Dave Ramsey

[nfl72]

"Tell them that they can't get term because they are too fat, disabled & the oxygen use doesn't help either"



you just described about 2/3rds of the leads I got last month!

 

[TIGIJ]

How do you guys deal with the Dave Ramsey type objection? People who refuse to buy whole life and demand on buying term. It seems this would hurt us as fe agents selling whole life. I have run into a few people who were very headstrong with the Dave Ramsey idea of term and wouldn't even listen if I mentioned whole life.

i sell them a term. If the want term I give them term. I will then see them in Ten years and re visit WL.

 

[+zeek13]

Looks like nfl72 does not have a high opinion of his customers. If that's the case sell only to the rich and forget final expense. You are the same guy who thinks he knows all about AARP through New York Life which obviously you don't

 

[Biggin]

Looks like nfl72 does not have a high opinion of his customers. If that's the case sell only to the rich and forget final expense. You are the same guy who thinks he knows all about AARP through New York Life which obviously you don't

Oh, brother. If you spend all day going in and out of these people's "houses" you have to have a sense of humor about it. I don't need to "have a high opinion" of my clients to sell to them. I've sold to rich people that i respect and rich people I don't. My job is to sell, not to "have a high opinion" of someone.

 

[YWEAVER]

I still have a term life insurance policy that was written when Primerica was A.L.Williams. I remember being invited to go to a 'meeting' to listen to the 'sales pitch' to convince people to switch from their whole life to term. Now I wish I would have gotten in when they were A.L.Williams, but it seemed like it was a pyramid scheme back then.

 

[dcbako]

Sometimes people have their mind made up, and are closed off to new concepts. In these cases, I'll give my 2 cents, but ultimately, I'll give them what they want.

 

[WinoBlues]

I still have a term life insurance policy that was written when Primerica was A.L.Williams. I remember being invited to go to a 'meeting' to listen to the 'sales pitch' to convince people to switch from their whole life to term. Now I wish I would have gotten in when they were A.L.Williams, but it seemed like it was a pyramid scheme back then.

How long have you had it? Seems it should be terming out soon. I used to complete with them in the 80s and early 90s.

Welcome,

Lee

 

[YWEAVER]

Hi Lee,
My husband and I have had it since the early 90's. It's 100,000 with a 10,000, rider for our son 56.00 premium a month. Yeah, it's about to term out, so since I make the financial decisions, I'll have to see what I'm going to do, now that my son is 21. I don't think I need to a have that 10,000 rider for him? But I still like the term policy because I can get more insurance for the premium.

 

[Newby]

Hi Lee, My husband and I have had it since the early 90's. It's 100,000 with a 10,000, rider for our son 56.00 premium a month. Yeah, it's about to term out, so since I make the financial decisions, I'll have to see what I'm going to do, now that my son is 21. I don't think I need to a have that 10,000 rider for him? But I still like the term policy because I can get more insurance for the premium.

You can get more insurance for the premium if you get away from AL William/ Primerica all together.

 

[Mattschmidt]

Hi Lee,
My husband and I have had it since the early 90's. It's 100,000 with a 10,000, rider for our son 56.00 premium a month. Yeah, it's about to term out, so since I make the financial decisions, I'll have to see what I'm going to do, now that my son is 21. I don't think I need to a have that 10,000 rider for him? But I still like the term policy because I can get more insurance for the premium.

I would contact Winoblues, and have a serious discussion.

His knowledge of insurance is amazing. He's also one of the few good apples on this forum.

He would be more than happy to assist your family.