NAAIP Admin Posted December 11, 2019 Share Posted December 11, 2019 for new agents - the 3 main carriers rna 100 - no height and weight and voice signature - jet term, spwl uhl 102.5 - full suite of products - low rates - seemless eapp - now for 300k aa 105 - for term and ul products - mortgage protection.. easy UL.. lower rates, more db - goes to 300k then americo is 120 - high commissions.. - mortgage protection... for me annuity athene, national life group/ameritas iul transamerica - paper apps/complicated - for unhealthy moo - moo is tough underwriting.. .. has good GUL - ton of products Our Final Expense carriers are: Americo = 120% (E&O Required) Mutual of Omaha = 110% (E&O Required) American Amicable = 105% Royal Neighbors (RNA) = 100% Transamerica = 115% United Home Life (UHL) = 102.5% Quote Link to comment Share on other sites More sharing options...
Guest test Posted January 3, 2020 Share Posted January 3, 2020 The Most Competitive Final Expense… available in NewYork Jan 1, 2020. We believe you will find these premiums Not just a little better… BUT “A WHOLE LOT BETTER” than others! COMPARE the premiums below to ANYONE… EVEN 1! We believe you will find… WHEN you need THE MOST COMPETITIVE FINAL EXPENSE PREMIUMS to WIN SALES $$$. Another great sales idea $! Keep THE SAME premium as your competitor and just give your client MORE LIFE INSURANCE for THE SAME premium! Make your client happy… and YOU $$$! We believe you will find… our ‘Best Kept Secret’ carrier will give you THE BIG ADVANTAGE! G-R-E-A-T rates, normally NO PHI & NO RX check! Premiums 20% TO 30% LOWER than the other “TOP” carriers. The older-the-age or larger-the-face amount THE BIGGER THE PREMIUM DIFFERENCE. And… Issued Non-Med simplified issue $10,000 thru $100,000 (all ages 0-86). And, unlike other carriers, NO COMMISSION REDUCTION THRU AGE 85! You’ve seen the $10,000 comparisons… so now compare $20,000 FACE AMOUNTS. $20,000 Immediate Benefit monthly premium “Non-Cigarette” FEMALE Female Age 65 Transamerica Foresters RNA MOO 2 1 XXL 80.62 78.86 86.61 78.82 95.73 82.96 69.60 Female Age 70 Transamerica Foresters RNA MOO 2 1 XXL 105.73 100.70 108.61 103.28 121.81 104.73 86.70 Female Age 75 Transamerica Foresters RNA MOO 2 1 XXL 143.88 147.00 157.01 141.62 168.31 144.28 109.80 $20,000 Immediate Benefit monthly premium “Non-Cigarette” MALE Male Age 65 Transamerica Foresters RNA MOO 2 1 XXL 110.77 106.47 115.01 108.31 131.13 107.01 82.20 Male Age 70 Transamerica Foresters RNA MOO 2 1 XXL 147.46 138.18 147.01 144.20 178.98 138.10 102.80 Male Age 75 Transamerica Foresters RNA MOO 2 1 XXL 198.80 202.23 218.21 195.85 251.08 189.19 131.90 CIGARETTE SMOKER RATES COST MORE… but MUCH LESS with some! $20,000 Immediate Benefit monthly premium “CIGARETTE SMOKER” FEMALE Female Smoker Age 65 Transamerica Foresters AmAm MOO 2 1 XXL 121.88 126.46 109.56 108.79 143.10 118.02 83.80 Female Smoker Age 75 Transamerica Foresters AmAm MOO 2 1 XXL 206.93 206.50 180.84 194.70 259.05 200.08 122.50 $20,000 Immediate Benefit monthly premium “CIGARETTE SMOKER” MALE Male Smoker Age 65 Transamerica Foresters AmAm MOO 2 1 XXL 175.03 166.64 145.20 154.77 211.53 163.45 101.60 Male Smoker Age 75 Transamerica Foresters AmAm MOO #1 #1 XXL 321.26 318.92 254.76 283.73 463.40 298.72 164.50 $$$! A SPECIAL BONUS FOR SMA AGENTS contracted with this NEW “XXL” carrier … a Special MGA contract with Foresters, Transamerica, MOO, Prosperity Life, ACI, AML, or RNA. Contact Billy G or Vaughn. This personal summary analysis comparison of TOP CARRIERS was based on rate cards we believe to be current as of 12.26.19. Many carriers rates have now increased. We understand MOO is about to announce their new rates. Contact us for full details, rates, commissions, CONTRACTS and underwriting guidelines. This comparison is for agents only and not for consumer use. An agent should always review each carrier’s state approvals, agent & underwriting guides before marketing. Head Coach & Your Biggest Cheerleader Quote Link to comment Share on other sites More sharing options...
NAAIP Admin Posted January 7, 2020 Author Share Posted January 7, 2020 this is a one that says no MLM.. just direct $34 lead for postcards 26.3% closing rate on postcards average 700-800 dollars a sale with 6 carriers..85 percent aa, rna, prosperity for gi and aig also has starts at 105% at core.. and 115% with primary carriers 110 and 120..8,000 in a month three months in a row 115 and 125 15k three months in a row 120 and 130 20k three months in a row aig is 60% average agent sells GI 4% of the time should have 3000 usd to invest in leads 300 dollars for class.. but he can get it for 80 usd. 4 and half weeks for direct mail to come back to you. average agent is spending for 20 leads per weeks - minimum lead order is 15 leads a week. top agents are buying 40 leads per weeks every morning at 9am they have training call... for about half hour advances are 9 months.. 16 hour course to be trained... relationship with builder aged leads from 50cents to 28 usd, facebook leads are 20 usd Quote Link to comment Share on other sites More sharing options...
Recommended Posts