40 Yr Old W/ NO Checking Account Needs FE Policy

[tomoverton0123]

I agree, I just personally don't like writing business I know with 90% certainty, won't stick. If they'll put some "skin in the game" by paying something more substantial than monthly, I'll consider writing it.

A few direct bills a month really add up to a nice monthly check. BTW SNL is experiencing a 77% 1st year persistency with direct bills, which is much better than Direct Express cards.

 

[tins]

Assurity doesn't want anyone who's diabetic, trust me on that 1.

Sent via my Sprint Galaxy S4 using Insurance Forums

I may have heard something along those lines.

 

[summerof18]

Thank you! Yes I do believe so myself. Anyone who is in this just for the money I wouldn't want as my own agent! The money is great, don't get me wrong,,,but those who are in this just for themselves and the money are not trustworthy in my eyes.
Shes thrilled and so appreciative that Im helping her, since no one else would,,,Sure Ill take those commissions anyday!! HAHA

 

[PittAgent]

Thank you! Yes I do believe so myself. Anyone who is in this just for the money I wouldn't want as my own agent! The money is great, don't get me wrong,,,but those who are in this just for themselves and the money are not trustworthy in my eyes.
Shes thrilled and so appreciative that Im helping her, since no one else would,,,Sure Ill take those commissions anyday!! HAHA

If you like to help people so much there are countless homeless shelters that could really use a hand. There are also many charities doing wonderful things for people all over the world. They all need people with their heart in the right place like you seem to have.

With that said, if you are telling us you entered final expense sales to "help people" without regard to getting paid then you are either an *** or a liar. Nobody puts up with the stuff we deal with - piss smelling houses, roach-infested tables while we're writing business, people who can't even afford $20/mo., etc.. etc.. - unless you have a significant financial reward at the end of the day. I don't know about you but I could get a somewhat high-paying job in IT but I choose to sell final expense instead. Why? Because I can make a LOT more money and leverage my time for more freedom. As a side effect, I do help a lot of people. Some people cry when they thought they couldn't get any coverage and I tell them they can. That's all wonderful and gives me the warm and fuzzies too. But without that great pay and time leverage I certainly wouldn't do it. If I wanted to help people without pay I'd take my own advice and volunteer at a homeless shelter.

 

[VolAgent]

Assurity doesn't want anyone who's diabetic, trust me on that 1.

Sent via my Sprint Galaxy S4 using Insurance Forums

That is only because Jeff heard you saying nice things about UHL.

You just need the hook-up.

 

[mbm0219]

Hi everyone, I have a lady whos in need of insurance.

I have found her 25K with SNL but need to find an additional 25K for her...

Heres the scenario...

40 yr old Female
Florida
No checking account, can pay with Money orders.
Has Lupus SLE, diabetic (pills) and vertigo (dizzy spells)

Any suggestions?
The health is not the main issue on getting her insurance its finding a company that accepts money orders.

Thank you.

Settlers and New Era/Philadelphia American both offer direct billing.

 

[newtothegames]

could you purches a debit card like netspend?it has a aba number and account number.they could take the money off the card like a checkingaccount t every month

 

[TriciaS]

Who is taking money orders for premiums? None of the carriers I deal with will. Is it because it is final expense, so low face amounts & low premium?

 

[Rearden]

AmAm will do it sans bank account.

 

[RonRoberts]

Who is taking money orders for premiums? None of the carriers I deal with will. Is it because it is final expense, so low face amounts & low premium?

I personally would not write that type of business unless the client was willing to pay at least quarterly with a money order. Maybe some have had better results but agents I have talked with that wrote a monthly money order account had to actually act as debit agents to collect the premiums.