FE Companies for OVER THE PHONE Sales ?

Just updated this list.

Pretty soon it might include the majority of the major FE companies.

Which FE companies are NOT on this list (not offering otp ) but offer better or more competetively priced products/plans ?

As I am compiling this list (to decide which to go with) - also included GI fe companies but these are not necessarily offered over the phone.


FE companies offering over the phone sales.
Baltimore Life
Lincoln Heritage
Senior Life
Standard Life
Madison National
Am Memorial
Equitable
Baltimore Life


FE companies offering e-apps
Assurity Life
Fidelity


(these are not necessarily over the phone)

FE companies - guaranteed issue
Presidential Life
UHL


Any others ?

How about good contracts for these companies?
(or direct?)
 
Just updated this list.

Pretty soon it might include the majority of the major FE companies.

Which FE companies are NOT on this list (not offering otp ) but offer better or more competetively priced products/plans ?

As I am compiling this list (to decide which to go with) - also included GI fe companies but these are not necessarily offered over the phone.


FE companies offering over the phone sales.
Baltimore Life
Lincoln Heritage
Senior Life
Standard Life
Madison National
Am Memorial
Equitable
Baltimore Life


FE companies offering e-apps
Assurity Life
Fidelity


(these are not necessarily over the phone)

FE companies - guaranteed issue
Presidential Life
UHL


Any others ?

How about good contracts for these companies?
(or direct?)

On your GI list you may want to add the Near GI companies also. such as UHL and Columbian MDO
 
If Am Mem street is 110%, I don't know a single agent who has that low of a contract. And lifetime renewals are much higher than what you stated also.

You need to shop your AmMem contract a little bit.

I stand by my original statement. They pay the highest commissions to MOST agents.

Please post a copy of their alleged "street" commission schedule. Otherwise, don't argue with Joe Cool :cool:
 
Please post a copy of their alleged "street" commission schedule. Otherwise, don't argue with Joe Cool :cool:

All have to do is search the forum for old American Memorial recruiting threads to see that high contracts are available for them.

When I recruited agents for them, my agents were ALL independents. I did not offer them free or discounted leads, extensive training, office space or other high overhead things. I was told that I should give ALL agents under that type contract a 115% with 8% lifetime renewals.

That was a street contract for a completely independent agent with no experience required. If an agent had proven experience for several years we could offer more attractive levels.

If an agency is giving free or discounted leads, office space, or hands on field training they can certainly offer less as they have more overhead. I have seen commission levels going as low as 50%.

I stand by my statement that American Memorial is usually the highest commission contract that most agents have available when you consider the lifetime renewals. The company wants the high commission levels passed on to the agents so they keep it at the front of their mind for cases where they are a good fit.
 
If you have Am Memorial, why don't you just post the commission schedule?

What do you mean IF I have Am Memorial? Do you think I get my jollys saying I'm appointed with companies that I'm not?

I'm not going to post the commission schedule because it's for agent use only plus you need to get it from your upline.

If you have American Memorial and you have no debt to them and do not cost your upline any money with leads or other stuff, you should have no problem getting a good contract level with them.

You can either prove me wrong or prove me right. It doesn't really matter to me.
 
I just called American Memorial and found out something very unusual!

They don't actually have a "street level" that is set by the company. They tell me that is actually set by the upline!

Who knew?!
 
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