Insurance Agent Forum

[jody108]

What is vector? is this the credit rating or is it a credit solely within insurance companies?

[vastersi]

Originally Posted by Newby

There are LOTS of them. Depends on what your definition of best is.

Best for uninsurable people...Presidential Life is guaranteed issue

Best for ease of selling...Americo has Palm and Windows Mobile quote software and easy issue with no phone call needed

Best commissions and renewals...I like Shenandoah and Americo but there are lots of others.

Best for overweight...Motorists and Monumental do not ask height and weight

Best for Smokers...Citizens Security doesn't ask about smoking

Best for Funeral Expense...Forethought pays the funeral home within 48-hours of death (no death certificate needed)

Best for lowest premium for healthy people...Oxford Life, LaFayette Life

Best for the MOST confusing product lineup...Continental Life of Brentwood, TN (what the hell are they thinking with that mess?!!!)

Lots of other good ones out there too.

thanks

[Newby]

Originally Posted by vastersi

thanks

That post is very old and there is a LOT of outdated info on there. Pretty much useless now.

Things seem to change rapidly. New agents trying to figure out which final expense companies to write with should research their upline to make sure they know final expense and have good companies.

There are a LOT of good ones but if all else fails, just make it simple and write Settlers.

[jody108]

Why settlers? do you have to have a wet sign?

.................................................. .............................

Can you fill in the blanks to update your post >>>

Best for uninsurable people... _______________________
Best for ease of selling...________________
Best commissions and renewals...______________________________
Best for overweight..._____________________________________ _
Best for Smokers...___________________________________
Best for Funeral Expense...___________________________________
Best for lowest premium for healthy people...____________________________

Lots of other good ones out there too.

[arnguy]

Originally Posted by jody108

what is vector? is this the credit rating or is it a credit solely within insurance companies?

Vector tracks the outstanding indebtedness of insurance agents who have advanced commissions that have not been earned. It reports those with outstanding balances to insurance companies during the process of agents applying for appointments.

[jody108]

Originally Posted by jody108

why settlers? do you have to have a wet sign?

.................................................. .............................

Can you fill in the blanks to update your post >>>

Best for uninsurable people... _______________________
Best for ease of selling...________________
Best commissions and renewals...______________________________
Best for overweight..._____________________________________ _
Best for Smokers...___________________________________
Best for Funeral Expense...___________________________________
Best for lowest premium for healthy people...____________________________

Lots of other good ones out there too.

Newby?

[Newby]

Originally Posted by jody108

Newby?

My information would be "tainted" now since I recruit FE agents for the following companies: Settlers Life, Oxford Life, Monumental Life, Assurant/American Memorial Life, Assurity, and Colorado Bankers Life.

I think any of those companies are excellent choices. Not all companies fit all situations. All of these companies are the best choice in certain situations.

[scottye7]

I can you in with UHL with 100% commission. Let me know and I will fax you an application. Don't forget your fax number. Plus if an applicant get a policy for $25,000+, the company will give their favorite charitable organization or church 1% which will be $250.00.

Scottye
- - - - - - - - - - - - - - - - - -
I can get you in with UHL, the commission is 100%. Plus they have a feature, if an applicant takes out a policy for $25,000 or more the company will give their favorite charitable organization or church 1% of the face amount. Let me know if you want me to fax you an application.

Scottey
- - - - - - - - - - - - - - - - - -
What is the contact information for President Life, I have been looking for a company that will insure Cancer and HIV. Do you know their commission percentage?

Thanks

Scottye

[Newby]

Originally Posted by scottye7

I can you in with UHL with 100% commission. Let me know and I will fax you an application. Don't forget your fax number. Plus if an applicant get a policy for $25,000+, the company will give their favorite charitable organization or church 1% which will be $250.00.

Scottye
- - - - - - - - - - - - - - - - - -
I can get you in with UHL, the commission is 100%. Plus they have a feature, if an applicant takes out a policy for $25,000 or more the company will give their favorite charitable organization or church 1% of the face amount. Let me know if you want me to fax you an application.

Scottey
- - - - - - - - - - - - - - - - - -
What is the contact information for President Life, I have been looking for a company that will insure Cancer and HIV. Do you know their commission percentage?

