Final Expense Carrier

AIG/American General
Aetna (Accendo)
American Amicable
Americo
Assurant/American Memorial
Guarantee Trust Life
Liberty Bankers Life
Prosperity
Royal Neighbors
 Min/Max Face
$5000-$25000
$2000-$50000* (depends on client age, refer to Agent Guide)
$2500-$35000* (depends on age, refer to Agent Guide)
$2000-$30000 (subject to age, smoking, etc. Refer to underwriting for more details)
$5000-$50000* (subject to age, refer to Agent Guide for more details)
$2500-$20000 50-85 - $2500-$10000 86-90
$3000-$40000
$1500-$35000
$7000-$30000
 Age Limits
50-80
40-89
40-85
50-85 (smokers 50-80)
0-85
50-90
18-80
50-80
50-80
 Payment Options?
EFT, , Direct Express
EFT only
EFT only
EFT only
EFT only
EFT only
EFT only
EFT, Direct Express, (no reloadable debit card allowed - GreenDot, etc)
EFT only
Social Security Deposit Billing? Application Type Telesales Friendly?
Yes e-app or paper No
Yes e-app Yes
Yes e-app or paper Yes
No e-app or v-app Yes
No paper or v-app Yes
No e app with v-app approval Yes
No v-app or e-app with verbal signature Yes
Yes e-app, v-app, or paper Yes
Yes e-app or v-app (can do paper) Yes
 Carrier Overview Video
https://drive.google.com/file/d/1-_4tPALvLc-PXsjKZKO82g8pW5PuLxZ-/view?usp=sharing
https://drive.google.com/file/d/1BJG5A6WdHk01UKvPhXLncIOnVSbTdJkq/view?usp=sharing
https://drive.google.com/file/d/100f3fDChIjqbQYAtCFWpXD-MOmgAtyNc/view?usp=sharing
https://drive.google.com/file/d/1TXe8boUJv7if0uyFEQ7JZRlc0Xwyo0dr/view?usp=sharing
https://drive.google.com/file/d/1Q8zoTh0sJltsqNa8dIBgdY5kKVVDDYak/view?usp=sharing
https://drive.google.com/file/d/1d3bqo4DBLgIRrwXN0dcBKlBDCh_mFEcK/view?usp=sharing
https://drive.google.com/file/d/104Uw2D9P4y3AhnQLX6EHb39YjWTvHQwk/view?usp=sharing
https://drive.google.com/file/d/1ZUvvO_ptVT2-5ghUjirulYKLMjLBlkad/view?usp=sharing
https://drive.google.com/file/d/1h7QdaHeSQGCaqHsh0vsCtKlcvIFLdNja/view?usp=sharing
 How To Complete The Application
https://www-196.aig.com/giwl/
See Agent Guide
https://www.insuranceapplication.com/cgi/webappmobile/api/DocHandler.ashx?file=Generic-Mobile%20Application-FINAL.p
http://davidduford.com/wp-content/uploads/2020/08/Americo-Eapp-and-Vapp-process-Pages-11-and-12.pdf
http://davidduford.com/wp-content/uploads/2020/11/American-Memorial-Assurant-Agent-Guide.pdf
See the video
https://lbig.com/user/pages/precheck/06._precheck-downloads/Final%20Expense%20e-Application%207-23.pdf
https://davidduford.com/wp-content/uploads/2022/06/Agent-Training_New-Vista-Voice-rev08-2020.pdf
Check the agent guide
 How To Complete Application On Video
https://www-196.aig.com/giwl/
https://www.aetnaseniorproducts.com/assets/aqeTool/training/story_html5.html
https://www.insuranceapplication.com/cgi/webappmobile/api/DocHandler.ashx?file=Demo.mp4
https://www.americo.com/ac_docs/webex/eAppTraining.mp4
tba
https://gtlic.zoom.us/rec/share/Jr9zeAg1dTdlf4dU3hS7rUfojE5_nW5s2sjTEtfOcridOK_DSJfNqZekTPhqtpQb.85xf6R1EYu6zUmn
https://lbig.com/precheck
https://drive.google.com/file/d/1JGyd9GYmvTe0L2JaUAuBTxqRQ4a7MSLr/view?usp=sharing
https://drive.google.com/file/d/1sqpudxEbxnHxgvJyP6-7Le1_St738--C/view?usp=sharing
