Considering replacing SNL

I find it v


I find it very curious why 99% of agents,Fmo's , CO's data me included swear by ss billing being critical in persistency. Yet your outfits persistency with kskj who doesn't do ss billing seems magical .We all work the same leads and mostly super low income people that fill out 10 cards a yr and are bad at money management .

Why does non ss billing not affect fex yet it affects 99% of the industry ? You could say that your agents put better client with kskj . But in the end none of us which client will pay and won't pay . My theory is since kskj's rates are so low and underwriting aggressive that there replacement business is 3-5 times the industry avg . This means those people you replace are already paying and will continue paying . It's what Jd has preached for yrs wanting a card that doesn't say life ins . He wants them to have life ins so he can replace . My friends a top kskj agent and 60% plus of his business with them replacement. There also his # 1 death claim carrier . It'll be interesting to see how long they can keep some of the lowest rates with the most aggressive underwriting


128 years and counting. The sky is not falling.

But if it does I'll move to next just as I did when RNA jumped the shark.

In the meantime I do not hand wring about it.

As to your questions about why is FEX so much better? Well, they just are.

One FEX agent is AmAm's top agent. And you know he never cries about my not using them.

He also makes KSKJ ceo level ever year too.
 
While that was a crappy thing for any company to do, it's become ancient history. Of the people at Am Am that did that, none of them are there anymore. The company moved on and is doing things the right way now.

So, what I'm saying in a nutshell is that this argument has sailed, never to return. Just not a strong argument anymore.

If you want to show their middle of the road rates and dis on those, then fine...there's a point to be taken under consideration.

As far as their CS goes, they are great to work with. Those who don't write with them wouldn't really know that though.


But those that call into customer service with AmAm clients would know.

So while that ship may have sailed it sunk before it got out of port.
 
I don't care how easy they might be to work with, I could never get past this. There are too many good companies to work with that you don't have to work with a company like AmAm. :mad:




I can. I don't care about someone's past. I live in the present.

I recently met a broad that's 5'5" 115 lbs. she showed me photos from 2011. Unrecognizable. She was 230 lbs.

Now she is super hot. I've had a few dates with her,amazing !

Now,is she starts laying on the couch all day eating bags of donuts,foot long corn dogs,and drinking Mountain Dew, gains that weight back …….

I'm done !
 
I don't worship any company. I am unlike you on that too.

Why do company men not publicly tell the truth about a company? Because they are company men.

Nor is anything I say about a company personal. Unlike you I don't make it personal. I know you don't understand that. But there's a lot you don't understand.

The BS here is mostly you.

Why do you worship a pos company so much?

AmAm never did anything to me. They don't offer any value. Why is that so hard for you to understand?

Now you worry about how much I make? WTF is wrong with you?

There's only one way to do things and that's JD's way.
 
I can. I don't care about someone's past. I live in the present.

I recently met a broad that's 5'5" 115 lbs. she showed me photos from 2011. Unrecognizable. She was 230 lbs.

Now she is super hot. I've had a few dates with her,amazing !

Now,is she starts laying on the couch all day eating bags of donuts,foot long corn dogs,and drinking Mountain Dew, gains that weight back …….

I'm done !
She's not half the woman she used to be. :)
 
But those that call into customer service with AmAm clients would know.

So while that ship may have sailed it sunk before it got out of port.

I'm just not sure why you seem to have that problem. Maybe it's just you. I have a boatload of agents who say differently, so maybe it's just a matter of attitude.

It's sort of like politics. Those who don't like the left will find every little thing they can to complain, even to the point of making up stuff. Same with those who don't like the right. They find everything they can to complain about the right, even when it's not even hardly mentionable.
 
I find it v


I find it very curious why 99% of agents,Fmo's , CO's data me included swear by ss billing being critical in persistency. Yet your outfits persistency with kskj who doesn't do ss billing seems magical .We all work the same leads and mostly super low income people that fill out 10 cards a yr and are bad at money management .

Why does non ss billing not affect fex yet it affects 99% of the industry ? You could say that your agents put better client with kskj . But in the end none of us which client will pay and won't pay . My theory is since kskj's rates are so low and underwriting aggressive that there replacement business is 3-5 times the industry avg . This means those people you replace are already paying and will continue paying . It's what Jd has preached for yrs wanting a card that doesn't say life ins . He wants them to have life ins so he can replace . My friends a top kskj agent and 60% plus of his business with them replacement. There also his # 1 death claim carrier . It'll be interesting to see how long they can keep some of the lowest rates with the most aggressive underwriting


You are correct.SS billing increases persistency with our people.

When I was in the home improvement business we had dealer financing. 100% no money down. A-B paper we collected the contract price. Every few years a new finance company would appear that took the C-D paper and discount the paper between 5-20%. We called them chop houses. They never lasted.

Sure,you could write just about anybody.

They always ended up folding.

People didn't pay the lender.
The houses were usually in rough shape,job cost was much higher,profits lower.

It didn't take me long to figure out to stick with better customers. People who paid cash,people who paid their bills.

Anybody can go out there and give it away,write more volume,take more UW risks. I don't care if it's bank financing,life insurance,car insurance,doesn't matter.

There will be less profit,more claims……

Why is KSKJ only in a few states ?
Why aren't they in Florida ?
What's their financial strength rating on A.M. Best ?
How come they aren't offered by man FMO's ?
 
I'm just not sure why you seem to have that problem. Maybe it's just you. I have a boatload of agents who say differently, so maybe it's just a matter of attitude.

It's sort of like politics. Those who don't like the left will find every little thing they can to complain, even to the point of making up stuff. Same with those who don't like the right. They find everything they can to complain about the right, even when it's not even hardly mentionable.

And then there are the facts.

You can't make those up.
 
I don't worship any company. I am unlike you on that too.

Why do company men not publicly tell the truth about a company? Because they are company men.

Nor is anything I say about a company personal. Unlike you I don't make it personal. I know you don't understand that. But there's a lot you don't understand.

The BS here is mostly you.

Why do you worship a pos company so much?

AmAm never did anything to me. They don't offer any value. Why is that so hard for you to understand?

Now you worry about how much I make? WTF is wrong with you?


I just called am am and was 2nd person in que and on hold less than 1 min
 
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