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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%

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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

 

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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

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