 Agent Guide
https://www-196.aig.com/giwl/
http://davidduford.com/wp-content/uploads/2020/08/aetna-accendo-agent-guide.pdf
https://davidduford.com/wp-content/uploads/2019/10/american-amicable-agent-guide.pdf
http://davidduford.com/wp-content/uploads/2019/10/americo-eagle-premier-final-expense-agent-guide.pdf
https://davidduford.com/wp-content/uploads/2019/10/assurant-american-memorial-final-expense-agent-guide.pdf
https://davidduford.com/wp-content/uploads/2022/06/GTLs-Heritage-Life-Final-Expense-Plan-UW-Guide-Rv-6_2021.pdf
https://davidduford.com/wp-content/uploads/2019/10/liberty-bankers-life-prescription-rx-guide.pdf
https://davidduford.com/wp-content/uploads/2022/06/prosperity-life-final-expense-agent-guide.pdf
https://davidduford.com/wp-content/uploads/2019/10/royal-neighbors-final-expense-agent-guide.pdf
 Link To Start E-App
https://www-115.aig.com/Quote/DisplayQuote?createapp=true
https://www.aetnaseniorproducts.com/ssi/secure/agentSecure/myCompass.html
https://www.insuranceapplication.com/AppPage/index.html
https://sc.americo.com/
n/a
https://eapp.gtlic.com/AgentPortal/QuoteInfo
https://myportal.lbig.com/logon.php
https://web.apptical.com/LiveApp
https://agent.royalneighbors.org/secure/tools/application-submission-tools
 Sample App
https://davidduford.com/wp-content/uploads/2019/10/aig-american-general-final-expense-sample-application.pdf
https://davidduford.com/wp-content/uploads/2020/06/aetna-accendo-final-expense-sample-application.pdf
https://davidduford.com/wp-content/uploads/2019/10/american-amicable-final-expense-sample-application.pdf
http://davidduford.com/wp-content/uploads/2019/10/americo-eagle-premier-final-expense-sample-application-worksheet.p
https://davidduford.com/wp-content/uploads/2019/10/assurant-american-memorial-final-expense-sample-application.pdf
http://davidduford.com/wp-content/uploads/2021/05/ICC21-APPL1-21-Standard-no-brackets.pdf
https://davidduford.com/wp-content/uploads/2022/06/New-Application-Form.pdf
https://davidduford.com/wp-content/uploads/2022/06/a8e22c9221b42a60862128aadc3f7471.pdf
https://davidduford.com/wp-content/uploads/2019/10/royal-neighbors-final-expense-sample-application.pdf
 Rate
https://davidduford.com/wp-content/uploads/2020/06/american-general-aig-final-expense-rate-guide.pdf
https://mobile.aetna.com/ssieappweb/?channel=broker&code=AAL6DFwmhacUTTFF4Z6YNPpjXUCAxvTycEZXhkFYkMCGVqPw
https://davidduford.com/wp-content/uploads/2019/10/american-amicable-final-expense-rate-chart.pdf
http://davidduford.com/wp-content/uploads/2019/10/americo-eagle-premier-final-expense-rate-guide.pdf
https://davidduford.com/wp-content/uploads/2019/10/assurant-american-memorial-rate-guide-final-expense.pdf
http://davidduford.com/wp-content/uploads/2020/08/Heritage-Plan-Life-Basic-Rates_UW-Guide-16D209-1.pdf
https://davidduford.com/wp-content/uploads/2019/10/liberty-bankers-life-final-expense-rate-guide.pdf
https://davidduford.com/wp-content/uploads/2022/06/prosperity-life-final-expense-rate-guide.pdf
https://davidduford.com/wp-content/uploads/2019/10/royal-neighbors-final-expense-rate-guide.pdf
