Over 150.000 insurance professionals and consumers come to the Insurance Forum every month. Click here to register for FREE

Go Back   Insurance Forum > Insurance Agents and Brokers Forum > Senior Insurance Forum

Reply to Top 3 Final Expense/Guaranteed Issue Carriers     
Old 05-23-2008, 12:19 PM   #1
Expert
 
Join Date: Apr 2008
Posts:42
State: Agent4Life is an Insurance Agent from Undisclosed Location
Top 3 Final Expense/Guaranteed Issue Carriers Top 3 Final Expense/Guaranteed Issue Carriers
Hi Everybody,

For those of you who do a lot of Final Expense/Guaranteed Issue Sales:

1) What are the top 3 Final Expense Carriers ?
2) What are the top 3 Guaranteed Issue Carriers ?
3) Which carriers have issue ages below age 35 ?

I'm still trying to find some carriers with issue ages below age 35. Lately, I've run into a few people in their 20s and 30s who's conditions would disqualify them for anything except a guaranteed issue product - but - I have not been able to find anything out there for these people (outside of a few 10 or 15 PAY Plans which usually made the monthly premiums very unaffordable).

Any suggestions or insight would be greatly appreciated.

------------------------------------
Your Agent for LIFE
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 05-23-2008, 02:50 PM   #2
Guru
Mark on Top 3 Final Expense/Guaranteed Issue Carriers - Insurance Forum
 
Join Date: May 2008
Posts:7,901
State: Mark is an Insurance Agent from Georgia
Send a message via AIM to Mark
Mark is a member of 5000 posts Super VIP club
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
United Home Life goes down to age 25 and upto $50,000 in coverage.


Rosenthal Financial Services, LLC.
------------------------------------
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 07-03-2008, 10:29 AM   #3
Expert
 
Join Date: Jun 2007
Posts:21
State: DanBran is an Insurance Agent from Undisclosed Location
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
I'm looking for GI for 76 female I'll check out your website thanks
------------------------------------
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 09-14-2008, 04:16 PM   #4
Guru
Mark on Top 3 Final Expense/Guaranteed Issue Carriers - Insurance Forum
 
Join Date: May 2008
Posts:7,901
State: Mark is an Insurance Agent from Georgia
Send a message via AIM to Mark
Mark is a member of 5000 posts Super VIP club
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
Originally Posted by DanBran View Post
I'm looking for GI for 76 female I'll check out your website thanks

United Home Life and American Amicable are the best to companies for your clients.


Rosenthal Financial Services, LLC.
or call 877-968-5757 for more info.
------------------------------------
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers

Register Now for FREE!
To sign up for your FREE INSTANT account, please complete the form.

Username:
    Password:   Confirm Password:     E-Mail:   Confirm E-Mail:     
   
Question of the day:   United States of I agree to forum rules 


Old 09-14-2008, 07:58 PM   #5
Guru
 
Join Date: Feb 2008
Posts:1,137
State: myinsurebiz is an Insurance Agent from Kosova
myinsurebiz is a member of 1000 posts VIP club
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
Originally Posted by Markingriffin View Post
United Home Life and American Amicable are the best to companies for your clients.
Can you do voice or digital signatures on the apps?

Tom

------------------------------------
" If you must Hate - Hate the Game and not the Players "

< - - - (912) 225-1271 - - - >
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 09-14-2008, 10:08 PM   #6
Guru
 
Join Date: Sep 2006
Posts:2,116
State: midwestbroker is an Insurance Agent from Kansas
Send a message via ICQ to midwestbroker Send a message via Yahoo to midwestbroker
midwestbroker is a member of 1000 posts VIP club
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
I do not know any company that writes GI for that young of age.

I like Americo. They are based in Kansas City, and most seniors like doing business locally. Granted they will only talk to them over the phone, but many like they idea they are local.

Plus, they have one app for all (full, graded and GI). Rates are middle of the road. No call required at the time of sale.

