Hey, I'm Cody with Security Agent here. Agents always ask, who should I be selling? Who's best for final expense? These are the top three final expense companies that I believe and why. These are who we use for our call center. These are who we use for our agency and our agents. Our go-to company is Liberty Bankers Life. I like it because they're just in time. They don't require ENO. They pay on approval within a couple days. They're simple. They also approve a lot of clientele that a lot of other companies may not approve. Also, they've got a telephone interview application. So it's like a 15, 20 minute process, but you don't have to get signatures. You don't have to go back and fax apps. It's just much simpler. If you want to do a larger quantity of business, it simplifies your life and makes it easy to go back and make it easier for you to go back and make it easier for you to go back. Liberty Bankers Life is our go-to option. Our secondary option for those clients that can't get Liberty Bankers Life is Royal Neighbors. Royal Neighbors is one of the more lenient day-one coverage products that we use. And you want to have them in your tool bag because there's clients that aren't always in perfect health. And in the final expense, you'll get more that are in worse health than perfect health. And that's just the way it is. It's final expense insurance. They appoint you quickly. They pay fast. They don't require, you know, we like them. And every contract is different with every IMO agency. You know, they structure them all different. Hours are structured. How they're supposed to be structured. So that you're vested. So that you're paid fairly. So that you haven't advanced. And Royal Neighbors is more lenient when it comes to health. And then we get, we get, sometimes we'll get neuropathy, COPD. There's things that we can get approved. We won't always get approved with other carriers. And so I like them. The third one I like is also great Western. You can add AIG to the mix, but out for this video I'm going to use great Western. Because we use a lot of great Western for our agency. All of our star insurance agents that get 20 free leads every week and they're part of our agency and they get extremely fair comp. They use great Western a lot. Simply because the process is so simple. It's two pages and a bank page. A couple of signatures, it's just in time. You can write it without having a writing number. So you can literally say I want to join the agency and then write it the same day. Don't require, you know, pay on draft. You have to wait till the client pays. That's pretty normal and finally expense though. But they're easy. They're simple. They have three short health questions that almost anyone can answer. No. And so we like using great Western from a simplicity standpoint. These are the top three final expense companies that we like to use and why. We've got others that are phenomenal. But when you're doing final expense, you don't need 200 carriers. You don't need 50. You don't even need 10. I believe that if you keep it simple, it simplifies your sales process. And then because your sales process is simplified, you end up making more sales as a result of only using a few. Find the use these if you want to or find the couple of carriers that you prefer to business with and then use it. Keep it simple. Ask what I believe. It's the kiss method. Keep it simple, stupid. You know what? That's how we live our lives. That's how we run our agency. We believe that it will transition into your business if you do exactly what we're saying. Thanks for watching. Click subscribe. You want to be notified about every video we do. And gain, or this is probably one of the more mellow videos I've done compared to the crazy, enthusiastic self that I am. Thanks for watching. I'm Cody with Scrooge, you're my trick. Check out the website. If you haven't been lead options, we help a lot of agents whether you're with or agency or not. You can still buy leads. Leads is a huge part of your business without leads you're unemployed. Go to SecureHementor.com. Thanks for watching. This is another Final Expense Training video. Quick tips.