Aflac......

[VolAgent]

Were it me, I'd look at NYL.

I remember one day a few years ago finding a flyer one of their agents had put on all the cars in a shopping center. I'm sure they would have had a cow had they known, but at least she was out doing something. She also had a pretty good feel for where to do it, it was a decent neighborhood.

 

[DavidHill76]

View attachment 2793

This should help!

I tried applying to Walmart back in college. Even then I was over qualified!

David,

I'm not going to insult you, but I did notice you didn't answer my question. How are they going to help you prospect? So far, you've got fluff that sounds good in an interview.

I've been there and done that with Mass, not MidSouth, but they don't sound much different.

I do find it interesting that you have suddenly gone from broke, to family will now pay my bills.

Hmm I guess they just gave me a 30,000 foot fly over of how they will help. I'll ask the guy who will be my manager now in a text message.

As far as bills go. I don't want to ask for money from family, but I will if I have to. I will do the best I can on what I have, but I can always borrow from my whole life policy right?

If you find that to be an insult, I can't help you. It is merely an observation. I have spoken to David and he seems like a decent guy who is lost and grasping for straws. It seems that he has fallen for the siren's song at Mass.

Just like DHK, I have nothing against Mass. I do have something against any lack of training in prospecting. I seriously doubt their plan for him is much more detailed than what he has actually posted here.

What was your experience at Mass? I like that they have great products and the firm is the 10th independent of MassMutual so I'm actually independent and can write Aflac, Colonial, or any of those. Their brokerage is MML and since I dont have any experience in investments yet, I hope that it's similar to LPL or anything else. I.E. I hope I can put clients in a vanguard fund or an american fund, etc.

My plan for prospecting is this thread (ITT)

...Since I'm new to memphis. I met with and Edward Jones advisor and he gave me some great areas to door knock. I will use the script and get 25 contacts a day the edward jones way

----------

Were it me, I'd look at NYL.

I have been getting calls from NYL in Nashville.

Why do you recommend them?

 

[VolAgent]

What was your experience at Mass? I like that they have great products and the firm is the 10th independent of MassMutual so I'm actually independent and can write Aflac, Colonial, or any of those. Their brokerage is MML and since I dont have any experience in investments yet, I hope that it's similar to LPL or anything else. I.E. I hope I can put clients in a vanguard fund or an american fund, etc.

My plan for prospecting is this thread (ITT)

...Since I'm new to memphis. I met with and Edward Jones advisor and he gave me some great areas to door knock. I will use the script and get 25 contacts a day the edward jones way

Dream again if you think you are going to write any non-Mass business out the door, unless it is securities.

You need their permission to write away, and you aren't going to get it until you've hit your goals for the sales manager's bonus.

 

[goillini52]

For real. I think there was:

AFLAC
Edward Jones
Mass Mutual
New York Life
Some FMO for ACA
And 360 Financial

Just to keep you up to date, the list is now:

AFLAC
Edward Jones
Mass Mutual
New York Life
Some FMO for ACA
360 Financial
MOFO
Colonial Life

 

[DavidHill76]

Just to keep you up to date, the list is now:


Edward Jones
MidSouth Financial

Fixed.

Maybe you can put NYL back on there if I here from VolAgent why he recommends them. I have been called by them and once got offered to be an intern there. But as it Stands the two leading companies (in order)

1. MidSouth Financial Group

-or-

2. Edward Jones

 

[DHK]

What was your experience at Mass? I like that they have great products and the firm is the 10th independent of MassMutual so I'm actually independent and can write Aflac, Colonial, or any of those. Their brokerage is MML and since I dont have any experience in investments yet, I hope that it's similar to LPL or anything else. I.E. I hope I can put clients in a vanguard fund or an american fund, etc.

You have access to Ash Brokerage through MMLIAI.
https://mmliai.ashbrokerage.com/

Go back over my thread. DON'T try to sell anything but your primary carrier's products. You don't need the diffusion.

Yes, you CAN do it. And you can even go outside of the Ash Brokerage relationship (but you won't get any conference or leader's club credits).

Your focus needs to be meeting your annual quota and meeting the Leader's Club level within 6 months. (Forget that 1-year crap.)

Here's MMLISI - the broker/dealer:
MML Investors Services

Vanguard funds are "no load" funds... so you won't be recommending them.

And no, I can guarantee you that MMLISI's brokerage training won't be anything close to "LPL or anything else". I think the brokerage training was nearly non-existant from what I saw at Mass... but I already had investment sales experience when I went there.

 

[sman]

I think too many people believe "financial planning" is something glamorous. At least until they realize they have to gather a TON of assets to actually make a living doing it. Then you have to ask yourself, what do I offer to make someone want to allow me to handle their assets and how do I get in front of those people?

 

[DavidHill76]

You have access to Ash Brokerage through MMLIAI.
https://mmliai.ashbrokerage.com/

Go back over my thread. DON'T try to sell anything but your primary carrier's products. You don't need the diffusion.

Yes, you CAN do it. And you can even go outside of the Ash Brokerage relationship (but you won't get any conference or leader's club credits).

Your focus needs to be meeting your annual quota and meeting the Leader's Club level within 6 months. (Forget that 1-year crap.)

Here's MMLISI - the broker/dealer:
MML Investors Services

Vanguard funds are "no load" funds... so you won't be recommending them.

And no, I can guarantee you that MMLISI's brokerage training won't be anything close to "LPL or anything else". I think the brokerage training was nearly non-existant from what I saw at Mass... but I already had investment sales experience when I went there.

I knew it would be heavily weighted on the insurance sales, but I know I need to learn it first even though I want to do investments (read financial planning)
As for anything, I'll do what's best for my client, regardless of loads. Yes, it's nice to make a paycheck, but they told me I can do front end commission of a 1% annual fee, which is what I'll choose.

To answer your question about joint-work. Yes I will do lots and lots of it, yes they start me out at 55% but I will get 100%, since I'm guessing they get overrides. I know I can make more money elsewhere commission % wise but what does residual income look like for those agents who get 120% up front? I dont know so thats why Im asking.

 

[Glen Shelton]

Just to keep you up to date, the list is now: AFLAC Edward Jones Mass Mutual New York Life Some FMO for ACA 360 Financial MOFO Colonial Life

Hey! Ease off Goillini,

That huge list of companies, and nonsense about having ABSOLUTELY NO DIRECTION, That was the David Hill of YESTERDAY!!!!

He is a new man today! Only two today, that's almost a decision.

I CANT WAIT to see what TOMORROW looks like!!!

----------

Hey! Ease off Goillini, That huge list of companies, and nonsense about having ABSOLUTELY NO DIRECTION, That was the David Hill of YESTERDAY!!!! He is a new man today! Only two today, that's almost a decision. I CANT WAIT to see what TOMORROW looks like!!!

PS. David did your mom remind you to take your riddelin today?

 

[DHK]

I see the writing on the wall for you.

You have "bought" everything they are telling you. You are trusting them instead of those of us who have "been there, done that".

"Lots and lots of joint work" can create a parasidic relationship with a "mentor". Been there, done that.


Wouldn't your situation be better if you could learn how to prospect on your own, keep all that bonus money for yourself, and still close plenty of business?


The "joint work" trainer/partner I recommend is the Insurance Pro Shop. Subscribe for $25/month and learn how to do this business without any fancy software.

If you are functional and profitable on your own, you'll be successful and you'll be able to CHOOSE to do joint work for the larger or more complex cases that will come your way because you are a consistent prospector.