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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.