------------------------------------
Check out Senior Marketing Specialists for a great FMO
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 09-14-2008, 10:27 PM   #7
Guru
 
Join Date: Feb 2008
Posts:1,137
State: myinsurebiz is an Insurance Agent from Kosova
myinsurebiz is a member of 1000 posts VIP club
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
Americo is good. They are actually coming out with a TeleSales app in early 2009 I hear. One little birdie said it may be by November.

Their rates are good. How is the underwriting Michael?

Tom
------------------------------------
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 09-15-2008, 11:03 PM   #8
Guru
 
Join Date: Feb 2008
Posts:1,137
State: myinsurebiz is an Insurance Agent from Kosova
myinsurebiz is a member of 1000 posts VIP club
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
I have a contract with FL - but wasn't aware of that? I know you can do Rapid Decision Term with them online - but not their other products? Their underwriting is tight on their non-med RD.

Their graded and AD&D is paper app I believe. Please check for me and repost - thanks.

My company is open to market for any A or higher rated Whole Life carrier out there if we can do a TeleApp.

Tom

------------------------------------
" If you must Hate - Hate the Game and not the Players "

< - - - (912) 225-1271 - - - >
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 11-23-2008, 09:26 PM   #9
Guru
Mark on Top 3 Final Expense/Guaranteed Issue Carriers - Insurance Forum
 
Join Date: May 2008
Posts:7,901
State: Mark is an Insurance Agent from Georgia
Send a message via AIM to Mark
Mark is a member of 5000 posts Super VIP club
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
United Home LIfe just lowered their rates 20% across the board on the Graded Benefit Product and added a bunch of free riders. They also just raised the commission 5% on this product. To see the commission, it is attached to the contract on my website.

Here is the product guide. http://www.rosenthalfinancialservice...nt%20guide.pdf

They have 1 app with three products on it. The further you make it down that app, the cheaper and better the product becomes. Section one is the graded benefit.You don't have to see the client face to face to use this product. It can be taken through the mail or fax also.

Mark Rosenthal
877-968-5757 or 770-968-5757
markcrosenthal@aol.com
Rosenthal Financial Services, LLC.
------------------------------------

Last edited by Mark; 11-24-2008 at 07:57 PM.
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Old 11-24-2008, 09:30 AM   #10
Super Genius
 
Join Date: May 2008
Posts:80
State: kwimberl is an Insurance Agent from Undisclosed Location
Top 3 Final Expense/Guaranteed Issue Carriers Re: Top 3 Final Expense/Guaranteed Issue Carriers
The UHL product is not true GI.
------------------------------------
  Reply With Quote to Top 3 Final Expense/Guaranteed Issue Carriers
Reply to Top 3 Final Expense/Guaranteed Issue Carriers 

  Insurance Agent Forum > Insurance Forum > Insurance Agents and Brokers Forum > Senior Insurance Forum




Similar Threads with Top 3 Final Expense/Guaranteed Issue Carriers
Thread Thread Starter Forum Replies Last Post
Guaranteed Issue Final Expense slushhhpuppie Final Expense Forum 46 09-11-2013 01:13 PM
Looking for a Guaranteed Issue Final Expense available in NC mom2sean Final Expense Forum 29 05-09-2013 11:49 PM
I need a TRUE Guaranteed Issue Product with LOW Issue Ages Agent4Life Life Insurance Forum 11 10-27-2008 07:29 AM
Guaranteed Issue joshril Insurance Offers 9 10-21-2008 07:04 PM
Guaranteed Issue dandan Senior Insurance Forum 6 09-29-2008 02:33 PM



All times are GMT -5. The time now is 08:30 PM.

Forum enabled with vBulletin®
Copyright ©2000 - 2014, vBulletin Solutions, Inc.


Join the Forum - It's FREE

Share This Page



Weekly Poll

When it comes to technology, my practice is: