Final expense life insurance
Because the costs for funerals can add to the stress of losing a loved one, Final Expense life insurance may be a good choice to provide financial relief for your client’s family. Crowe and Associates offers agents contracts with several of the top final expense carriers who offer level, graded and guaranteed issue types of plans.
Final expense carriers
Crowe is contracted with top Final Expense carriers in all 50 states. A few of the carriers we offer are: AIG, Foresters, Mutual of Omaha, TransAmerica, Cigna, Baltimore Life, Columbian Life, Royal Neighbors, and Gerber. We offer agents the best rates for all types of FE plans. Plan types include, single pay, level and graded as well as guaranteed issue.
Free quote site
Crowe agents have access to a free web-based quote site. This site can quickly quote and compare final expense plans. Just add in some basic information (state, age and desired benefit amount) and see plan costs and benefits side by side. Additional information: our quote site is powered by FEX Quotes.
Quote all carriers in one place
We give our agents access to a quote site that quotes all final expense plans we offer at no cost. This includes immediate death benefit plans, graded plans and guaranteed issue plans.
Choose the carriers you want to start with
It is usually a good idea to start with a few carriers. The cost of a policy is a good place to begin, however, many plans ask beneficiaries underwriting questions. It is important to consider your client’s health and their ability to pass underwriting. You may want to contract with a well-priced immediate death benefit carrier and a couple well priced GI issue companies.
Take a look at our product guide to see which companies you may want to start with. The product highlight sheet provides plan benefits for several companies that include; maximum face value, commissions and underwriting.
Because many carriers are “same time contracting” you don’t have to wait for your contracting to be processed before you write a policy. Once you submit your first application, the carrier processes your contract.
Many of the carriers we contract with offer starting commissions of 115%. Some carriers offer advance commission payouts for agents with good credit. All our agents receive both new and renewal commission payments directly from the carrier. In other words, our agents own their own book of business. Agents have access to all carrier incentive programs.
Contact our office for a username and password to start quoting today.