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| Company |
AM Rating |
Annualization |
E&O |
Fax Apps* |
Fax Licensing** |
Dual Contracting |
Company Direct |
Commission Pay Cycle |
2 Main Products |
|
| WCL |
A+ |
Yes, 75% |
Yes |
No |
Yes |
Yes, Up to two numbers |
Yes, except underwriting |
Twice per month |
Low cost term; Second to Die |
|
| F&G |
A |
Yes, 75% |
Yes |
No |
Yes |
Yes, subject to admin review |
Yes |
Weekly, ends Friday, paid Monday |
Mortgage & Smoker Rates |
|
| Americo |
A- |
Yes |
Yes |
Yes |
No |
Yes |
Yes |
Daily |
Mortgage & Simplified Issue |
|
| LI |
A+ |
Yes, 75% |
No |
Yes, prefer originals |
Yes |
Yes, subject to admin review |
Yes |
Twice per month |
Mortgage & UL to Age 100 |
|
| AG |
A+ |
Yes, 75% |
No, only BGA |
Yes |
Yes |
Yes, subject to admin review |
Yes |
Twice per month |
High Face Amount Term & UL to Age 100 |
|
| USF |
A |
No |
No |
No, originals only |
Yes, followed by originals |
Yes, up to two numbers |
No |
1st & 15th of each month |
Excellent substandard underwriting on Term and UL |
|
|
WCL
Faxed Appointment Applications: Do not need to be followed by originals.
Dual Contracting: More than two numbers, Agent must indicate chosen number to terminate.
|
|
F&G
E&O: Three states only (KS, AL, MS)
Faxed Appointment Applications: Do not need to be followed by oringinals.
|
|
Life Investors
Dual Contracting: If agent's is with LI under another upline, Agent must not write business
for 4 months, then agent termination with upline, before applying with new upline.
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