What Companies Write Final Expense in NJ?
- Thread starter Gonzozap
- Start date
- 6,142
Here are a few...
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- Thread starter
- #3
- 3,989
PM me, And I'll talk NJ with you.
- 6,994
You're limited on carriers. One of my good agents is in NJ and she writes a bunch of trans. MoO seems to be one of the lower priced carriers, but you have to deal with MoO. Most would say the same about trans though lol!
- Thread starter
- #6
Will soon see I guess. I actually receive mailers from MOO all the time. They underwrite a lot.
- 18,984
Those mailers are for their GI. You won't be selling that.
- Thread starter
- #8
Don't recall what it was. They all went in the trash.
- 15,041
It is their GI. For GI, it is all but unbeatable in pricing. I admit it has been a while since I lasted looked at their rates, but I recall it being 5 year bands. You might find a case here or there that is less, but not often.
The reality is, most people buying it don't need a GI plan. They can qualify for immediate coverage and often at a lower rate with another company. That is why MOO won't allow agents to sell it. Agents would only send the sick people and tank their mortality.
With their massive ad spend it is hard to be sure, but I suspect it is very profitable for them.
- 3,989
I find a whole lot more Lincoln Heritage that I do direct mail Omaha. I wonder if there's any correlation....
