Carriers for senior market

[senior-advisor-indiana]

Actually, I worked with them a couple of years ago. They did provide me with leads in Utah for age-ins and they did give me an up front release.

The leads were free but I did get a haircut on commission. I certainly could have received street level without the leads. They advanced commission as well but obviously at a lower level.

I would recommened them if you are willing to work at a lower commission is exchange for leads. And the leads were good. I stopped selling due to logistics (CA vs UT) and the fact that the leads were for people turning 65 3-6 months in the future. In fact, I thanked them for working with me.

Rick

Nice plug shill.

 

[Frank Stastny]

Frank:

This is one of the few times that you are wrong. MSIS is very upfront in that they are the agent of record. At least I think this correct, however it is possible I am listed as the AOR. But they provide leads and advances. In their case, I really don't think this is an issue. The agent has full disclosure of everything so there are no surprises later on.

For agents who don't need leads or advances, then certainly being paid directly from the carrier is the better way of going. I didn't need the advance but the leads were great. They are telemarketed, not direct mail.

As you know, I think most FMOs are dishonest bastards. These guys are one of the few good guys.

Rick

Does that mean that I am wrong? Damn, first time this year.

However, being the "agent of record" is fine as long as an agent really understands what that means. I don't think that most new agents understand the consequences of that when they sign the contract.

Regarding advances, I don't know of a company selling Med Supps that won't give an agent advances if the agent requests it. Why are advances from him better than advances at full commission from the insurance company?

If he is providing telemarked leads then it may be worth taking a reduction in commission. The part I don't understand is that the telemarketers are calling from a list, the same list the agent can purchase for around $100 per thousand names.

Anyone can sell insurance, the successful agents are the ones who learn to prospect.

 

[GreenSky]

Nice plug shill.

Better a shill than a hoosier!

Rick

 

[senior-advisor-indiana]

Better a hoosier than a hoser.

 

[southtexasagent]

Thanks for all the feedback - truly appreciate it.

 

[GreenSky]

Better a hoosier than a hoser.

Better a hoser than a guy with a cat avatar!

Oh yeah, I win. Top that top cat!

Rick

 

[MSIS]

Our leads are free and we do pay pretty much everything in commissions you would get on street level contract 1st year. The commissions are cut during the renewal leads because we are providing the free leads, but at any time if you are not satisfied with our leads you can switch your contract to a direct level contract and receive the higher paying commissions.

We have agents in just about every state, but we are always looking for those who want to work and be successful. I will be glad to answer any more questions.

 

[MSIS]

Greensky thanks for not bashing our company. It's good to have people who actually have worked for us to give their opinion.

 

[GreenSky]

Greensky thanks for not bashing our company. It's good to have people who actually have worked for us to give their opinion.

Oh, I'm pretty sure I'll get around to it sometime.

Rick