the app process . I've done a few Lbl and again they also take way to long from start to finish and they get way off app asking questions .Lbl's copd rates 3-5% more than Trans plus they don't draft social security dates correctly. Aig's Gi has a 25% chargeback in the first 6 months ? I have a deal were were the imo pays me 15 % on Gerber every 6 months so I'm at 75%. Chargebacks take Aigs real comp down to 65-70%.

 

[jdeasy]

Since you aren't doing a ton of business & it isn't your main focus I think getting cases approved on the spot with a paperless process would be golden for you.

Royal Neighbors of America, Liberty Bankers Life, & AIG would be perfect for you. RNA has the loosest underwriting in the biz. LBL for COPD & Direct Express. AIG for GI since it pays 20% more than Gerber & has a better e-app.

RNA in no way has easiest underwriting in the business. I say you post that before and just dismissed it as more hyperbole. But you are a "regional director" now.

You shouldn't be posting opinion as fact.

And just because a company is easy for an agent to write doesn't mean they are a good deal for the clients.

If one agent is not going to put them in the best place then another agent will.

----------

Rna takes way to long on the app process . I've done a few Lbl and again they also take way to long from start to finish and they get way off app asking questions .Lbl's copd rates 3-5% more than Trans plus they don't draft social security dates correctly. Aig's Gi has a 25% chargeback in the first 6 months ? I have a deal were were the imo pays me 15 % on Gerber every 6 months so I'm at 75%. Chargebacks take Aigs real comp down to 65-70%.

Yeah, yeah, yeah!! But you're not recruiting. Marketers see through a different lens.

 

[KRobby]

RNA in no way has easiest underwriting in the business. I say you post that before and just dismissed it as more hyperbole. But you are a "regional director" now.

You shouldn't be posting opinion as fact.

Who has the facts on ease of underwriting, suppose I'd be interested in this information as well.