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Sounds like the makings of a partnership of sorts. Fe guy/Gal and you. They send you the business you do do for a split and you do the same back. Clients win also.
Final Expense 4 Kidney Dialysis
- Thread starter smarshall912
- Start date
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Mutual of Omaha
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MOO is the best option for those with bad health. The plan Bob is referencing can only be sold by MOO career agents. Contracted agents don't have access to that plan. It's the one they send out to all the seniors via mail. It's cheaper than any other company and there's only a 2 year wait.
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We all agree that they are a good option if the person is REAL bad health like current cancer, AIDS etc.
Where we got off track was the agent saying he sent ALL his FE inquiries to them. That's real bad advice. Any GI company is a bad choice if the person is able to qualify for something better.
Also if the person is that bad of health and likely to die in the first two years, they are much better off being sent to the funeral home to buy funeral insurance anyway. They may make it 6 months or 1 year but not 2 years and will have a much better benefit through the funeral Preneed insurance.
If someone has a real bad health history and needs GI but is not terminally ill the MOO GI is a good choice but never say unbeatable.
Until recently I carried a GI company that had rates about 15% lower than the MOO direct product. The product was around for several years but they recently raised their rates.
No one should ever jump right to the MOO product without exploring other options first.
I think JD will agree with me that we find a lot of people on the MOO that should never have bought it and we can improve their situation buy taking them elsewhere.
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I will never refer a client to a product that cannot sell, unless I have NOTHING to sell them. That is just idiotic. If they offer it only through career agents and I can't sell it, then I will just sell them a GI product.
Nuff said.
Nuff said.
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Ooo.. low blow! LOL
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What exactly is so funny about you claiming it's idiotic to offer someone in extremely poor health the most reasonably product available because you can do nothing else? Is it idiotic because it might get you referrals? Is it idiotic because it might very well just be the right thing to do? I get that we all go out there to make a living, but if you don't have a good home for it then why bend them over the table instead of pointing them towards a decent product? To take that a step further and on to my real point, why is that idiotic?
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