Insurance toolkits

You'll use Insurance Toolkits (Username: mley1014@gmail.com Password: Insurance2025). You can enter your clients information and it will tell you which carrier to use.

After toolkits, always run Americo first to see if they match the price of the carrier suggested by toolkits. Americo is the best product and save the clients information so if they're denied you can use it in additional apps. If the price is too high, you can move on based on the suggestion from toolkits.

1. Americo - lowest rate for client, pays beneficiaries the fastest, easiest E-app, instant decision

2. Corebridge SIWL - Instant decision, more lenient with health, next lowest rate, ACH/debit/credit

3. TransAmerica Express - Super lenient with health, instant decision, highest FEX comp, ACH/debit/credit

   (How to run a TransAmerica Application)

4. Chubb - Instant decision, lenient with health, lower comp, accept ACH/debit/credit

5. American Amicable - Older interface, delayed decisions, decent comp

6. TransIGO/Mutual of Omaha - IGO is fast decision, lower comp than trans express.

   MOO has competitive rates, unpredictable underwriting

7. Chubb Graded - Lowest comp rate of graded carriers, best client price of graded

   carriers

8. Instabrain GI - 3 year waiting period (not ideal for client), pays out highest comp of

   graded products (100%)

9. Corebridge GIWL - 2 year waiting period, decent rates