Thanks

Scottye

UHL pays much higher than 100% commissions. Mark Rosenthal is an excellent source for that one if anyone is looking for it. He also has Presidential.

[Soonerman]

Bluerhino92, I'm an agent re-entering the field and new to FE. I'd like to speak to you about your method of operation. I've considered your type of selling but not confident about the contacts and/or lead sources. Call me at 954-867-6004 if you get the chance. (Eastern Time Zone)

[jody108]

Presidential is usually 50% ... and you have to have the fist 2 months up front ... hard to sell and doesn't pay much

[cainsurance]

I have a 67 male customer in CA with a pacemaker that he got about 11 months ago. I am looking for a great Final Expense carrier with great prices. Can anyone please help me out. Thank you in advance.

[alexkane03]

I got a great FE company PM me.

[scottye7]

I became appointment with an agent I met. I am getting 100% how is UHL commission?

Thanks

Scottye7
- - - - - - - - - - - - - - - - - -
Burt, when people do not have any choices when it comes to having health conditions, either they pay the 2 months worth of premiums or stay uninsured. I feel 2 month of premiums is not asking for much when a person health is in a poor condition.

How much is the commission for UHL? I met an agent and this is what he offered me. I thought 100% was pretty good. Now you are telling me UHL is paying more. Come on you're got to be kidding.

Thanks

Scottye7

[Markingriffin]

Originally Posted by Newby

UHL pays much higher than 100% commissions. Mark Rosenthal is an excellent source for that one if anyone is looking for it. He also has Presidential.

If I can help anyone, just call me at 877-968-5757 or email me at markcrosenthal@aol.com or visit my website.

I also have a ton of training videos for UHL and selling systems for their products.

[cainsurance]

Originally Posted by alexkane03

I got a great FE company PM me.

What FE company can you recommend me for this situation?

[fze]

So i have seen a couple of people dogging on Linc. Heritage.

I was thinking of selling for them give me the down low.
Has anyone sold for them. Do they really pay daily?

They are offering me 110% contract and the rates I saw in OK where a little higher than Lafayette who I am selling for now.

Is there any final expense companies that give good leads to an agent that can prove his past performances?

Thanks
- - - - - - - - - - - - - - - - - -
So i have seen a couple of people dogging on Linc. Heritage.

I was thinking of selling for them give me the down low.
Has anyone sold for them. Do they really pay daily?

They are offering me 110% contract and the rates I saw in OK where a little higher than Lafayette who I am selling for now.

Is there any final expense companies that give good leads to an agent that can prove his past performances?

Thanks

[theinsuranceman]

Originally Posted by fze

so i have seen a couple of people dogging on Linc. Heritage.

I was thinking of selling for them give me the down low.
Has anyone sold for them. Do they really pay daily?

They are offering me 110% contract and the rates I saw in OK where a little higher than Lafayette who I am selling for now.

Is there any final expense companies that give good leads to an agent that can prove his past performances?

Thanks
- - - - - - - - - - - - - - - - - -
So i have seen a couple of people dogging on Linc. Heritage.

I was thinking of selling for them give me the down low.
Has anyone sold for them. Do they really pay daily?

They are offering me 110% contract and the rates I saw in OK where a little higher than Lafayette who I am selling for now.

Is there any final expense companies that give good leads to an agent that can prove his past performances?

Thanks

Great Co. for agent support! You can call the home office on Sat. and people will be there to answer the phone. Their rates are a little higher than most, but as other Co.'s exit FE Linc. Her. will still be around.

[scottye7]

I was informed that the commissions with UHL are much higher than 100%. Is this due the commission rate my MGA gave me? Please advise.

Thanks

Scottye

PS

I am very interested in your training videos.

[fze]

Originally Posted by jody108

what is vector? is this the credit rating or is it a credit solely within insurance companies?

Vector or vector one is an organization that is suscribed to by carriers so that they can report debit balances similar to a credit report but just because you are vectored does not keep you from going with another carrier nor does it appear on your cbr (credit report) 100 % of the time.

But some companies will go a step more aggressive and get an attorney after you for a vector so call who you owe and set up payments I did credit and collections for 15 years before insurance they can throw a monkey wrench into your credit if they choose to.
- - - - - - - - - - - - - - - - - -
Thanks insurance man that helps