Considering replacing SNL

[jdeasy]

I don't sell on price like you . I sell the value of me .Am Am's middle of the road at some ages . So that's value . In mapd if I chased the shiniest coin every yr I'd be in the mental ward . I ask them one question . " Mrs Jones do you know who to find a dentist or otc items ? Have you got your glasses yet ? I give them names and I answer the phone . I provide value which keeps them loyal to me as there will always be a little shinier coin .You obviously do well the way you sell and so do I . No way is wrong or right if it works for you .

Then why does it sound like an insult?

Seriously, why couldn't they have you and the best price?

Do you provide different levels of customer service based on how much they pay?


But why wouldn't you sell on price?

That argument has never made sense to me.

 

[jdeasy]

What about the FEX agebt that is AmAm's top agent?

He doesn't have his AmAm contract under FEX. But that doesn't matter. I would give it to him but he's a few states away. This lady doesn't want to deal with it by phone. She wants the agent to come see her.

She prefers that I'm there too. Which is ok with me if I could find an agent.

 

[Todd King]

That's right. Make it about me. I can take it.

I guess AmAm is really smart to know I'm with their customer when they call. That's amazing.

But your job is propaganda so continue on.

Propaganda? Let me make this clear, I like Scott and wish him the best success he could possibly have, so don't think for one second that I'm putting down FEX. I don't even want to come across as hating on FEX.

When I say it's about you, it's because I whole-heartedly believe you're lying and making up these long waits in the que that you're talking about. Why do I think that? Well, I myself and many of my agents know differently.

Hell, I'm not even really trying to stick up for Am Am that much. I could care less what you think of them, or anyone else for that matter. However, when you just make up things to fit your agenda, then I'm going to call you out!

 

[nfl72]

JD and Noah went up the hill, each with the same lead and a quarter,

JD came down with an app, a new lead, and a fitee cent piece,

that fricken whore!

 

[jdeasy]

Propaganda? Let me make this clear, I like Scott and wish him the best success he could possibly have, so don't think for one second that I'm putting down FEX. I don't even want to come across as hating on FEX.

When I say it's about you, it's because I whole-heartedly believe you're lying and making up these long waits in the que that you're talking about. Why do I think that? Well, I myself and many of my agents know differently.

Hell, I'm not even really trying to stick up for Am Am that much. I could care less what you think of them, or anyone else for that matter. However, when you just make up things to fit your agenda, then I'm going to call you out!

Then kiss my ass you phony!!

I called the number today and was 25th in que.

I'll record the next one and post it here if I can.

I'll prove who the liar is.


They even say on their recording when they answer to expect long hold times.

 

[noah]

Who is telling you that SS billing is such a big deal for persistency? It's recruiters that are trying to recruit agents for companies that offer that. It's a selling point if you make it one. In reality it's a nice feature and it's definitely something you want if you're taking debit express cards. But we sold for many years without having that and had good persistency.
Social Security billing is nowhere near as important to keep in your business on the books it's just selling good rates to start with. If you have someone who is completely dysfunctional with their finances they're going to have a debit express card. And yes I agree if you take debit express cards you better have Social Security billing. But for companies that don't take debit Xpress cards it's not really that big of a deal.

if you think that A company that accepts debit ExpressCard payers


Social Security drafting has never been considered "critical" for persistency except for the people who are financially dysfunctional which luckily most of them are on debit express cards. If a company accepted debit express cards and didn't have SS drafting, that would be a mistake.

But if you think Social Security draft dates are anywhere close to as important as having really competitive premiums on the monthly checking account draft payers, you are just buying into recruiters sales pitches.

You realize we've sold for years and years without even having Social Security draft dates don't you? Was persistency horrible then?

Social Security draft dates are just nice to have. They aren't necessary. Except for the people that banks will not deal with because they're so dysfunctional.

always remember that when anyone tells you they don't trust banks, what they are saying is that banks don't trust them.

SS billing is especially important for low income payers who have been paying by check or money order when I replaced a policy or they haven't had experience with bank drafts.

Companies that offer SS billing seem to tuned into our kind of people,companies who do not offer SS billing less tuned in.

Facts.

