FE persistency

[Jccwell]

Service I mean answering the phone pretty fast. Service I mean if there's a nsf draft I can call up and get it redrafted myself without the client on the phone (Many carriers want client on phone). Service I mean the drafting of premiums on social security billing is awesome . Service I mean client didn't get a policy resend one out . Service I mean send client or me this they do it fast. Service they send policy's after issue out fast . Now other co's you need in your bag are rna and trustage american memorial for super aggressive underwriting ( Trustage customer service and drafting not very good). And I just got contracted with cica as they take crap nobody can believe level .

Finally jumped on the CICA boat, huh?

Disagree with needing RNA and Trustage. At this point, you've named AmAm, RNA, Trustage, and CICA (who you haven't used yet). So you're recommending companies that every MLM leads with... plus a company you haven't written yet.

Also, you didn't bother to disclose that you're mostly focused on Medicare. Before speaking definitively, you probably should have noted that you're not focused on FE, like other agents in the forum.

 

[MedicareMutt]

You speak for most? I think not.

FEX has well over 2000 agents. And many come to FEX singing the praises of AmAm for about a month. Once they realize there is a whole world out there of better FE companies they quickly ditch AmAm.

Worst agent service this side of SNL. Worst customer service out there right now. On hold longer than with Trans. Last call I made to them I was number 50 in the que.

And it has nothing to do with KSKJ. That's your obsession. You love to tout the unusable companies. You used to get your panties in a wad over Trans. Now it's AmAm.

Try out a good company for once and open your eyes. No wonder you whine about everything all the time. You are using junk companies. I see why the sky if falling in your world. It actually is.

Don, can you guys chill with the acronyms ...what is FEX, KSKJ,etc ... second, because you're saying what I want to hear possibly ..., forget about customer service for a moment, what about medical u/w (underwriting) with Amicable vs. other carriers .. in terms of who gets a modified offer vs. standard ... or are there differences between carriers in this regard and what do you mean "unusable ..?"

 

[jdeasy]

Gordon marketing has 25k agents . I think I recall 3-4 years ago Scott saying fex does $10 mil of premium . Don't get me wrong that's a good size shop but only a small % of those 2000 fex agents you speak of do over $100k of premium . As I told you I know some fex agents . And like I said you can talk all day long about am am's service but your fos . Agents left and right sing the praises of them . Hell as I recall you dislike family benefit /Trinity . Jd you measure a company by its rate because your a replacement artist . It's funny me and many agents don't have a problem being replaced with these so called crap co's you speak of .

Thank you for the replacement artist comment!!

But you have no idea what I value in a company.


And no one at FEX sings the praises of AmAm.
It's the opposite. They say far worse than I say

 

[jdeasy]

"Replacement artist ..."

He meant that as a compliment. And I took it as one.

There is definitely an art to mastering replacements. And I have mastered that art.

 

[jdeasy]

Don, can you guys chill with the acronyms ...what is FEX, KSKJ,etc ... second, because you're saying what I want to hear possibly ..., forget about customer service for a moment, what about medical u/w (underwriting) with Amicable vs. other carriers .. in terms of who gets a modified offer vs. standard ... or are there differences between carriers in this regard and what do you mean "unusable ..?"

FEX is an FE IMO. The best FE IMO I might add.

KSKJ is probably the best overall FE company out there. Considering rates, underwriting, agent and customer service.

AmAm is among the worst. Absolute terrible customer service. Don't believe the pimps.

Just give AmAm a call Monday morning and see for yourself how long you are on hold.

Then call Mofo and see about them.

 

[MedicareMutt]

FEX is an FE IMO. The best FE IMO I might add.

KSKJ is probably the best overall FE company out there. Considering rates, underwriting, agent and customer service.

AmAm is among the worst. Absolute terrible customer service. Don't believe the pimps.

Just give AmAm a call Monday morning and see for yourself how long you are on hold.

Then call Mofo and see about them.

hard to know what to think sometimes ... I know there are agents out here making good money selling garbage such as Lincoln heritage ... some crow about Am Am ... others poop on it ... I'm not concerned with the customer service end of it because I wouldn't be dealing with that ... I'm wondering if there ever is a time when they are competitive in terms of coverage / price over other carriers ... would they approve when other less expensive carriers would not, etc ...

 

[rousemark]

hard to know what to think sometimes ... I know there are agents out here making good money selling garbage such as Lincoln heritage ... some crow about Am Am ... others poop on it ... I'm not concerned with the customer service end of it because I wouldn't be dealing with that ... I'm wondering if there ever is a time when they are competitive in terms of coverage / price over other carriers ... would they approve when other less expensive carriers would not, etc ...

You may not deal with the CS but your clients will and if they are not happy you will lose their business. Plus, a company that has poor customer service also has poor agent service.

 

[MedicareMutt]

You may not deal with the CS but your clients will and if they are not happy you will lose their business. Plus, a company that has poor customer service also has poor agent service.

Skid, I get it ... what I'm wondering is ... let me give you an example ..? So, i'm watching this ytube vid. and this Lincoln rep. comes on and talks about how 1 of her people was on the phone trying to convince a prospect that it would be worth their while to switch from a M.O.O policy with a 5K face to a Lincoln policy with a 1500 face for the same premium for the sake of having the FCGS in their corner ... quite a gulf in value i reckon ... are their carriers that would be that much better when compared to Amicable? If so, would Amicable ever have more lenient U/W in such a case ..?

 

[Jccwell]

hard to know what to think sometimes ... I know there are agents out here making good money selling garbage such as Lincoln heritage ... some crow about Am Am ... others poop on it ... I'm not concerned with the customer service end of it because I wouldn't be dealing with that ... I'm wondering if there ever is a time when they are competitive in terms of coverage / price over other carriers ... would they approve when other less expensive carriers would not, etc ...

They're a middle of the road product. Their tobacco rates are good, which is about the only time I've seen them be a lower-priced option. Even then, a price buster company will make them easily replaceable.

Customer service is important. You'd be surprised how many folks try to handle things themselves. And calling AmAm will likely result in them having hold times of 30+ minutes. Not great for persistency or customer satisfaction.

That being said, they are agent friendly. In other words, they make it easy for agents to handle payment issues, policy changes, etc. And they accept agent notes on the application, which can get some tougher cases approved.

 

[Jccwell]

Skid, I get it ... what I'm wondering is ... let me give you an example ..? So, i'm watching this ytube vid. and this Lincoln rep. comes on and talks about how 1 of her people was on the phone trying to convince a prospect that it would be worth their while to switch from a M.O.O policy with a 5K face to a Lincoln policy with a 1500 face for the same premium for the sake of having the FCGS in their corner ... quite a gulf in value i reckon ... are their carriers that would be that much better when compared to Amicable? If so, would Amicable ever have more lenient U/W in such a case ..?

You're overthinking this. Just go get AmAm. Write them yourself and see how you like them.

They don't do anything special. They'll accept some tougher cases on occasion with agent notes (i.e. inhalers but no COPD and heavy heart meds but no CHF). But I don't recommend picking up a company for the occasional tough case, unless you're a full-time FE agent.

JD already told you KSKJ is much better priced with more lenient underwriting compared to AmAm.