Chargebacks, Health Insurance & Other FE Tidbits!

[TDFnCali]

When it comes to your clients there are no small lies.. a lie is a lie is a lie. It is certainly is unethical by any measure but your own.

Ok, I did ask about the DOB thing Ive used a few times & it seems the concensus here is ALL lies are ALL the same!! While I will wholeheartedly disagree, I did ask for your guys opinions & I will try to come up with a better rebuttal to that.

The reason I disagree is if u 100% believe that^^^ above then what you're saying is ANY salesmen whos ever said ANY of the following is also unethical:

1) Client- "Cant u give me the info over the phone instead of dropping by?" Agent- "No, I need to meet u face to face..." (cause he knows he wont get a sale over the phone is unethical cause its a lie!

2) Agent at the door- "Im sorry for just dropping by but I was in the area helping another client" (even if he wasnt, he was just in the area) is unethical, its a lie.

3) If asked if thats the best price by the client & the agent says "Yes" cause its the best price HE/SHE has is unethical too. (Greg, dont u even tell me this hasnt come up with you either, cause I know it has)

4) A lot of agents are trained (inc. me) when the client has health issues to say something to the effect of "Ya know Mr Jones, a lot of companies wouldnt even insure you, but I can with our companies...."
even though there's PLENTY of companies that would insure that client is unethical.

So if you're going to say "a lie is a lie" (or agree with that) then based on that, there's LOTS of agents here that are unethical. I, for one, do NOT agree with that statement!

Anyone have a better rebuttal for someone who asks whats the difference in price if their Bday passes before they buy (cause u know they wanna procrastinate on making a decision)??
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I didn't assume anything. Just going by your words. I'll refresh if you can't remember what you said;


"For JD & Josh and maybe other "pros", I've never heard of every sale just being a lay down no matter what you're selling and I've been in sales since 1999.

But if your clients never say "I want to think about it" or something to that effect, then more power to you.... Guess I'm not that good yet!"

Well JD I dont know what to tell u....seems you've already made your decision & what I say doesnt matter to you, I said I wasnt dismissive.

If I were, I wouldnt have taken notes....I may have been a bit sarcastic cause I THOUGHT u guys were saying u dont get "I wanna think about it" rebuttals. I may have been wrong, but thats what I thought u & Josh were saying. The difference is I DIDNT just accuse u of meaning that like you're accusing me of being dismissive.

And lastly, I see what u guys are saying....but u keep repeating the fact that if I get that rebuttal, I did something wrong in the presentation. OK, granted I may have....but NOW I have to fix that & close it. So I have to do something and if the above scenario (I posted earlier in this thread) plays out, I might use "Lets get the policy in ya hands so u can get approved & see it & make sure its what u want" kinda close!

Hope that clears it up now!

 

[tins]

Ok, I did ask about the DOB thing Ive used a few times & it seems the concensus here is ALL lies are ALL the same!! While I will wholeheartedly disagree, I did ask for your guys opinions & I will try to come up with a better rebuttal to that.

The reason I disagree is if u 100% believe that^^^ above then what you're saying is ANY salesmen whos ever said ANY of the following is also unethical:

1) Client- "Cant u give me the info over the phone instead of dropping by?" Agent- "No, I need to meet u face to face..." (cause he knows he wont get a sale over the phone is unethical cause its a lie!

2) Agent at the door- "Im sorry for just dropping by but I was in the area helping another client" (even if he wasnt, he was just in the area) is unethical, its a lie.

3) If asked if thats the best price by the client & the agent says "Yes" cause its the best price HE/SHE has is unethical too. (Greg, dont u even tell me this hasnt come up with you either, cause I know it has)

4) A lot of agents are trained (inc. me) when the client has health issues to say something to the effect of "Ya know Mr Jones, a lot of companies wouldnt even insure you, but I can with our companies...."
even though there's PLENTY of companies that would insure that client is unethical.

So if you're going to say "a lie is a lie" (or agree with that) then based on that, there's LOTS of agents here that are unethical. I, for one, do NOT agree with that statement!

Anyone have a better rebuttal for someone who asks whats the difference in price if their Bday passes before they buy (cause u know they wanna procrastinate on making a decision)??

You said you straight up lie to them.
That is beyond wrong. I know you're young and it's tough starting out in this biz. But you need to take a long look in the mirror. I don't want you to take this as an attack on you. It's just, if you keep pushing that line further and further it'll get you in serious trouble some day.

