Duford Insurance Group vs. Digital BGA for Final Expense Telesales

[JRoot]

Digital BGA will make it difficult for you to leave and go somewhere else. They have you sign a non compete that you will not go to work for a competitor for one year after your employement with Digital BGA is finished. You sign that when you start.

Independent agents do not sign a non-compete. That's completely false.

When you leave, they will grant you a release but they make the new organization that you are going to, sign that they will take responsibility for any outstanding debts you have to the carriers, instead of acknowledging that you personally are responsible for those debts and not your new agency.

Like every agency, we make you pay off any debts at the carriers before we sign a release, so you won't have any outstanding debts at the carriers when you transfer.

You're misinterpreting the release form. Understand that in order to get advances, your upline technically co-signs on those advances and is responsible for any debt that you don't pay back. So if you don't pay back the advance, your upline has to. That's what the release is referring to.

It's standard release language.

 

[WinoBlues]

@CLTX
How much debit is it?
Did you write a lot of business?
Just write some different companies until you have cleared your loans. Easy.

Now, the hard part. Finding an IMO that wants you. Unless you are a superstar I can not imagine any IMOs here are going to offer you a contract. Not for asking for a release or for slamming an IMO. There have been some epic release battles here. But for making it personal. The good thing is the majority of IMOs and agents are not on this forum. And as an independent you can go anywhere you want. Traditional is not as restrictive as FE.

Do yourself a favor and delete that 'wife's post. It screams 'Karen'.

 

[walthamny]

No personal attacks please. Also if you have such temper, selling life insurance may not work out for you in the long run. This is a grind business. You need to be coachable. No one will spend time coaching you if you have temper, they will move on. Focus on the reasons why it did not work out at the IMO you are leaving. Its highly unlikely its the contract language.

 

[WinoBlues]

I have a great IMO and am not in need of a new upline. My coachability speaks for itself in the form of the pay that I have garnered before and after my time under this agency's direction. It is interesting that when JRoot ironically accused me of misrepresenting-which is not true that this did not inspire you to ask him to withdraw the hyperbole nor did you take issue with the story of David running out of the house which is mere hearsay and could also be hyperbole. JRoot is a grown man who owns an insurance agency. A joke that illustrates his mindset to make a point should not send him running to his safe place and if you think that me just being quiet after he informed everyone that my post is dishonest would keep me in the group's good graces and make people want to work with me, you, yourself are not cut out for this business as you don't understand the basic need for people(clients included) to trust you in order to work with you. As far as the Karen comment, 1) You are name calling while telling me to be more professional so it's hard to take your advice seriously when you are breaking it as you dispense it.2) if warning others of what they will realistically have to contend with, if like myself, they determine that it is time to move on from Digital BGA makes me a "karen" then so be it. JRoot still has yet to allow me to upload the release form that he has and will make your next IMO sign. Had someone warned me and had the proof to back it up I would have been grateful and not painted them as some hot tempered vindictive, uncoachable "karen"

You seem to be lumping a couple of us together.

You posted on an open forum. I assume you assumed you would get a reaction.

David, DonP (I think), and the scary bikerman, . Had you been here years ago when that story first broke you would have realized that post was a joke, hence the lol emoj and Dave's post a post or two after.

Me - you may have a point about not being cut out for this business and clients not trusting me. I definitely am not easily coachable(sp). Maybe you could give me some pointers or point out a good lead source. I keep working over the same old names. Help a brotha out.

Karen - my pointing out your Karen's was not referring to your release post but to that whiney 'wife' post. Reread what I said in my post. In the history of good release post your isn't even in the top ten, yet. But, but I see good things coming.

""I hope that your wife never divorces you...she'll probably find out in the prenup there is a clause that allows her to date other men as long as they pay for your new apartment.""


Now, about those pointers,,,,,

Thank you in advance....

 

[JRoot]

Ok this all makes sense now that I know who this is. I had assumed you were an independent agent.

Guys, [redacted] was an hourly employee whom we paid $15/hr + commission w/benefits. She also went independent with us. So we do have a non-compete as we do with all our employees but we don't enforce it and we haven't with her.

[redacted] - we released you to our good friends at Northstar. Whom I'm flying up there and spending the day with on Thursday - will I see you there? They haven't expressed any issues with our release form and we haven't held you back in any way. And this release happened 3 months ago, why are you here creating a stir?

I hope that your wife never divorces you...she'll probably find out in the prenup there is a clause that allows her to date other men as long as they pay for your new apartment.

I hope she never divorces me either! I'm incredibly lucky.

 

[Tahoe Ray]

I hope she never divorces me either! I'm incredibly lucky

Did you get her to sign your non-release form?

If so you're all good.

 

[WinoBlues]

Fine, Fine, Now to the importatant stuff. Did @Rearden ever come back or is he shacking up with that hairy Bikerman?

 

[WinoBlues]

David Duford would not have anyone sign something like that and he would not try to intimidate them into not telling the truth about his agency.

Did you ask @Rearden?

Did you sign that contract as an employee or as an independent agent?

 

[JRoot]

I redacted your name out of respect since you feel intimidated. My intention is to level the playing field. When someone posts falsely about us behind an anonymous username, the only way to have fair discourse is to understand who the person is. Luckily it was easy to figure out who you were since you said there was a non-compete and a release involved in your original comment.

Now that I know who I'm detailing with, to clarify your original comment:

1. We do not make it difficult for agents to leave. You left just fine with no hassle.

2. The non-compete comment doesn't apply to independent agents. Only to hourly/salaried agents. You were making it sound like all agents with DigitalBGA had to sign a non-compete and that's not true for 99%+ of agents.

3. As for the release form, I see the executed one you signed and here's what it says:

Does the releasing entity require that the accepting entity and its owner(s), member(s), partner(s),and/or principal(s) guarantee on a personal and corporate level (if applicable) to take complete responsibility for the full repayment of the debt obligations of the transferring entity to the manufacturers and/or releasing entity referenced in this agreement for sales that have been completed and commissions/overrides paid while producing business under the releasing entity's hierarchy?​

"Debt obligations" refers to the debt you don't pay that your upline would be obligated to pay. YOU are responsible, then your upline if you don't pay - it's universally understood. IMO's don't take exception to what you're complaining about. Some take exception to the last statement about being responsible for sales that have been completed under our hierarchy. If that's the case, we mark "no" on it and still process the request.

I've received this exact wording on release requests from other agencies. Duford and I have both signed releases with this wording to each other.

So...your smoking gun is revealed. Now what?

 

[noah]