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I am newly independent, and I am looking for a good simplified whole life for both seniors and the younger crowd as well, they don't ...


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Old 02-12-2009, 04:08 PM   #1
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I am newly independent, and I am looking for a good simplified whole life for both seniors and the younger crowd as well, they don't have to be provided by the same company, I am also looking for a good Supplement and Advantage company, and finaly I am looking for a good fixed annuity company, not to be confused with fixed indexed.

If you guys could point me in the right direction for these particular products I would be greatful.
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Old 02-12-2009, 04:41 PM   #2
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You can go to www.family1stinsurancebrokerage.com and see if you think we have most stuff your looking for we also deal with coventry for MA but that is on hold for now or I personally talk to people about it before contracting. You can mail me if you want to talk more about it. I would say key to starting out is having all the products in place you need ASAP.


Originally Posted by justing View Post
I am newly independent, and I am looking for a good simplified whole life for both seniors and the younger crowd as well, they don't have to be provided by the same company, I am also looking for a good Supplement and Advantage company, and finaly I am looking for a good fixed annuity company, not to be confused with fixed indexed.

If you guys could point me in the right direction for these particular products I would be greatful.

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Old 02-12-2009, 04:49 PM   #3
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Originally Posted by justing View Post
I am newly independent, and I am looking for a good simplified whole life for both seniors and the younger crowd as well, they don't have to be provided by the same company, I am also looking for a good Supplement and Advantage company, and finaly I am looking for a good fixed annuity company, not to be confused with fixed indexed.

If you guys could point me in the right direction for these particular products I would be greatful.

Welcome to the forum. Try using the search function to find the answer to your question.....I hope this helps.
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Old 02-12-2009, 06:26 PM   #4
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Dude - focus on one field - get great at it - make some money - then move into other areas if needed . . .

The Whole Life can be handled by Baltimore Life - underwritten and non-med.

United Home Life has a Simple Issue Term - but please only sell it with ROP . . .

The rest is a pain in the ass to sell - good luck with it tho . . .

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Old 02-12-2009, 06:35 PM   #5
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Welcome to the forum. If I can help you with anything, just let me know or contact me.
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Old 02-13-2009, 12:15 AM   #6
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Assurity Life for simplified whole life.
There are lots of options for fixed annuities.
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Old 02-18-2009, 08:27 PM   #7
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On the fixed annuity side of things, there are a lot of options. It really depends on what length your looking for.

The best 3, 4, and 5 year fixed annuities I've seen lately have been through Bankers, but the commissions are just painful.....

There's a company that is offering a 10 year fixed product right now that has a bonus, and a pretty good fixed rate....but I can't remember the name of the company! (This is going to drive me crazy).

I'll post again when I remember the company.
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Old 02-18-2009, 08:31 PM   #8
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Originally Posted by Vanbret View Post
On the fixed annuity side of things, there are a lot of options. It really depends on what length your looking for.

The best 3, 4, and 5 year fixed annuities I've seen lately have been through Bankers, but the commissions are just painful.....

There's a company that is offering a 10 year fixed product right now that has a bonus, and a pretty good fixed rate....but I can't remember the name of the company! (This is going to drive me crazy).

I'll post again when I remember the company.
Are you referring to Bankers Life and Casualty?
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Old 02-18-2009, 10:27 PM   #9
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If you are doing med sup, you will be pulling your hair out and won't have time to do anything else. Ugh, the thought of selling that makes me cringe. UGH UGH UGH!
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Old 02-18-2009, 10:42 PM   #10
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Originally Posted by nka245 View Post
If you are doing med sup, you will be pulling your hair out and won't have time to do anything else. Ugh, the thought of selling that makes me cringe. UGH UGH UGH!
Either I don't understand your statement or....well, I guess I just don't understand your statement at all! Med supps are some of the easiest things in the world to write. Ask a few questions, send in the app, get paid, good renewals....bing, bang, boom...you're done!
Now if you're talking Medicare Advantage plans, then I'll agree, you'll be pulling your hair out.
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Old 02-19-2009, 12:51 AM   #11
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With med supp the key is to find the right company that is competetive in a certain state/zip code/set of zip codes
Even though that same company may stink in other
Geographic areas. It takes a little research and patience
To determine but then again, what don't.
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Old 02-19-2009, 04:10 AM   #12
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Originally Posted by TRK3031962 View Post
Either I don't understand your statement or....well, I guess I just don't understand your statement at all! Med supps are some of the easiest things in the world to write. Ask a few questions, send in the app, get paid, good renewals....bing, bang, boom...you're done!
Now if you're talking Medicare Advantage plans, then I'll agree, you'll be pulling your hair out.
Yes, I should have elaborated, that is exactly what I am talking about.
- - - - - - - - - - - - - - - - - -
Originally Posted by yabba View Post
With med supp the key is to find the right company that is competetive in a certain state/zip code/set of zip codes
Even though that same company may stink in other
Geographic areas. It takes a little research and patience
To determine but then again, what don't.
Ugh, I just remember making those calls for another agent to go on and it just makes me nauseated thinking about it. The people wanted to save money and have better benefits but they wanted their doctor which was only in one freaking network that was too expensive... nightmares, I tell you, freaking nightmares...
The darn crap you have to go through every year to sell the stuff, too... each company makes you take their long and boring courses... your customers will switch at the drop of a hat. I guess that is what you get with the low income people that can switch whenever, though... okay I am going back to bed now.
Has anyone else done those special low income cases? I know I can not be the only one who finds them repulsive to deal with.

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Last edited by nka245 : 02-19-2009 at 04:15 AM. Reason: Posts merged
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