Equita Final Expense

Revisionist1976 said:
I was contracted under EFES in 2012. My experience with them started out ok, and quickly turned into an absolute nightmare:

The leads showed up in my initial zip code as requested - by the way, they aren't qualified for tobacco, cancer, etc., whatsoever - and they advertise qualified leads right on their website. Total nonsense - I would call places whereby the residents had moved months in advance, or in some cases, had died. And they weren't clear about their return policy either - individuals have to send lead cards back saying the person they were intended for has died in order to get credit? Who's family member is sending back lead cards saying their loved ones have passed? Total nonsense that wasn't explained to me when the EFES manager pitched me the EFES "service" over the phone.

About a week into the service, I immediately changed my mailing zip code to a city closer to me, since I was driving almost an hour and a half to my initial mailing zone. The EFES staff was very slow to reply to emails, and in a few cases my direct "marketing manager" failed to respond to emails completely regarding leads that I thought I deserved credit for. I was bewildered by it. In addition to this, there were some EFES sales materials and whitepapers that I needed additional copies of, and upon contacting my EFES manager for them, seemed to have NO IDEA what I was talking about. I exchanged 7-10 emails describing the papers they had ALREADY SENT ME and needed additional copies of, and I never got them. Couldn't download them off the website either. I was very frustrated to put it lightly.

A short while later, on a conference call with myseld and other agents, one agent did not have enough money pay for his leads, and his credit card was declined. The EFES manager on the phone demanded that we removed overdraft protection on our credit cards in the event we did not have enough cash to pay for leads - as a function of improving our "sales work ethic" - and then demanded an EMAIL CONFIRMATION from each of us saying that we had done so. I did not comply with this.

Then this happened - a fellow agent and friend of mine cancelled the service - one who operated close by to me, and at the same time, I stopped getting leads in my inbox. I received no leads for almost a month, and received a conference call from several EFES managers claiming that they were having "administrative difficulty" trying to get lead cards from the new zip code that I had requested in my first week of the service. They then told me that they had leads from my friend who was also working for EFES and wanted to give them to me. I denied these leads, requested the ones I wanted originally, and later on received a TEXT MESSAGE from my direct upline saying "We're going to move forward with giving you [agent's] leads, when I was a young agent, I too had to drive quite an hour plus" - this is all totally 100% true. I received the other agents leads anyway, and that is when I put a stop payment on my credit card, without notice to the company. I am now in a lega dispute with EFES on what I owe, and do not owe.

All of the above is 100% true. No embellishments. On top of commission chargebacks, I would be very wary of signing with EFES.
Click to expand...


A little bit of the other side of the story, Nick, you got 71 leads from EFES and only submitted $3500 ap. Do you think they should have kept mailing for you?

And obviously some of that $3500 didn't stick or you wouldn't have had charge backs.

I also know your manager was trying to help you back in Oct but you wouldn't return his calls.

It's probably a good thing for you to move away from EFES. It's not working for either of you.
 
Revisionist1976 said:
I was contracted under EFES in 2012. My experience with them started out ok, and quickly turned into an absolute nightmare:

The leads showed up in my initial zip code as requested - by the way, they aren't qualified for tobacco, cancer, etc., whatsoever - and they advertise qualified leads right on their website. Total nonsense - I would call places whereby the residents had moved months in advance, or in some cases, had died. And they weren't clear about their return policy either - individuals have to send lead cards back saying the person they were intended for has died in order to get credit? Who's family member is sending back lead cards saying their loved ones have passed? Total nonsense that wasn't explained to me when the EFES manager pitched me the EFES "service" over the phone.

About a week into the service, I immediately changed my mailing zip code to a city closer to me, since I was driving almost an hour and a half to my initial mailing zone. The EFES staff was very slow to reply to emails, and in a few cases my direct "marketing manager" failed to respond to emails completely regarding leads that I thought I deserved credit for. I was bewildered by it. In addition to this, there were some EFES sales materials and whitepapers that I needed additional copies of, and upon contacting my EFES manager for them, seemed to have NO IDEA what I was talking about. I exchanged 7-10 emails describing the papers they had ALREADY SENT ME and needed additional copies of, and I never got them. Couldn't download them off the website either. I was very frustrated to put it lightly.

A short while later, on a conference call with myseld and other agents, one agent did not have enough money pay for his leads, and his credit card was declined. The EFES manager on the phone demanded that we removed overdraft protection on our credit cards in the event we did not have enough cash to pay for leads - as a function of improving our "sales work ethic" - and then demanded an EMAIL CONFIRMATION from each of us saying that we had done so. I did not comply with this.

Then this happened - a fellow agent and friend of mine cancelled the service - one who operated close by to me, and at the same time, I stopped getting leads in my inbox. I received no leads for almost a month, and received a conference call from several EFES managers claiming that they were having "administrative difficulty" trying to get lead cards from the new zip code that I had requested in my first week of the service. They then told me that they had leads from my friend who was also working for EFES and wanted to give them to me. I denied these leads, requested the ones I wanted originally, and later on received a TEXT MESSAGE from my direct upline saying "We're going to move forward with giving you [agent's] leads, when I was a young agent, I too had to drive quite an hour plus" - this is all totally 100% true. I received the other agents leads anyway, and that is when I put a stop payment on my credit card, without notice to the company. I am now in a lega dispute with EFES on what I owe, and do not owe.

All of the above is 100% true. No embellishments. On top of commission chargebacks, I would be very wary of signing with EFES.
Click to expand...
Are these the same leads that Tim W. wrote over$450,000 in premium with in one yr.? Are they the same type of lead J.D works? How are those leads working out for Travis,Shannon, Andrew, and Dan R?
 
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