 

[TDFnCali]

You said you straight up lie to them.
That is beyond wrong. I know you're young and it's tough starting out in this biz. But you need to take a long look in the mirror. I don't want you to take this as an attack on you. It's just, if you keep pushing that line further and further it'll get you in serious trouble some day.

I never said "I straight up lie to then" ever....so Im not sure why u said that. But anyways, seems no one is reading my entire post, just parts. I ALSO said I will try to come up with a better way to address that & asked for help?

And again my "lie" thats its $5-10 difference (when its more like $2-3) is NO different then the lies I posted above.

 

[jdeasy]

Ok, I did ask about the DOB thing Ive used a few times & it seems the concensus here is ALL lies are ALL the same!! While I will wholeheartedly disagree, I did ask for your guys opinions & I will try to come up with a better rebuttal to that.

The reason I disagree is if u 100% believe that^^^ above then what you're saying is ANY salesmen whos ever said ANY of the following is also unethical:

1) Client- "Cant u give me the info over the phone instead of dropping by?" Agent- "No, I need to meet u face to face..." (cause he knows he wont get a sale over the phone is unethical cause its a lie!

2) Agent at the door- "Im sorry for just dropping by but I was in the area helping another client" (even if he wasnt, he was just in the area) is unethical, its a lie.

3) If asked if thats the best price by the client & the agent says "Yes" cause its the best price HE/SHE has is unethical too. (Greg, dont u even tell me this hasnt come up with you either, cause I know it has)

4) A lot of agents are trained (inc. me) when the client has health issues to say something to the effect of "Ya know Mr Jones, a lot of companies wouldnt even insure you, but I can with our companies...."
even though there's PLENTY of companies that would insure that client is unethical.

So if you're going to say "a lie is a lie" (or agree with that) then based on that, there's LOTS of agents here that are unethical. I, for one, do NOT agree with that statement!

Anyone have a better rebuttal for someone who asks whats the difference in price if their Bday passes before they buy (cause u know they wanna procrastinate on making a decision)??

You seem to be grasping at straws here to cover telling someone a blatant untruth to a direct question. Why you would want validation for that is a mystery to me.

As to your hypothetical sceniaros;

1. I never tell someone "I have" to see them face to face. I tell them that we don't work that way if they want the info over the phone. Nothing false about that, I don't work that way.

2. When I doorknock I do not tell them I was there helping, seeing or whatever other people. I tell them they sent the card in and I haven't been able to reach them any other way.

3. I would never tell someone it's the best price out there. I doubt that other agents do either. I do tell people that they can get a better rate with a non A rated company because they can. That's just one example.

4. I would never tell someone crap like that. And, if all they qualify for is ROP I tell them that MoO is the best deal out there. Sometimes now I refer then to Vantis because it is better for some ages.

As for your question about an upcoming birthday, I tell them exactly how much more it will cost if they wait. Sometimes it's less than a dollar a month more, so I just tell them whatever it is. If you are losing sales over an upcoming birthday or having to use that to make a sale then there is something else wrong. I'm in my 9th year of selling life insurance. I can't ever remember it being an issue and I know I've never used an upcoming birthday to try and get someone to act.

As for all the other stuff you think agents are being dishonest about I don't know where you are seeing all that crap. The vast majority of agents that I have dealt with would do none of that stuff. Hell, Newby is right here in my backyard and a tough competitor, but he would never use a dishonest tactic to get business. Are there bankers Life and CL agents using that crap? Yes, they are. They come and go as routine around here.

Your upline manager at EFES is one of the most honest men I have ever met. Maybe you should run some of those ideas by him?

 

[Shalom]

When I read this I thought tdf was trying to compliment jd. Some days I worry about JDs health when I read his posts. He gets a compliment from someone that admires him and then... "the non assumption"

I didn't assume anything. Just going by your words. I'll refresh if you can't remember what you said;


"For JD & Josh and maybe other "pros", I've never heard of every sale just being a lay down no matter what you're selling and I've been in sales since 1999.

But if your clients never say "I want to think about it" or something to that effect, then more power to you.... Guess I'm not that good yet!"

 

[jdeasy]

When I read this I thought tdf was trying to compliment jd. Some days I worry about JDs health when I read his posts. He gets a compliment from someone that admires him and then... "the non assumption"

No need to worry about my health. But, that was no compliment nor meant as one.

