Episode Details

The life insurance world is full of noise, but numbers cut through it fast: Transamerica production tied to FE Express is climbing hard, and Steve Bouslog joins us to explain why. We talk real underwriting, real placement tactics, and what’s changed inside Transamerica that’s making agents pay attention again. If you sell final expense life insurance or you’re thinking about getting licensed, this is a practical breakdown of what’s actually working in the field.

We get specific on FE Express underwriting and where it shines, including health profiles that still see day one coverage, plus the simple “don’t waste your time” flags like oxygen use, dialysis, recent multi night hospital stays, and certain heart devices. We also cover the unsexy stuff that makes you money long term: persistency. Social Security billing can draft on the right pay day, Agent Home can surface missed payments early, and one well worded “save face” call can stop a cancellation before it turns into a chargeback.

Then we shift into indexed universal life insurance with Transamerica IUL Express. Steve explains caps and floors, why insurers can build option strategies individuals can’t easily replicate, and why $100,000 can be a sweet spot where cost of insurance improves. We also walk through a juvenile IUL strategy that funds early, can stop payments at 18, and leaves cash value your kids can borrow against later for real life goals. Along the way, we hit the contestability period, why clean apps matter, and how concierge benefits like Everest (moving to Empathy) add real value for families.

*****DISCLAIMER****** 

Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.