FE Company Trips

[rousemark]

What is an outlier?

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One that stands apart from all other members of a sample. In other words, she is different from almost any other FE agent.

 

[jdeasy]

What is an outlier?
Too bad she doesn't share her methods. It would be awesome having a mentor like her.


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I meant she is the exception to all the rules, the aberation.

She really doesn't have any secrets. That's something you learn over time in this business, the secret is that there are no secrets. It's just about doing the work.

FE is a fairly simple product to master. it's learning the market that is the hard part. Most agents never figure out the nuances of the FE market and that's why they don't make it.

She is working a targeted market and has gained the trust of the black community there. She has become over time the go to person for "burial plans" there. She sells a bunch of $25-$30/mo policies. She will help people open a bank account. She stays on top of her business and no one is gonna go in there and take her business.

 

[BenS]

And for any independent producer out there that likes to spread his production between 5-6 companies, I finally found an IMO that will pay for your trips based upon all production. This is the first IMO that I found who actually take care of their agents by doing this and not force them to write with one carrier

And which imo would that be?

 

[pcbinsurance]

"Originally Posted by susang
What is an outlier?

.
One that stands apart from all other members of a sample. In other words, she is different from almost any other FE agent. "
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You see, you have rare outliers out there....and if you read enough threads, you will find many out and out liars.

 

[Rearden]

Probably the reason why she's an outlier is that she's fearless.

This isn't a tough business; like JD said -- there aren't no well-kept FE secrets. Well, if there are secrets, you can find them out with a few hours on the insurance-forums, a ride-along with a pro, and a decent Brain Tracey sales book.

It's maintaining the proper behavior -- over long periods of time -- that differentiate the winners from the losers.

 

[TPAAgent]

I haven't been on that many, but the RNA trip to Hawaii was first class all the way. We stayed at the four Seasons maui. Everything was taken care of from greeting you at the airport and taking care of all luggage and transportation.

Many excursions to chose from. Excellent dining and entertainment. They gave every attendee and their guest a pair of Maui Jim sunglasses of your chosing.

I don't see how they could have made it nicer. Many of the agents there had been on other company trips, including to Hawaii, and said it was by far the best on they ever attended.

It certainly was the best I've ever gone to, but as I said, my experience is limited.

I would imagine that this trip to ireland with Americo will be great, but I won't make that one.

Intresting your rolling with Americo- Something about those prices I just aint diggin- Is that Americo business sticking? Whats the pros of that company and why them over RNA? I've only written one in 6 years.. No PHI? How many times do you find Americo actually requesting a PHI?

 

[jdeasy]

Intresting your rolling with Americo- Something about those prices I just aint diggin- Is that Americo business sticking? Whats the pros of that company and why them over RNA? I've only written one in 6 years.. No PHI? How many times do you find Americo actually requesting a PHI?

Americo took a 15% rate reduction on Ultra I about a year and a half ago. That makes their rates competitive with just about everyone now.

Americo has very good smoker rates. Especially for men over 60 where RNA is just out of the question. Plus Americo will do non tobacco for pipe and cigar smokers as well as dippers and chewers.

Plus, I love the no PHI. I hate doing POS interviews. Americo does them at random and I tell every client to expect one, but I can't remember the last they did one. Maybe one in 25 gets ones, if that often?

My Amercio business stays on the books just as well as any other company. No reason why they wouldn't. I only use them when it's clerly better for the client. If everything were equal I would use RNA even with the POS interview.

 

[TPAAgent]

Americo took a 15% rate reduction on Ultra I about a year and a half ago. That makes their rates competitive with just about everyone now.

Americo has very good smoker rates. Especially for men over 60 where RNA is just out of the question. Plus Americo will do non tobacco for pipe and cigar smokers as well as dippers and chewers.

Plus, I love the no PHI. I hate doing POS interviews. Americo does them at random and I tell every client to expect one, but I can't remember the last they did one. Maybe one in 25 gets ones, if that often?

My Amercio business stays on the books just as well as any other company. No reason why they wouldn't. I only use them when it's clerly better for the client. If everything were equal I would use RNA even with the POS interview.

Thanks for that- Fast issue? 48 hours? do they pay weekly or daily?.. been so long cant recall- thanks again.. maybe I need to blow the dust off my Americo brochures and try them again...

 

[jdeasy]

Thanks for that- Fast issue? 48 hours? do they pay weekly or daily?.. been so long cant recall- thanks again.. maybe I need to blow the dust off my Americo brochures and try them again...

They issue pretty quickly. 2 to 3 days on average. if it's not issued that fast there is an issue with the app as I learned by doing. If it sits on Agent Cafe for more than 2 days it will most likely not be issued immediate coverage.

They pay daily. You would need to get new pricing info from them. They didn't change the rates on Ultra II and III. Only on I. They have new apps in most state now as well. Pretty much the same old app, but they did loosen underwriting to where maintenence drugs are not considered "treatment" and also MS can get immediate coverage and also a pacemaker or defibulator.

I still don't like that they do an Rx check, but don't have agents put the meds on the app or give us a prescription indicator list.

I do like to use them, though. There is a screwy deal with EFES on renewals and that keeps me from using them more.

 

[TPAAgent]

They issue pretty quickly. 2 to 3 days on average. if it's not issued that fast there is an issue with the app as I learned by doing. If it sits on Agent Cafe for more than 2 days it will most likely not be issued immediate coverage.

They pay daily. You would need to get new pricing info from them. They didn't change the rates on Ultra II and III. Only on I. They have new apps in most state now as well. Pretty much the same old app, but they did loosen underwriting to where maintenence drugs are not considered "treatment" and also MS can get immediate coverage and also a pacemaker or defibulator.

I still don't like that they do an Rx check, but don't have agents put the meds on the app or give us a prescription indicator list.

I do like to use them, though. There is a screwy deal with EFES on renewals and that keeps me from using them more.

COPD meds (inhaler) - immediate?