Best Go to Carrier

[bboman23]

So we can use our lead credits from SNL for our leads from 360? Is it only half the cost or would they apply say my weekly lead bill of 780? Our do they do half of that and I the rest? Either way is good to know.

Texting you now .........

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I sent you a couple of emails about wanting to ride with you when you were in SC...your email machine must have been broken.

Can you please tell me your email or email me again? I wanna look it up and see what went wrong buddy. Sorry about that.

 

[John Galt]

Hehehe...I 'know' the answer and then I KNOW the answer. Text me and I'll give you the skinny...or your upline....sorry I couldn't help myself...btw...how is it that I know you 360 guys can use your SNL lead credit and your downline doesn't?

Because you are an ahole . You know I'm kidding, it's kind of a once you know you know kinda thing.

 

[peteybear]

Galt are you really 5-1 like todd daviso?You know what they say"Small people have Small packages"lol. No dang wonder you're always arguing. you got that small mans disease.

 

[John Galt]

Galt are you really 5-1 like todd daviso?You know what they say"Small people have Small packages"lol. No dang wonder you're always arguing. you got that small mans disease.

Yes Pedo bear, I love hitler. But your feet stink and your momma hates Jesus

 

[rousemark]

Galt are you really 5-1 like todd daviso?You know what they say"Small people have Small packages"lol. No dang wonder you're always arguing. you got that small mans disease.

At least he has an excuse.. And yours is?

 

[bboman23]

At least he has an excuse.. And yours is?

You rebel you! !

 

[Thad.Sipple]

Pick the company that pays the most and fastest. (Survival skills)

Write it, own it, love it.

After 5 to 6 months then, look back and determine what your really missing, then find 1 maybe 2 more companies to fill that gap. Only fill the gap continue writing all your biz with first company.

You will never have a vector and you will always have positive cash flow.

Pay yourself 60% of your advance no more, until 18 months later then increase your pay.

 

[Rearden]

Yep, that's what i'm talkin about! Yeah, I am going to start sending them more clients with heart issues since it looks like they will take them standard and even some as preferred.

1) Script rating based on "first-fill" -- blood thinners, heavy cardio meds, etc., are good for level as long as the med has been used longer than 2 years and hasn't had an adjustment up in dosage. Good when other carriers blacklist specific kinds of drugs like carvedilol, warfarin, etc.

2) No point of sale interview offered. Perfect for guys like me who like to "write and run."

3) Full comp on Graded and Level business at all ages. No worries about taking a haircut like 5-Star does with Graded business and "Old People" business (81-85) -- Graded and Level business pays full commission.

4) Cool niches like full first day coverage for seizures, paralysis as long as applicant can do all ADLs, nitro prescribed as long as not taken over the past 2 years.

5) My group sends annual mailers to existing policy owners every year-end to stimulate existing customers to buy more coverage and refer, which is mailed at no cost to the agent.

Where United Heritage is NOT the best:

1) If you do not field underwrite effectively, they will request doctor records and drag out your case. I have a minimal amount of APSs, but the ones that were requested were warranted, because I didn't do my job effectively on the front-end. If I run into an applicant with a plethora of meds for heart problems or chronic respiratory problems, and I don't want to risk getting APS'd or possibly given graded coverage, I will try to place her with Transamerica or Aetna instead.

2) Rates are not Top 5 most competitive for non-smokers, and smokers are a little higher than average. Rates are generally "middle-of-the-road" like 5-Star and Transamerica; basically, I'm not worried about getting replaced writing United Heritage (my first-year persistency after 9 months is 99.3% with United Heritae).

3) They do not offer credit/debit card payment modes, and I am thinking they aren't planning on offering it. In fact, I highly recommended to my Regional contact that IF they do it, they do it the right way like JDEasy recommends; if they can't, then I certainly don't want them rolling it out, as DE business is deadbeat business anyway.

For me, United Heritage is a generally no-hassle, agent-friendly company to do business with with an all-around easy product to use in most situations. However, United Heritage DEFINITELY does not fit every situation or every agent, and are not the end-all be-all.

They fit agents best that (a) HATE point of sale interviews, (b) want a bread-and-butter company that's easy to send a good chunk of their business to, and (c), would prefer to work with a smaller, more easily-accessible carrier versus the giant PIA carriers like Transamerica.

 

[jlata1]

You must mean 99.3% persistency on not being replaced are you just didn't write much with them.You could put the premium in once a month on these dead beats and at least one out of 10 would find a way to get the premium you paid out of the account within 24 hrs

 

[Agentguy5]

1) Script rating based on "first-fill" -- blood thinners, heavy cardio meds, etc., are good for level as long as the med has been used longer than 2 years and hasn't had an adjustment up in dosage. Good when other carriers blacklist specific kinds of drugs like carvedilol, warfarin, etc.

2) No point of sale interview offered. Perfect for guys like me who like to "write and run."

3) Full comp on Graded and Level business at all ages. No worries about taking a haircut like 5-Star does with Graded business and "Old People" business (81-85) -- Graded and Level business pays full commission.

4) Cool niches like full first day coverage for seizures, paralysis as long as applicant can do all ADLs, nitro prescribed as long as not taken over the past 2 years.

5) My group sends annual mailers to existing policy owners every year-end to stimulate existing customers to buy more coverage and refer, which is mailed at no cost to the agent.

Where United Heritage is NOT the best:

1) If you do not field underwrite effectively, they will request doctor records and drag out your case. I have a minimal amount of APSs, but the ones that were requested were warranted, because I didn't do my job effectively on the front-end. If I run into an applicant with a plethora of meds for heart problems or chronic respiratory problems, and I don't want to risk getting APS'd or possibly given graded coverage, I will try to place her with Transamerica or Aetna instead.

2) Rates are not Top 5 most competitive for non-smokers, and smokers are a little higher than average. Rates are generally "middle-of-the-road" like 5-Star and Transamerica; basically, I'm not worried about getting replaced writing United Heritage (my first-year persistency after 9 months is 99.3% with United Heritae).

3) They do not offer credit/debit card payment modes, and I am thinking they aren't planning on offering it. In fact, I highly recommended to my Regional contact that IF they do it, they do it the right way like JDEasy recommends; if they can't, then I certainly don't want them rolling it out, as DE business is deadbeat business anyway.

For me, United Heritage is a generally no-hassle, agent-friendly company to do business with with an all-around easy product to use in most situations. However, United Heritage DEFINITELY does not fit every situation or every agent, and are not the end-all be-all.

They fit agents best that (a) HATE point of sale interviews, (b) want a bread-and-butter company that's easy to send a good chunk of their business to, and (c), would prefer to work with a smaller, more easily-accessible carrier versus the giant PIA carriers like Transamerica.

Ahh, but are they in Florida?

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I use the RX look up tool. They take most of the med that 5 star doesn't as long as the event was over 2 years ago.
I write the health concerns in the medical supp section. Like copd, no oxygen only nebulizer.
The downfalls are insulin use and pacemaker are standard instead of preferred

Ok James, Have you put any Insulin Dependedant Type 1 Clients with Transamerica for PREFERRED?

According to the underwriting guide, this is doable.