Life Carrier Information
We offer many dynamic companies which are listed here. For a complete listing of carrier you can contract with please view our Contracting Forms section. Most companies have conventions and contests for producers and writing agents. Most of them can be viewed below.
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Foresters is a fraternal benefit society with over a 100 year history of caring for their members. The “A” rated company offers very competitive term products with return of premium as well as the "BIG UL" product which provides 2 times the face amount for up to 15 years. They offer a non-medical product up to $250,000 and a fully underwritten products above $250,000. They also offer accident and illness options as well as extended family protection. We feel the combination of Foresters financial strength, history of charitable giving, and numerous other benefits makes them an outstanding addition here at CIA. This carriers requires E&O insurance.
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American General is strong in the life market and is still known as one of the top insurance carriers out there even though the AIG name has become tabu. American General has done extensive re-branding to show they are truly different and strong in this everchanging marketplace. We are getting policies issued quickly and they continue to offer excellent cheap term rates for HEALTHY clients. They also have strong annuity and UL products. We scan directly to the home office and are able to get your policies issued quickly as long as the application is clean.
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Genworth has a new product called the Colony Term UL. they also have a new Life Quick Request form for quoting your clients. It can:
- Reduce cycle times
- Improve case placements
- Decrease APSs
Click on http://www.genworth.com/content/genworth/genworth/Life_Quick_Request_New/home.html for more information or you can click on https://pro.genworth.com/efasterm/EFastServlet?hdnComp=304JC to run an actual quote. This will greatly reduce the time spent on filling out an application and running quotes for your clients.
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United Home Life Insurance Company is a rapidly growing company owned by the largest farm bureau in the United States specializing in impaired risk cases with a virtually guaranteed issue product. United Home Life is a good addition for all agents. Great for those hard to place cases! These products pay a bit less.
Stonebridge, Fidelity, and Foresters have some of the best mortgage products on the market. They have high non-medical limits and are issuing policies in 5 to 7 days and also include Return of Premium and Disability Income Riders. Fidelity and Assuirty Life also offer great non-medical products for clients who prefer that type of coverage.
Assurity Life and Mutual of Omaha do offer stand alone DI policies. Check our contracting section for paperwork and information on how to get appointed.
United Home Life is our chosen "high risk" carrier. They also have good rates for Whole Life policies on the older clients and they do offer advance commissions.
