11. Within the past 24 months, have you been confined more than twice to a hospital, nursing facility, convalescent care facility, assisted living facility, mental facility or Hospice Care?

12. Within the past 24 months, have you been diagnosed with internal cancer or melanoma; or have you been diagnosed by a member of the medical profession as having more than one occurrence or any metastasis of any cancer in your life time (excluding basal cell or squamous cell skin cancer), or are you currently being treated for cancer or recurrence of cancer?

13. Within the past 24 months, have you: a) been medically diagnosed, treated or taken medication for: angina, chronic hepatitis or hepatitis C, respiratory failure, cystic fibrosis, chronic obstructive pulmonary disease (COPD), pulmonary fibrosis, emphysema or used oxygen to assist breathing? b) been diagnosed as having, been treated for or hospitalized for: heart attack, heart disease, heart or circulatory surgery (including pacemaker, by-pass, heart valve replacement, angioplasty, stent implant), any procedure to improve circulation to the heart or brain, or uncontrolled high blood pressure? c) had a stroke, mini-stroke or transient ischemic attack (TIA)? d) had Hodgkin’s Disease, lymphoma, leukemia, cirrhosis, liver disease or systemic lupus (SLE)? e) had any neuromuscular disease (including, but not limited to, cerebral palsy, multiple sclerosis, grand mal seizures) or Parkinson’s disease? f) had an amputation caused by disease?

14. In the past 10 years, have you been convicted of a felony or are you now on parole or probation?

15. In the last 5 years have you been treated for, or been advised to have treatment for, or used alcohol in excess or any drugs of abuse; or have you been convicted of operating a vehicle while intoxicated or impaired, or had your driver’s license suspended or revoked; or attempted suicide?

16. Have you been declined or postponed for Life or Health insurance in the past 12 months?

17. Have you applied for Life Insurance with any other Insurance companies in the last 2 years?

18. Driver’s License Number:____________________________, and State ______________

19. Are you taking medication for any impairment in section D?

Standard Life And Casualty Final Expense Rate

Below are the rate charts for Standard Life And Casualty in increments of $5000 in coverage. You can download the Per Thousand rate chart to calculate different amounts here.

My Thoughts As An Agent Writing With Standard Life And Casualty

When I was full-time selling final expense between 2011 and 2017, Standard Life And Casualty was one of my preferred carriers to work with, and remains so whenever I work my final expense leads or train my new agents.

Why?

Because Standard Life gets many people issued at rates otherwise unheard of.

And this translates into better persistency, and better long-term renewal-earning opportunity, since more of your business sticks and less agents are able to replace it.

Unlike other final expense carriers, I rarely experienced lapse issues or replacement issues with Standard Life.

The vast majority of the business I write never lapses.

And not having to deal with chasing lapsing policies down is a nice thing =).

All said and done, I highly recommend picking up Standard Life And Casualty, if not for the competitively-priced premium offerings alone, then for the ability write sticky business that lapses less.

Drawbacks Of Standard Life And Casualty Secure Advantage Final Expense

There are very few drawbacks to using Standard Life And Casualty’s final expense product.

In fact, the only tougher issue to deal with is that the height-weight chart is stricter than other carriers.

But that makes sense, considering the company is offering very low premium rates relative to other carriers.

Usually better pricing means tighter underwriting.

Also, Standard Life And Casualty only has the level product available.

Because of this, you’ll need additional carriers to cover your higher risk clients.

You can go here to review the carriers available that would do a good job covering higher-risk prospects.

I do wish they had an e-application process, or a telephonic application process to eliminate the paperwork.

Despite that, Standard Life And Casualty’s paper application for the final expense product is one of the best-designed paper apps I’ve used.

Easy to fill out, and not over the top with the required amount of signatures.

Want To Sell Standard Life And Casualty’s Final Expense Product?

To learn more about contracting, reach out here.

We have access to all sorts of benefits for final expense agents:

• Top contracts for new and experienced agents. David Duford recruits and operates at FMO/IMO levels, giving him buying power to offer commission levels to agents and agencies others cannot match.
• Affordably-priced, high-quality lead programs for direct mail, Facebook, and telemarketing leads. David does not profit from the sale of leads, only referring you to sources with a track record of success.
• An endless supply of top-notch prospecting and sales training at your fingertips.
• Weekly sales training calls with David, ride-along training opportunities with David and his team, and direct phone/text access to David when you have case placement and sales questions (yes, David answers his own phone =).
• Additional training and support for agents interested in cross-selling Medicare Advantage, annuities, or growing their own insurance agency.

Reach out to David by starting here. Talk soon!