- 11,280
Mine is $326 average monthly premium....so I beat ya.
Ha Ha!
Yeah? Well I have an excellent 13 day persistency...
Average Final Expense Sale
- Thread starter rousemark
- Start date
Yeah? Well I have an excellent 13 day persistency...
- 26,126
One word = Conversions..............
- 19,619
Why? I really don't get that. I hate to sell anything but immediate coverage. I will sell a bit of graded. I do not sell any ROP stuff. I refer all those people to MoO if they have to have GI.
I know you're not an FE guy, so that may explain it. But sitill, graded as a favorite??
LOL, you act like you know me.
Yes, I personal sell F.E. I sell a lot of graded. Most of my business is old school. I don't need insurance leads. If every mailing house and lead company went out of business, I would still be okay.
1st, the people are easy to find. Once you get told that you can no longer buy insurance, it leaves you feeling lost. I was told this in 2004 after finding out that I have marfans. I then had to join a support group, and there I learned that there are tons of people out there that would love to buy some life insurance if they could only find someone that will take them.
So with Graded, I feel like I solve a big problem that even I faced. I help find them insurance. I dont have to spend the time talking them into buying life insurance. I just have to find the right product for them.
Also, most of the Graded Plans never lapse. Most of all of it stays on the book.
Lots of good reasons why to sell Graded Plans.
I run into a lot of people that have just had a stroke, heart attack or have cancer. I'm able to help all of them.
- 11,280
You guys have me confused... I always thought graded and ROP were the same.I only sell immediate benefits.
- Thread starter
- #28
You would never make in VPjdb's down line.. He insists on excellent 14 day persistency
- - - - - - - - - - - - - - - - - -ROP returns the premium paid plus an additional specified amount such as 5% of the premiums during a stated period of time..
Graded Death pays a percentage of the face amount, such as 30% 1st year, 75% second year, 100% thereafter. Since there is an immediate insurance benefit on the graded death, it will have more underwriting than the ROP.
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Some plans give you all of your money back plus interest.
SOme will pay 30% of D.B. YEAR 1 70% year 2, 100% full in year three.
WIth most of the Graded Plans that I work with, they have a few health questions. But still takes about 95% of the people out there. NOT G.I. like presidential, but graded.
- 19,619
I should act like I know you. You sold my info to some website pusher.
But, that's a different story. You always claim that you are not an FE guy. You certainly don't know much about FE.
I would love to get a list of your clients where you put them into those crap plans. Regardles of what you told most of those people don't have to be put in a plan that's not immediate coverage.
You have demonstated a complete lack of understanding of the FE market. That's OK, most part time FE guys don't understand it.
The difference is that most of them don't pretend to know.
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