Advice Needed on FE and Other Options

[luke4275]

I;m new to insurance so thanks for all the help I receive here. Today I visited a couple and quoted them for FE thru Foresters. male 76 and wife 65 both non smokers and all health questions were great,. no known issues. The husband zeroed in on 15k for a funeral price so when I quoted him.. I gave him 10k ( 101 ) 12k ( 120 ) and 15k (150 ) the wife's quote was 10k (75 ), 12k ( 90) and 15k ( 112 ) He immed selected 15k for the wife and 10k for him, but I couldnt close him . He said something about having to check with someone to see if what he has etc etc.. MY question to you pros is this, besides term and ul and gul ( dont even know what that is, lol ) is there a cheaper whole life is they do blood work, etc? thanks

 

[jdeasy]

I;m new to insurance so thanks for all the help I receive here. Today I visited a couple and quoted them for FE thru Foresters. male 76 and wife 65 both non smokers and all health questions were great,. no known issues. The husband zeroed in on 15k for a funeral price so when I quoted him.. I gave him 10k ( 101 ) 12k ( 120 ) and 15k (150 ) the wife's quote was 10k (75 ), 12k ( 90) and 15k ( 112 ) He immed selected 15k for the wife and 10k for him, but I couldnt close him . He said something about having to check with someone to see if what he has etc etc.. MY question to you pros is this, besides term and ul and gul ( dont even know what that is, lol ) is there a cheaper whole life is they do blood work, etc? thanks

What made you pick Foresters? There are better options. The number one reason people don't buy when they have the money, the want and the need is trust.

It seems that you are not establishing trust before your presentation. My "warm-up" is , at least, 15 minutes before we ever discuss insurance. And, I don't even get into my warm-up until I have established why I'm there.

You really need a mentor. If your current manager is not providing that, cut the ties and get with someone that will.

You seem to have the passion and desire for this business, but, right now you don't have a rudder.

 

[theinsuranceman]

What made you pick Foresters? There are better options. The number one reason people don't buy when they have the money, the want and the need is trust.

It seems that you are not establishing trust before your presentation. My "warm-up" is , at least, 15 minutes before we ever discuss insurance. And, I don't even get into my warm-up until I have established why I'm there.

You really need a mentor. If your current manager is not providing that, cut the ties and get with someone that will.

You seem to have the passion and desire for this business, but, right now you don't have a rudder.

I agree.

Write the wife the 15K and tell the husband you'll check back with him in a few days so he has time to check out what he has.

 

[WinoBlues]

What made you pick Foresters? There are better options. The number one reason people don't buy when they have the money, the want and the need is trust.

It seems that you are not establishing trust before your presentation. My "warm-up" is , at least, 15 minutes before we ever discuss insurance. And, I don't even get into my warm-up until I have established why I'm there.

You really need a mentor. If your current manager is not providing that, cut the ties and get with someone that will.

You seem to have the passion and desire for this business, but, right now you don't have a rudder.[/QUOTE]

This is great advice. This is coming from a guy (JD) that is doing it, not from a guy trying to get others to do it. Take the advice.

 

[HarryRenard]

I;m new to insurance so thanks for all the help I receive here. Today I visited a couple and quoted them for FE thru Foresters. male 76 and wife 65 both non smokers and all health questions were great,. no known issues. The husband zeroed in on 15k for a funeral price so when I quoted him.. I gave him 10k ( 101 ) 12k ( 120 ) and 15k (150 ) the wife's quote was 10k (75 ), 12k ( 90) and 15k ( 112 ) He immed selected 15k for the wife and 10k for him, but I couldnt close him . He said something about having to check with someone to see if what he has etc etc.. MY question to you pros is this, besides term and ul and gul ( dont even know what that is, lol ) is there a cheaper whole life is they do blood work, etc? thanks

You don't know what you don't know, that is why Jdeasy's advice is so important.
This is why none of these threads you keep starting are really going to help to much. Without knowing your whole presentation (phone call to app) theres no real way to help.

Most true objections aren't overcome by a oneliner because most are just saying anything to blow you off because they don't trust you or you haven't addressed their needs.

What State are you in?

 

[Frank Stastny]

I have had the pleasure of talking to jdeasy and I can tell you that he is one of the "silent" successful agents in the FE market. I think I can honestly say that he doesn't "sell" insurance. He doesn't have to.

His whole approach is relaxed and conversational, very much the same as I use to write Med Supps.

Of all the people on this board who are touting their expertise and success in the FE market, he is one who is actually doing it on a daily basis. If I wanted to learn to sell just FE he would be the mentor I would choose. I would gladly pay him to teach me to sell FE, I sure wouldn't expect to get his knowledge for free.

 

[jdeasy]

Thanks for the props, Frank, but, I don't recruit for a reason. I'm not a very patient manager. In fact, I don't fit into any kind of management mold.

I will help any agent that asks and will do it when it's convenient for me, not them. If I was charging, I would have to do it on their time. I think you will find many agents right here at the forum that I have taken time for. No charge.

 

[Fisher]

I think you will find many agents right here at the forum that I have taken time for. No charge.

Yep, just yesterday. And I appreciate it.

 

[thespur1]

JD is the top guy in FE