Best Final Expense lead providers?

[jdeasy]

Let's see.....
_There's not many places where an agent can get fresh exclusive DM leads that have "life insurance" on them for only $31 each.

_There's not many places where an agent can get 20-50 leads each week that are financed by their manager, the agent doesn't have to put any $$$ up beforehand to get a DM campaign started. Makes it so much easier for an agent to get started fast making $$$ their first week.

_Chargebacks come out of the pay thru, the backend, rather than from advances. Helps an agent keep their cash flow more constant.

There's more but this should help you answer your question.

And none of those places are captive and force you to write SL.

 

[noah]

Let's see.....
_There's not many places where an agent can get fresh exclusive DM leads that have "life insurance" on them for only $31 each.

Not true…..

There are many IMO's that will contract an agent with many carriers and the agent can use a credit card to purchase leads with life insurance on the direct mail piece.


_There's not many places where an agent can get 20-50 leads each week that are financed by their manager, the agent doesn't have to put any $$$ up beforehand to get a DM campaign started. Makes it so much easier for an agent to get started fast making $$$ their first week.

Actually …

Only a turn and burn operation would put an agent in a position to finance leads. This is the #1 agent killer for a new,green,agent. Only to find out after his overpriced policies are regularly replaced and he receives large chargebacks from the advances he's taken. Great way to wind up in Vector.

_Chargebacks come out of the pay thru, the backend, rather than from advances. Helps an agent keep their cash flow more constant.

Please Note….

There will be plenty of chargebacks when independent agents find those policies that green horn wrote.

There's more but this should help you answer your question.

Sheesh….

There's way more you need to know,but they will never want you to know you are being set up to fail.

 

[theinsuranceman]

Not true…..

There are many IMO's that will contract an agent with many carriers and the agent can use a credit card to purchase leads with life insurance on the direct mail piece.

That's true, but you missed what I wrote. I've pasted it below in red.
_There's not many places where an agent can get 20-50 leads each week that are financed by their manager, the agent doesn't have to put any $$$ up beforehand to get a DM campaign started. Makes it so much easier for an agent to get started fast making $$$ their first week.

 

[noah]

Not true…..

There are many IMO's that will contract an agent with many carriers and the agent can use a credit card to purchase leads with life insurance on the direct mail piece.

That's true, but you missed what I wrote. I've pasted it below in red.
_There's not many places where an agent can get 20-50 leads each week that are financed by their manager, the agent doesn't have to put any $$$ up beforehand to get a DM campaign started. Makes it so much easier for an agent to get started fast making $$$ their first week.

Leads being financed by your manager is the absolute worsst business model for a new agent trying to break in to the business.

How come independent agents don't finance leads wit their manager?

 

[DonP]

I finally ran into a senior life super preferred senior life . It was middle of the road . It was 4 months old and I replaced with Trinity . Greg when will you learn . Nobody on this board wants to be captive . When you get leads from senior life they own you . Were independent for a reason . We write whoever the hell we want when we want .I also ran into sl direct mail piece . It as you say it says life ins .

 

[BarryNY]

Let's face it - Final Expense customers are broke and dumb.

Salespeople thrive in an environment where they are selling to people they can build rapport with...building rapport means having empathy. Having empathy means being able to connect on a high emotional level.

Connecting with broke and dumb people is hard unless you're also dumb and broke.

Selling Final Expense life insurance absolutely sucks and 95% of the agents that try - fail...

Good luck to you all selling insurance to these loser customers - it's the only time they believe they are in control by giving or not giving you...their business - you guys can have them...

I've moved on to selling MONEY to business owners that need MONEY - no convincing needed. They need MONEY and I'm giving it to them. They're grateful. Period.

 

[jdeasy]

Let's face it - Final Expense customers are broke and dumb.

Salespeople thrive in an environment where they are selling to people they can build rapport with...building rapport means having empathy. Having empathy means being able to connect on a high emotional level.

Connecting with broke and dumb people is hard unless you're also dumb and broke.

Selling Final Expense life insurance absolutely sucks and 95% of the agents that try - fail...

Good luck to you all selling insurance to these loser customers - it's the only time they believe they are in control by giving or not giving you...their business - you guys can have them...

I've moved on to selling MONEY to business owners that need MONEY - no convincing needed. They need MONEY and I'm giving it to them. They're grateful. Period.

This post explains why you didn't make it in FE.

You are correct on the 90% or wash out. But that's across all insurance lines. Not exclusive to FE.

But it jumps out that you have a disdain for the FE prospects.

So you were one of the 90%.

Then you got into selling leads. Which were supposed to be the best thing since sliced bread.

Except sliced bread is still here and you are not.

And I've not met a successful FE agent that was "dumb and broke". Or dumb or broke.

But I have met a ton of agents that couldn't make it because they were dumb. Or broke. Or both.

 

[BarryNY]

This post explains why you didn't make it in FE.

You are correct on the 90% or wash out. But that's across all insurance lines. Not exclusive to FE.

But it jumps out that you have a disdain for the FE prospects.

So you were one of the 90%.

Then you got into selling leads. Which were supposed to be the best thing since sliced bread.

Except sliced bread is still here and you are not.

And I've not met a successful FE agent that was "dumb and broke". Or dumb or broke.

But I have met a ton of agents that couldn't make it because they were dumb. Or broke. Or both.

LOL. I'm smart and have money. And never failed at anything I've done - always made money - even the selling of Final Expense that I did sell...

So I "didn't make it in FE" - because you are right - I couldn't stand dealing with the customers...yes I have disdain for people that at 68 years old never thought enough or were too selfish or too dumb to take care of their own ultimate waste of a body...

My TV leads were the best things since organic 21 grain bread - f'ing amazing. I made good money selling leads but then the big boys like Select Quote (that my independent agents were competing against from the same lead supplier) bid the price so high - that it no longer made sense for independents to buy them. The Select Quotes were mad that agents with 130% contracts could get the same call in leads that their 30% agents were getting...

So yes - you can have your dumb and broke customers and sit and chat with them in their sh-t hole of a home for an hour...you enjoy your day now...driving all over the place with $4.25 gas. Take care!

 

[jdeasy]

LOL. I'm smart and have money.
I "didn't make it in FE" - because you are right - I couldn't stand dealing with the customers...yes I have disdain for people that at 68 years old never thought enough or were too selfish to take care of their own ultimately waste of a body...

My leads were the best things since organic 21

I know you said that but you couldn't make it in the lead business either.

Apparently the only that thought the leads were so great was you.

I remember when you and another guy did the video with Duford and I said that TV leads were the worst leads I ever worked and y'all got all butthurt about it.

Well, I'm still here and your leads have gone the way of the dodo bird.

 

[BarryNY]

I know you said that but you couldn't make it in the lead business either.

Apparently the only that thought the leads were so great was you.

I remember when you and another guy did the video with Duford and I said that TV leads were the worst leads I ever worked and y'all got all butthurt about it.

Well, I'm still here and your leads have gone the way of the dodo bird.

Apparently you know shit about nothing.
LOL...I'm sure your butt hurts sitting on those flea bag couches...

Me - I'm f'ing fine doing what I do...