I might should be concerned about your reading comprehension, but I don't care enough to be.

 

[rapidrobert]

Wow- you are a poster child for today's epidemic of "relativism." In other words NOTHING is wrong, or unethical unless: 1) I get caught and 2) unless I FEEL like it is.

Whoever told you to look in the mirror told you correctly.

 

[TDFnCali]

You seem to be grasping at straws here to cover telling someone a blatant untruth to a direct question. Why you would want validation for that is a mystery to me.



3. I would never tell someone it's the best price out there. I doubt that other agents do either.

<<WoW, u believe no agents tell their clients its the best price (Im not talking about u)?? I wish we could put a wager that a large amount do say that or something to that affect, but we wouldnt get them to admit it!

As to your "validation" statement- how u come up with this stuff, I dont have a clue....NO WHERE in my post did I ask or seek validation. But I DID say this >>> "Ok, I did ask about the DOB thing Ive used a few times & it seems the concensus here is ALL lies are ALL the same!! While I will wholeheartedly disagree, I did ask for your guys opinions & I will try to come up with a better rebuttal to that...Anyone have a better rebuttal for someone who asks whats the difference in price if their Bday passes before they buy (cause u know they wanna procrastinate on making a decision)??"

How u got me needing VALIDATION from that ^^^ above is waaay beyond me! But since ur never wrong, I guess Im wrong again!

You have your opinion JD & I have mines, you're a great FE Agent & I can only hope to be somewhere in your world 1 day. But as far as u telling ME what I mean or what Im saying even AFTER Ive clearly stated thats NOT what I meant/said (to the point where u act like u cant be wrong or mistaken), thats not acceptable. Im a man no less then u, and I can speak for myself without u clarifying what Im saying!

 

[jdeasy]

<<WoW, u believe no agents tell their clients its the best price (Im not talking about u)?? I wish we could put a wager that a large amount do say that or something to that affect, but we wouldnt get them to admit it!

As to your "validation" statement- how u come up with this stuff, I dont have a clue....NO WHERE in my post did I ask or seek validation. But I DID say this >>> "Ok, I did ask about the DOB thing Ive used a few times & it seems the concensus here is ALL lies are ALL the same!! While I will wholeheartedly disagree, I did ask for your guys opinions & I will try to come up with a better rebuttal to that...Anyone have a better rebuttal for someone who asks whats the difference in price if their Bday passes before they buy (cause u know they wanna procrastinate on making a decision)??"

How u got me needing VALIDATION from that ^^^ above is waaay beyond me! But since ur never wrong, I guess Im wrong again!

You have your opinion JD & I have mines, you're a great FE Agent & I can only hope to be somewhere in your world 1 day. But as far as u telling ME what I mean or what Im saying even AFTER Ive clearly stated thats NOT what I meant/said (to the point where u act like u cant be wrong or mistaken), thats not acceptable. Im a man no less then u, and I can speak for myself without u clarifying what Im saying!

I'm sure there some Bankers Life agents and some CL agents out there that say anything to get a sale. I know of one company that tells prospects that they are underwriters.

If you want to be in that group nothing is stopping you. As for seeking validation I wasn't referring myopically to just this thread. Nor am I clarifying anything you said. I said it "seems to me" that's what you are doing/saying. That is my opinion based on not only this thread, but other threads and posts and private messages.

As for my being wrong, it happens more times than I care to admit. I obviously was wrong about you.

 

[Norwayguy]

As Bob stated, no discounts for Grp Health, in fact those rates would be even higher. What Grp Health does is take the wayward, the sick and the elderly (so to speak), and if you fit into that category it can be a deal. However, since you are one of those young whippers, and if healthy, your best bet is fully u/w indiv health policy. An HSA with a HDHP, 5K ded shouldn't be too hateful in prem. This would provide you with first dollar wellness benefits, per the law, and any expenditure up to the ded would be tax ded to you, as long as an HSA acct has been established in advance. Fund the HSA and let it pay for incidentals and the HSA funding is tax ded to you as well.

The only other possibility that you might be referring to is if you went as a captive agent (employee) there may be some subsidized health premiums, but you don't want to absorb the cost of making that mistake.

Actually In a GI state like Maine group policies are cheaper per benefit dollar because the people covered work.