Insurance Agent Forum

[CHRISTINASPARKS]

Hi All I Am Looking To Add A Life Insurance Co Under My Belt I Am In Ga Anyone Know Who Is Good...

[Bob_The_Insurance_Guy]

Very difficult answer.

Who is your target market?

Term, Whole Life, Universal Life?

Some of the one's I use are:

Guardian
West Coast Life
Genworth
First Colony

[indaville]

I have been happy with Mutual Trust (MTL).

[somarco]

What is your primary market now?

[sman]

Originally Posted by CHRISTINASPARKS

Hi All I Am Looking To Add A Life Insurance Co Under My Belt I Am In Ga Anyone Know Who Is Good...

If you're going to be competitive, you need more than one carrier. For term insurance, consider all of the following:

Banner Life
West Coast Life
Reliastar Life
Ohio National Life
Genworth
Protective
Lincoln National
Western Reserve
Midland National
American General

In addition to contracting with these carriers, you will want to get very familiar with their underwriting guidelines. Some will be more lenient than others.

If you are talking about final expense, I'm not very familiar with what all is available as I don't fool with final expense coverage.

[bluemarlin08]

I would add Pru for impaired risk and tobacco users, non cigs, and I have found Liberty Life the most competitive for smokers.

[Dave020]

US Financial Life is a good choice for higher risk clients.Dave

[GreenSky]

While this won't tell you which plans have the "best" underwriting for a particular situation, you can see which plans have the best pricing. I use a quote engine called "Compulife". Since I only write a few term plans each year, I find it very important to at least find the lowest price. I can then call the GA and get info on underwriting without being steered by commission.

You can take a look at it at http://www.compulife.com/. Oh yeah, I can run quotes on my pda - very cool.

[CHRISTINASPARKS]

I am working with the senior market and impaired risk.
I am thinking on doing both trem and whole .
Thanks for all the replies

[senior-advisor-indiana]

I'll take some trem.

[CHRISTINASPARKS]

Haha term is that better

[James]

Originally Posted by bluemarlin08

I would add Pru for impaired risk and tobacco users, non cigs, and I have found Liberty Life the most competitive for smokers.

An RBC Company? Do you use their express term product and if so is it as quick as they suggest?

[bluemarlin08]

I just use their regularly UW term, rates are so much lower for smokers than anyone, if you use Compulife you can see.

[senior-advisor-indiana]

Unity was good for smokers but I just heard today they aren't accepting new biz for a while. Have to build thier reserves back up I guess.