Pekin Life Insurance Agent Contracting

Pekin Life gives final expense agents access to real underwriters. Independent agents can request Pekin Life contracting for whole life through Agent First.

Pekin Life is a carrier that many experienced final expense agents keep available because it offers something that is becoming increasingly rare in the industry — access to real underwriters and actual underwriting conversations. While Pekin is not an instant-decision carrier, many agents view that as an advantage rather than a drawback in the right situations.

Agents contracting through Agent First Contracts receive a direct contract with Pekin Life Insurance Company. Agents are paid directly by the carrier and maintain direct access to their business.

Why Agents Choose Pekin Life

Most final expense carriers today rely heavily on automated underwriting systems that make immediate decisions based entirely on preset rules. Pekin takes a different approach. Applications are reviewed through a more traditional underwriting process, giving agents opportunities to communicate directly with underwriting when necessary.

For experienced agents, this can create opportunities that automated systems sometimes miss. When a case falls into a gray area, having an actual underwriter review the application can make a meaningful difference.

Pekin also offers competitive pricing in many situations, making it a valuable carrier when agents need another option to help win business.

• Direct carrier contract
• Paid directly by the carrier
• Competitive commission opportunities
• Access to real underwriters
• Human underwriting review
• Competitive pricing in many situations
• Simplified issue products
• Strong placement opportunities
• Valuable carrier for experienced agents

Products That Help Agents Win More Business

Pekin offers several products designed for the senior market, including final expense and simplified issue life insurance options. What makes Pekin particularly valuable is that they have a few unique products that can help agents win business in situations where more common products may not fit the client's needs as well.

Many agents appreciate having these additional product options available because they create more opportunities to tailor coverage to the client rather than forcing every client into the same solution.

The Advantage of Real Underwriting

One of Pekin's biggest strengths is the ability to work with actual underwriters. While the process may not always be as fast as instant-decision carriers, it can create placement opportunities when a client's situation deserves additional review.

For agents who understand underwriting and know how to present a case properly, this can be a significant advantage. Not every client fits neatly into an automated underwriting system, and Pekin provides another avenue for those situations.

Many experienced agents view Pekin as a valuable complement to their instant-decision carriers because it provides another path to getting business placed.

Who Pekin Life Is Best For

Pekin Life is a strong fit for agents who:

• Want access to real underwriters
• Need additional placement opportunities
• Work more complex health situations
• Value underwriting flexibility
• Want competitive pricing options
• Need another carrier to help win business
• Write final expense consistently

Agents who understand how to leverage underwriting flexibility often find Pekin to be an extremely useful addition to their carrier lineup.

Contracting Information

Agents contracted through Agent First Contracts receive:

• Direct contract with Pekin Life
• Paid directly by the carrier
• Access to life insurance products designed for the senior market
• Independent agent opportunity
• Competitive commission opportunities
• Access to traditional underwriting review

Pekin may not be the carrier that delivers instant decisions, but it is often the carrier that gives an application another chance. That alone makes it a valuable company for many final expense agents.

Frequently Asked Questions

Is Pekin Life good for final expense agents?

Yes. Many agents value Pekin because of its underwriting flexibility, competitive pricing, and access to real underwriters.

Is this a direct contract?

Yes. Agents receive a direct contract and are paid directly by the carrier.

Does Pekin use instant underwriting decisions?

No. Pekin uses a more traditional underwriting process that allows for human review of applications.

Why do agents like Pekin's underwriting process?

Many agents appreciate the opportunity to have applications reviewed by actual underwriters rather than relying entirely on automated systems.

Who should consider adding Pekin Life?

Any final expense agent looking for additional underwriting flexibility, competitive pricing, and unique product options should consider having Pekin available.

Get Contracted with Pekin Life

If you are looking for a carrier that offers competitive pricing, unique product solutions, and the ability to work with real underwriters, Pekin Life deserves a place in your portfolio.

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