The Best Final Expense Carriers To Work With Or vice-versa.Ĭonsider picking one of these final expense insurance companies if you cannot otherwise select a best all-around or niche carrier. These are final expense companies worth considering, but aren’t necessarily “best in class.”įor example, they may be easy to use but have higher than normal premiums. Using these niche final expense companies, you’ll write more business at competitive rates and with better underwriting.Įvery final expense agent needs to carry a no-questions asked guaranteed issue product.Īpproximately 10% to 20% of your book of business has health issues so severe they cannot qualify for anything other than a guaranteed issue final expense company. These final expense carriers typically compliment your core carrier in covering health conditions your best all-around company doesn’t.Ĭarrying at least one company from these carriers is a must as an independent agent. While these products have tighter underwriting, the premiums are low enough to use them when you need the lowest premiums possible.įor example, these final expense carriers are best used with healthy final expense prospects, or if replacing inferior coverage. Therefore, seriously consider making one of these final expense life insurance carriers your “go-to” company when at all possible. These companies represent the best final expense insurance companies to sell for in terms of underwriting flexibility, ease-of-use, and premium competitiveness.
More info below… The Best Final Expense Carriers To Work With Best All-Around
Specifically, there are 5 main categories: That’s why I organized these 20 final expense companies in terms of their strengths and qualities.
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