Final Expense Coverage to Age 95?

[jdeasy]

Oh get off your high horse already dude

.

Awesome dude



I know, you mentioned it twice already- I get it


Yup, thousand of agents that sale planright and you're the only one that knows the product..

riiiiight

If what I said hurts your feelings, deal with it.

As far as knowing the product better better than others, I don't and don't claim to. I asked you if you told them it took two years to go into effect. I didn't ask you if you knew that was the way it is. I sat in a meeting with about 20 Foresters agents a while back and none of them were telling the clients that it was a two year wait.
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JD, the $4k or 2k grant is not deducted from the face amount. It is a grant not a loan against the face amount and does not reduce it at all.

If they are terminal and access the terminal illness benefit then of course that will reduce it (accessing their DB early in essence).

At the meeting I attended with the Foresters reps they told us it was an accelerated benefit and would be taken off the face if they used it.

If that's wrong, I was told wrong. It's not a big deal to me. I don't use that as a selling point with Foresters. I mention it after the fact as an "oh, by the way it also has this stuff".

I did that a few months ago on the legal aid thing they have for a will kit. The client had a hell of a time accessing that and called me about it. I spent half a day helping her get that paperwork and then the lawyer that Foresters will pay for is 200 miles from the lady. I won't ever tell anyone about that benefit again.

 

[TPAAgent]

As far as knowing the product better better than others, I don't and don't claim to. I asked you if you told them it took two years to go into effect. I didn't ask you if you knew that was the way it is. I sat in a meeting with about 20 Foresters agents a while back and none of them were telling the clients that it was a two year wait.

Who cares?, its a free benefit aint it?

Why all the negative waves Debbie Downer?

Ya damn right I pitch it- its a great selling point and a free benefit that no ther companies offer.. BTW- FREE, means they dont have to pay for it- in fact they dont even have to use it if they dont want to.. But its nice to know that if they need it, they can

 

[GoCubsGo]

Check this ad from page 30 of the Agent's Sales Journal. Ages 0-99

 

[Fisher]

I'm gonna have to open up my ASJ, apparently. Latest issue?

 

[GoCubsGo]

I'm gonna have to open up my ASJ, apparently. Latest issue?

Yep, March. I don't think I have ever even met anyone in their upper 90's.

Guaranteed Issue, to age 99 with immediate death benefit. WOW

 

[Fisher]

No, but I've got plenty in their 80s that would possibly benefit from the GI aspect. Depending on the 'catch' aspect.

 

[360]

Everyone pitching the "to age 99" etc. is just marketing NGL. It has it's place, they just don't tell you the to age 99 part is single pay. It's ads like that which make me not want to call someone.

 

[Newby]

Everyone pitching the "to age 99" etc. is just marketing NGL. It has it's place, they just don't tell you the to age 99 part is single pay. It's ads like that which make me not want to call someone.

I can't believe agents are still falling for that one.

It's wonderful. You pay $10,000 and you have a $10,001 death benefit. Wow! How do they do it?

 

[360]

I guess they are that hard up to make the phones ring. Having agents call you about a product most will never use just cracks me up. Oh and if they do use it there is almost zero comp. Boy that's what I want to promote. It has it's place but it's certainly not for the approaching 99 crowd.

 

[Newby]

I guess they are that hard up to make the phones ring. Having agents call you about a product most will never use just cracks me up. Oh and if they do use it there is almost zero comp. Boy that's what I want to promote. It has it's place but it's certainly not for the approaching 99 crowd.

Don't forget the 100% chargeback upon death.