Phone
404-233-3544
Schedule an
Overview Call
agent@familylifeinsurancegroup.com
STILL NOT AN UNDERWRTING FIT ?
Next Step
NOT AN UNDERWRTING FIT ?
Aflac is our go-to carrier because they hit the sweet spot with strong underwriting that qualifies a wide range of health conditions for their preferred level product, combined with pricing that’s often the lowest on the calculator.
They automatically adjust the policy face amount to match quoted premiums for other-than-applied for decisions without amendments or reopening the application, reducing the need to pivot to other carriers.
Will disclose the medical reason to the agent for policy declines or other-than-applied for offers making it easier to identify other potential fits.
Six-digit passcode signature by text (available in all states except TX, MD, and VA) simplifies the application process and reduces friction for seniors compared to traditional e-signature methods. Text signature is still available in all states for Accendo.
Strong household brand recognition that creates immediate trust and confidence with clients.
Height and weight are not underwriting considerations
Provides a declinable drug list you can actually use on the call. Most carriers today don’t provide this level of underwriting clarity, so this helps you make faster, more accurate decisions before you submit.
Before quoting, you must evaluate the lead's health using the “Health Assessment” page of the FLIG Calculator to determine the appropriate starting point. This guide then provides a clear path to follow on every call, along with underwriting insight to help you make faster, more accurate decisions. The goal is simple—maximize approvals, maintain momentum, and close the best available option.
Final Expense Carrier Strategy
This page outlines the FLIG carrier strategy and the reasoning behind it. Each carrier plays a specific role within the system, allowing you to move from best-case pricing to guaranteed approval without losing the client.
Transamerica is your next move when Aflac isn't an underwriting fit. They’re more flexible on higher-risk health cases like congestive heart failure, kidney dialysis, diabetic neuropathy, and asthma, giving you another shot at getting the client approved for a level product at a higher price that reflects the higher risk.
Includes Everest Funeral Concierge services, offering 24/7 advisor support and online tools to assist families with funeral planning and arrangements.
Transamerica underwriting uses a broader health scoring model that factors in comorbidities, which can make underwriting outcomes less predictable. Specific medical reasons for declines are not provided, so you don't gain information that can assist with your next move.
Six-digit passcode signature by text (available in all states that simplifies the application process and reduces friction for seniors compared to traditional e-signature methods.
ACH, Direct Express, debit and credit card payments allowed. No prepaid cards (Chime, Cashapp, Netspend even if routing and account numbers are available).
Gerber Life - Guaranteed Issue is the next move if Alac and Transamerica don't fit.
No medical underwriting. The payout in year 1 and 2 is a return of premiums paid plus 10% interest.
Age 50 - 80. No health questions to answer.
Signature by text or email.
ACH, debit and credit card payments allowed. including prepaid cards (Chime, Cashapp, Netspend). Non ACH payment premiums are 10% higher than payments setup with bank accounts.
IF Health Evaluation = LEVEL
Next Step
Final Option
Available for ages 18 - 85. This is one of the widest age ranges among all FE carriers.
Aflac is available for ages 45 - 80. Combine with sister carrier Accendo to extend the age range from 40 to 89. The underwriting is the same for both, and the portal design is identical. They are both under the Aetna umbrella.
More From FLIG
