FE without SSN

No one carrier is perfect for everyone.

And there's one that's suitable to no one: Senior Life.

They have such a dishonest approach to business and their agents. The video in your sig is just the bare legal edge of a flat out lie.

Video: "Every single agent can earn 150%..."

Sure. All you need to do is recruit an army of agents racking up $18 million a year in FE (per the comp schedule you posted). Then you can sell a policy and get 150%.

What a joke.
 
And there's one that's suitable to no one: Senior Life.

They have such a dishonest approach to business and their agents. The video in your sig is just the bare legal edge of a flat out lie.

Video: "Every single agent can earn 150%..."

Sure. All you need to do is recruit an army of agents racking up $18 million a year in FE (per the comp schedule you posted). Then you can sell a policy and get 150%.

What a joke.

Flat out lie? How so? It clearly states what is needed to earn up to 150% FYC. Agents' commission is not controlled by their upline, but is controlled by their own personal/team production. Is your commission level controlled by you or by your upline? No one says it's easy. I get it, you jusy want to argue.
 
His commission level could be the same as mine, but never higher. With this structure a good producing agent/mgr can not be held back by their upline. What's good is that you only have to qualify one time for your increase in commission to be locked in, not qualify every month.

View attachment 9887
I think you would agree with me that there are SL agents who were either assigned to or recruited by other non-producing, unknowledgeable agents, who had absolutely nothing to do with the growth nor productivity of their downline agent. However, the production from one or two agents propels their upline's commission level. The question remains, why does the upline agent continue to be rewarded for something he contributed nothing to, other than his signature and being in the right place at the right time?
How does the productive agent get released from seemingly is unfair, especially since he can never get a contract higher than his useless upline?

I think these are fair questions.
 
In case you don't know JD he's one of the most argumentative agents up here. He's quite knowledgeable but does more criticizing than contributing.
I think we all would agree that his production speaks for itself, without the need for self-promotion. I have found him to go over and beyond in his contributions, personally.
I have found him to be highly critical/argumentative only to those who have thrown the first stone. In those instances, he will take off the gloves, or lace them up, whichever way you like it. He has allowed video interviews of him to surface and be shared with anyone who can get something out of them, which I've found very helpful. There aren't too many producers at his level doing that. I have never observed him to exaggerate, embellish, or spin an untruth.
I'm not kissing his ass, but there are many high level producers who don't give anything back. I am basing all of this on personal observations of him. He doesn't know me and I don't know him. Just my opinion from an outside view looking in.
 
In case you don't know JD he's one of the most argumentative agents up here. He's quite knowledgeable but does more criticizing than contributing.


Not true again. But I'm amused you constantly think of me.

But I've never argued with anyone that didn't start it. I'm a closer, not a starter.

You should learn that.
 
Sr Life will
SL, and a few others, have been known to accept applications w/o a SSN. In the event of death, could this present a problem for both the carrier and beneficiary? For example, let's say an insured answers questions on the app to the best of their recollection, or the owner of the policy answers for the insured. Since no SSN was known or provided at the time of sale, SL could not perform a proper Rx check. As a result, the insured qualifies for Immediate Benefits/ Day 1 coverage. One year later, insured dies due to illness. SL contests the claim. The death certificate has the insured's SSN and after investigation, SL would have issued the policy with Limited Benefits or a waiting period. The beneficiary is expecting the full face amount. SL will only return premium + interest. What if an unscrupulous agent clean sheets the app, leaving the SSN blank intentionally to prevent losing a sale? What is SL's position when death occurs within 2-3 years due to illness in situations like this?
 
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