 

[noah]

I don't sell on price like you . I sell the value of me .Am Am's middle of the road at some ages . So that's value . In mapd if I chased the shiniest coin every yr I'd be in the mental ward . I ask them one question . " Mrs Jones do you know who to find a dentist or otc items ? Have you got your glasses yet ? I give them names and I answer the phone . I provide value which keeps them loyal to me as there will always be a little shinier coin .You obviously do well the way you sell and so do I . No way is wrong or right if it works for you .

Does it seem like agents who sell on price do it because one of two things:

They are weak,can't sell ?

Induce the client to get the CV and replace ?

 

[DonP]

Does it seem like agents who sell on price do it because one of two things:

They are weak,can't sell ?

Induce the client to get the CV and replace ?

Jd will admit 50% of his business is replacement . Honestly when you have such a cheap product it's not hard to replace . The key is not just the price but the aggressive underwriting. So most of what he runs into thats less than 4-5 yrs old he can replace it on price .Here's the bottom line . I rarely have ever gotten replaced . If I were getting replaced left and right would I sell am am ? Hell no . That's why I think how you sell matters so much .

 

[Newby]

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

Who is telling you that SS billing is such a big deal for persistency? It's recruiters that are trying to recruit agents for companies that offer that. It's a selling point if you make it one. In reality it's a nice feature and it's definitely something you want if you're taking debit express cards. But we sold for many years without having that and had good persistency.
Social Security billing is nowhere near as important to keep in your business on the books it's just selling good rates to start with. If you have someone who is completely dysfunctional with their finances they're going to have a debit express card. And yes I agree if you take debit express cards you better have Social Security billing. But for companies that don't take debit Xpress cards it's not really that big of a deal.

if you think that A company that accepts debit ExpressCard payers and it's priced as a mid packer, is ever going to be as persistent as a company that's priced lower and doesn't accept debit express cards, well I'd like to see the date on that. Because I would never even assume that they would be comparable.

SS billing is especially important for low income payers who have been paying by check or money order when I replaced a policy or they haven't had experience with bank drafts.

Companies that offer SS billing seem to tuned into our kind of people,companies who do not offer SS billing less tuned in.

Facts.

I have no idea what you are saying. They pay by money order? But only on SS draft dates?
Noah, if you think it's important then it is important. To you. To others, it isn't.
I can tell you we write mega-millions a year with KSKJ. They do NOT do SS draft dates. Out AVERAGE agency persistency at the 12th month is over 90%. Many of the high producing agents are at 95% or above. How much better do you imagine that getting if they add SS draft dates. Which it won't be a bad thing if they do. It's a welcome feature. But not a game changer. Except for the debit express people.

 

[DonP]

Who is telling you that SS billing is such a big deal for persistency? It's recruiters that are trying to recruit agents for companies that offer that. It's a selling point if you make it one. In reality it's a nice feature and it's definitely something you want if you're taking debit express cards. But we sold for many years without having that and had good persistency.
Social Security billing is nowhere near as important to keep in your business on the books it's just selling good rates to start with. If you have someone who is completely dysfunctional with their finances they're going to have a debit express card. And yes I agree if you take debit express cards you better have Social Security billing. But for companies that don't take debit Xpress cards it's not really that big of a deal.

if you think that A company that accepts debit ExpressCard payers and it's priced as a mid packer, is ever going to be as persistent as a company that's priced lower and doesn't accept debit express cards, well I'd like to see the date on that. Because I would never even assume that they would be comparable.

I have no idea what you are saying. They pay by money order? But only on SS draft dates?
Noah, if you think it's important then it is important. To you. To others, it isn't.
I can tell you we write mega-millions a year with KSKJ. They do NOT do SS draft dates. Out AVERAGE agency persistency at the 12th month is over 90%. Many of the high producing agents are at 95% or above. How much better do you imagine that getting if they add SS draft dates. Which it won't be a bad thing if they do. It's a welcome feature. But not a game changer. Except for the debit express people.

Well Scott your going against what most of the industry says . What your saying makes zero sense . We all know that most fe customers are very low income living hand to foot . Your saying if they get paid on Friday and the company doesn't take out until Monday that's ok ? That's not what I nor any of my friends have experienced. Personally I believe your persistency with kskj is good because I bet 50% of their business is replacement . And we all know if somebody was paying before and you replace it they'll keep it .