AARP for Final Expense

[Rearden]

Does the AARP FE Term product have a two-year waiting period on it? Or is it an immediate benefit?

I ask because I could have sworn seeing some with a two-year wait... but I could be wrong...

 

[Newby]

AARP is a good product backed by the strongest Mutual Insurance Company in the U.S.A. Keep replacing these products kind sirs, but are you really doing your a client a favor? Or doing yourself a favor?

If you honestly understood it, you wouldn't sell it to your mother. So why would you sell it some one else's mother?

AARP life insurance is only bought by people who had no understanding of what they were buying. They were simply trusting a brand and put their trust in the wrong place.

There are dozens of better options.

You are too wet behind the ears to know what you are saying. Hopefully you will learn a little bit in the next 12 months or you will be looking for a new career.

 

[Chazm]

It seems as though many Independent Agents have the wrong mind-set---To merely,"TARGET", AARP consumers and bad mouth the Agent who sold it to them seems to tell a little about yourselves. Lets not try and fit a square cake into a round whole. NYL may not directly back AARP, but the name alone is what people want....not some Schmuck Agent trying to give them the best deal with a B rated company. Just sayin..

Sounds like someone was brainwashed into thinking these other companies are B rated. I was fed a lot of nonsense when I was new too

 

[jacobtn]

It seems as though many Independent Agents have the wrong mind-set---To merely,"TARGET", AARP consumers and bad mouth the Agent who sold it to them seems to tell a little about yourselves. Lets not try and fit a square cake into a round whole. NYL may not directly back AARP, but the name alone is what people want....not some Schmuck Agent trying to give them the best deal with a B rated company. Just sayin..

yeah, and they'll love that "name" when it comes in a letter on their 80th birthday, offering them the opportunity to reapply at their 80 yr old rates...

you sure you want to keep sharing with everyone your intelligence, or lack thereof?

 

[SIM ANTIC]

I never said I was smarter. That in fact, is a false statement. I am intrigued with different products and different perspectives on those product. Excuse me for making this thread more informative for someone who really didn't know about AARP. I will never represent AARP. I was making an opinion....thanks for all the contructive feedback, that, my fellow agents, is why I am a member.

 

[jdeasy]

I never said I was smarter. That in fact, is a false statement. I am intrigued with different products and different perspectives on those product. Excuse me for making this thread more informative for someone who really didn't know about AARP. I will never represent AARP. I was making an opinion....thanks for all the contructive feedback, that, my fellow agents, is why I am a member.

You didn't come on here asking about AARP. You came on here chastising agents for replacing AARP crap. saying it was being done the agent's sake instead of the client's.

Try this new BS somewhere else.

 

[Newby]

I never said I was smarter. That in fact, is a false statement. I am intrigued with different products and different perspectives on those product. Excuse me for making this thread more informative for someone who really didn't know about AARP. I will never represent AARP. I was making an opinion....thanks for all the contructive feedback, that, my fellow agents, is why I am a member.

JD is right on this one. You need to educate yourself before you start making judgement calls.

AARP AND New York Life are in that together and MANY seniors feel screwed when an HONEST agent teaches them what they bought.

An A++ rating doesn't mean any more than a C rating as far as paying claims. They ALL pay their claims. It only means the company is making a lot of money and is financially solid.

What DOES make a difference is the terms of the agreement.

What is better to you?
1st day coverage or 24 month waiting period?
Locked in rate for life or you can't be "singled out" for rate increases?
Coverage for your entire lifetime or coverage to your 80th birthday?
A local servicing agent or when they try calling the local New York Life agent they get the old' "We don't service that crap! You need to deal with the AARP telemarketer that sold it to you?
And last but not least...more coverage for less money? Or less coverage for more money?

A++ rating? Pffffttttttttt! Nobody cares. And they shouldn't.

 

[rousemark]

I never said I was smarter. That in fact, is a false statement. I am intrigued with different products and different perspectives on those product. Excuse me for making this thread more informative for someone who really didn't know about AARP. I will never represent AARP. I was making an opinion....thanks for all the contructive feedback, that, my fellow agents, is why I am a member.

Yeah.. we know. You were just trying to help. Explain just how your condescending , "not some Schmuck Agent trying to give them the best deal with a B rated company" really makes "the thread more informative for someone who really didn't know about AARP"

 

[sman]

I never said I was smarter. That in fact, is a false statement. I am intrigued with different products and different perspectives on those product. Excuse me for making this thread more informative for someone who really didn't know about AARP. I will never represent AARP. I was making an opinion....thanks for all the contructive feedback, that, my fellow agents, is why I am a member.

You may not have said you were smarter, but you certainly implied it. Not only that, you practically called anyone who replaces an AARP policy a crook with statements like these:

Keep replacing these products kind sirs, but are you really doing your a client a favor? Or doing yourself a favor?

To merely,"TARGET", AARP consumers and bad mouth the Agent who sold it to them seems to tell a little about yourselves. Lets not try and fit a square cake into a round whole. NYL may not directly back AARP, but the name alone is what people want....not some Schmuck Agent trying to give them the best deal with a B rated company. Just sayin..

Square cake in a round hole? Really? I always thought the saying was a square peg in a round hole.

When you have some experience in the business and you've seen people with inferior products, maybe then you can come back and talk to us. But you've certainly gotten off on the wrong foot by making these idiotic statements above.

 

[pcbinsurance]

".......What is better to you?
1st day coverage or 24 month waiting period?
Locked in rate for life or you can't be "singled out" for rate increases?
Coverage for your entire lifetime or coverage to your 80th birthday?
A local servicing agent or when they try calling the local New York Life agent they get the old' "We don't service that crap! You need to deal with the AARP telemarketer that sold it to you?
And last but not least...more coverage for less money? Or less coverage for more money?

A++ rating? Pffffttttttttt! Nobody cares. And they shouldn't.
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I give your post an A++ rating!