 RX Guide
none
https://davidduford.com/wp-content/uploads/2020/06/Aetna-Accendo-Final-Expense-Drug-List.pdf
https://davidduford.com/wp-content/uploads/2019/10/american-amicable-final-expense-rx-prescription-guide.pdf
http://davidduford.com/wp-content/uploads/2019/10/americo-eagle-premier-prescription-rx-guide.pdf
n/a
none
https://lbig.com/precheck
https://davidduford.com/wp-content/uploads/2022/06/prosperity-life-final-expense-prescription-rx-guide.pdf
https://davidduford.com/wp-content/uploads/2019/10/royal-neighbors-final-expense-rx-prescription-guide.pdf
 Build Chart
none
none
https://davidduford.com/wp-content/uploads/2019/10/american-amicable-final-expense-height-weight-chart.pdf
http://davidduford.com/wp-content/uploads/2019/10/americo-eagle-premier-final-expense-height-weight-chart.pdf
https://davidduford.com/wp-content/uploads/2019/10/assurant-american-memorial-final-expense-height-weight-chart.pdf
none
https://davidduford.com/wp-content/uploads/2019/10/liberty-bankers-life-final-expense-height-weight-build-chart.pdf
https://davidduford.com/wp-content/uploads/2022/06/prosperity-life-final-expense-height-weight-chart.pdf
none
 Suggested Products To Use
Guaranteed Issue, 2-year return of premium upon death
First-Day Full Coverage (Preferred & Standard)
First-Day Full Coverage & a ROP product
1st Day Full Coverage
1st Day Full Coverage
1st year ROP +5%, 2nd year 50% death benefit, 3rd year and beyond = full death benefit
1st Day Full Coverage (Preferred & Standard)
Level (100% 1st day full coverage), Graded (30% 1st year, 70% 2nd year, 3rd year and beyond 100%)
1st Day Full Coverage
Underwriting Support # Home Office City & State Date Started AM Best Rating
1-877-399-7747 New York, New York 1919 A
1-866-272-6630 Brentwood, Tennessee 1853 A
(800) 736-7311 Waco, Texas 1910 A
800.231.0801 Kansas City, Missouri 1946 A
800-621-7162 Rapid City, South Dakota 1892 A
800.338.7452 Glenview, Illinois 1936 A
1-888-525-4467 Dallas, Texas 1958 B++
(866) 380-6413 Newark, New Jersey 1916 A
(800) 627-4762×1, 1 Rock Island, Illinois 1895 A
 Interview Ph

None
EMSI: 1-866-719-2024 EMSI (Spanish Line): 1-866-901-1776 8am-9pm Monday thru Friday CST 10am-2pm Saturdays CST -OR-
Call Americo at 855.248.8327.
Elite Sales Processing (ESP) Personal health interview: 888-842-2266 Dedicated Senior Underwriter: 888-842-5892
None
None
Call to Apptical 1-800-737-6972 Press 1 for Personal Health Interview
Call (866) 281-9228 for the interview. Interviewers are available: • 8 a.m.–9 p.m. Central Time, Monday–Friday • 8 a.m.–3 p.m
 FAX Numbers For Apps

Hours: Monday through Friday, 8:00 a.m. - 5:00 p.m. CT Fax number: 1-866-618-4993

[email protected] Fax: 800.395.9238

AMLIC new business FAX: 605-719-0610
None
None
New Business Fax: (212) 624-0818 / Underwriting Fax: (212) 624-0814
Our fax number is (866) 787-1450 or submitted using agent mobile app.
 Final Expense Carrier AM Best Rating
AIG/American General A
Aetna (Accendo) A
American Amicable A
Americo A
Assurant/American Memorial A
Guarantee Trust Life A
Liberty Bankers Life B++
Prosperity A
Royal Neighbors A