Family First Life won't release me.

[Jason Hall]

Who the hell needs or wants AmAm?

I guess it's pretty popular for telesales because of their voice signature.

 

[jdeasy]

Thats assuming they get preferred with kskj . Slac won't take anyone on disability nor many ailments so that knocks out a ton . Lifeshield has very strict underwriting . Neither of the last 2 carriers will touch inhalers . They both got very strict ht/wt . I have contract with both and rarely right . If kskj were in my state I'd write it . Gcu has crap billing but i use for ages 50-60.

Beside AmAm's anti military stuff, meaning I'm not even talking about that, they are one of the 2 or 3 worst companies I've dealt with in my career. They are down there with Americo and LH.

FEX gets agents coming in from other IMO's singing the praises of AmAm. They aren't with FEX long before they realize they have been fooled by the previous IMO.

 

[jdeasy]

Thats assuming they get preferred with kskj . Slac won't take anyone on disability nor many ailments so that knocks out a ton . Lifeshield has very strict underwriting . Neither of the last 2 carriers will touch inhalers . They both got very strict ht/wt . I have contract with both and rarely right . If kskj were in my state I'd write it . Gcu has crap billing but i use for ages 50-60.

I'm not assuming anything. I've written all of those companies. I know which companies make my job harder and which ones make my job easier. AmAm makes my job harder.

 

[BibH]

Lol . We can agree to disagree right JD? If you didn't have kskj what would your go to be ?

 

[jdeasy]

Lol . We can agree to disagree right JD? If you didn't have kskj what would your go to be ?

Good question. After RNA blew up I made Trinity my go to. But that just wasn't going to work long term for me. I was looking for a company when FEX picked up KSKJ in 2015. I think I was the first FEX agent to write them.

I don't have a number 2. Never have. I use one company. It was RNA for 6 years. It's been KSKJ for 6 years now. My number 2 is whomever will take the reason I can't use my number 1. Usually that's because of DE. Or sometimes they are maxed out with KSKJ FE and not FU candidates so I go with someone else.

I'm not allowed to use Trinity for insulin users or DE so it's usually not them. I've written 2 trinity applications this year. One yesterday. And it was FU.

I probably wouldn't have a goto at this point if KSKJ stopped. I would just shut off my leads and wind down. I pan to do that anyway in less than 2 years so I would just speed up that process. But I don't think KSKJ is going anywhere.

 

[Todd King]

Hey David, thanks for replying. FFL has this lengthy one-sided release contract in order to release anything and it must be signed by the agent and the new IMO. It's pretty ugly. The carrier in particular is AmAm, but again, FFL won't release any carriers without this one-sided contract signed.

For Aetna, I was just planning on waiting for 6 months with no activity. Is this okay, or is there something I should do differently?

That sounds like a reciprocal release agreement. Nothing unusual about that at all. I'm sure the new IMO would sign it.

 

[Jason Hall]

That sounds like a reciprocal release agreement. Nothing unusual about that at all. I'm sure the new IMO would sign it.

I already checked. They won't sign it. The agreement basically says that I can't sue them, but if I publicly criticize them (which they could say I'm doing now, but that's not my intent), they could sue me and I would be responsible for all of their "reasonable" attorney fees, which we know are never reasonable.

 

[Todd King]

I already checked. They won't sign it. The agreement basically says that I can't sue them, but if I publicly criticize them (which they could say I'm doing now, but that's not my intent), they could sue me and I would be responsible for all of their "reasonable" attorney fees, which we know are never reasonable.

I see. Then just wait it out.

Besides that, it's much to fun to point out FFL's stupidity and shenanegans.

It must be just with your particular upline, because we've gotten many releases from FFL for agents leaving them.

 

[WinoBlues]

Needing to be released from a contract you didn't sign is a dirty deal between the companies and the IMO's. Crooked piece of sh!t IMO's won't release.

It won't stand up in court but by the time you get a ruling on it 6 months will have passed. They know that so they just do it anyway.

Dirty, lying, cheating scumbag IMO's!!. Never, ever contract with an IMO that won't release!!

But to answer your question, they can only hold up the contracts you were dumb enough to put under the liars.

Contracts you have elsewhere they can't rob.

 

[Jason Hall]

It must be just with your particular upline, because we've gotten many releases from FFL for agents leaving them.

Either that, or they just changed the contract and process because they have a ton of high producing agents and teams leaving FFL right now. I do wonder though if some uplines just sign the release themselves, instead of sending it to corporate to sign.