Final Expense Customer Service 2022

[noah]

Ha! Yes I DO address that in my captivity contract. It says once you enter you can never leave. And even your grandchildren are on the hook to me! Cackle, cackle.

Look you can call us a prison if you want to. I don't care. If you want to have FE contracts all over we don't care and never have. But if you want us to train you, and put you on a lead program that makes no profit and is hugely expensive and time consuming to run then we have a handshake agreement that you are going to put ALL your FE contracts through us. It's the fairest deal in the biz.

A couple of you have mentioned that there were RGI vendors gave you access without putting all your contracts with them. Well duh! I hope you're smart enough to understand why they did that. And no we wouldn't do that to you.

I would have to think that we have just about the most content final expense agents in the industry. Many of them have been with us for years and years. You don't see many Final Expense IMO's with that type of a history or collection of great agents.

So call us anything you want. We will be fine.

Does that offer stand for brand new agents? Will you give them a 9 month advance ?

 

[Newby]

Does that offer stand for brand new agents? Will you give them a 9 month advance ?

I have no idea what offer you are asking about. Yes it's normal for agents to have 9-month advance unless they have credit issues.

 

[noah]

I have no idea what offer you are asking about. Yes it's normal for agents to have 9-month advance unless they have credit issues.

This offer…..

"If you want to have FE contracts all over we don't care and never have. But if you want us to train you, and put you on a lead program that makes no profit and is hugely expensive and time consuming to run then we have a handshake agreement that you are going to put ALL your FE contracts through us. It's the fairest deal in the biz."

Wonder what it's like getting a release if you have overcommitted to an agents territory with RGI and you get stuck with 400-500 leads that never get run ?

You just eat them? Agent get billed?

To me,that's captive. By no means am I saying you're like LH or SL.

To me a handshake agreement is just as valid as a written agreement.

Kinda like the difference between living with a broad and being legally married to her.

Im big on retaining all of my personal freedoms so being at FEX on fixed cost RGI probably not my cup of tea,but for others it's without a doubt made them a rockstar in the biz.

TR King knows that at any time an agent can tell them where to stick it.

They have no ongoing time and $$$$ investment in dealing with cards.

Fast easy releases there.

Who cares what I think,right?
To each his own.
Different strokes for different folks.

 

[DonP]

Rgi has returns down to a science. They have 12 plus yrs of return data on probably every county in the country . They'll be off by a little . Maybe a few more or less each week but it averages out . You tell them you want 20 leads a week in 10 countys . You'll get 16-20 . They keep overage leads in a pile so one week they might only get 15 real time leads but they have 10 left over from the last 2 weeks so they'll give you five out of that 2 to give you 20 .


If you stop the leads today you'll have leads coming in for the next 3-6 weeks then you get a a few stragglers here and there for the next 5-10 weeks depending on how long you were on the program . So if you could get 15-20 leads every week in 10 counties near you and have 120 % contracts that's not really captive . As long as your doing business he doesn't care if you have a few off contracts . He'll release you if your not happy . But if you like to travel different states and areas fixed cost not the program . If you like to work 2 weeks and take 2 off I wouldn't do fixed cost as the leads stake up .

 

[Newby]

This offer…..

"If you want to have FE contracts all over we don't care and never have. But if you want us to train you, and put you on a lead program that makes no profit and is hugely expensive and time consuming to run then we have a handshake agreement that you are going to put ALL your FE contracts through us. It's the fairest deal in the biz."

Wonder what it's like getting a release if you have overcommitted to an agents territory with RGI and you get stuck with 400-500 leads that never get run ?

You just eat them? Agent get billed?

To me,that's captive. By no means am I saying you're like LH or SL.

To me a handshake agreement is just as valid as a written agreement.

Kinda like the difference between living with a broad and being legally married to her.

Im big on retaining all of my personal freedoms so being at FEX on fixed cost RGI probably not my cup of tea,but for others it's without a doubt made them a rockstar in the biz.

TR King knows that at any time an agent can tell them where to stick it.

They have no ongoing time and $$$$ investment in dealing with cards.

Fast easy releases there.

Who cares what I think,right?
To each his own.
Different strokes for different folks.

I didn't know you were calling that an offer. That's just been our normal way of doing business for 10 years.

Noah, I think you lay in bed at night and worry about things will just never happen. I've never had 4 to 500 leads in on an agent in my entire lifetime. That sounds insane. Occasionally Leads will get out of whack and you might have 100 or 150. But you quickly reduce that down. I think the only time that I have ever been asked for a release with an agent that had a large inventory of leads build up was when I released Josh Jones. And it was resolved with a phone call it took about 20 minutes. I just called the IMO he was going to and told them the situation and offered to sell him the leads. He bought them and I released Josh that same day. Most people in this business are friends and get along.

The normal way of releasing when an agent is on leads is that they stop their lead order around a month ahead of time and then they just have about usually five or six weeks of leads coming in to worry about. If they are in a real popular area where I have a waiting list of agents wanting leads then we just switch the leads over to the new agent.

if I ever had 4 to 500 leads in on one agent you would've seen me pull my hair out by now. That just isn't going to happen. But I do have quite an excess buildup on an agent in Florida right now if anybody's looking for Florida leads.

 

[jdeasy]

This offer…..

"If you want to have FE contracts all over we don't care and never have. But if you want us to train you, and put you on a lead program that makes no profit and is hugely expensive and time consuming to run then we have a handshake agreement that you are going to put ALL your FE contracts through us. It's the fairest deal in the biz."

Wonder what it's like getting a release if you have overcommitted to an agents territory with RGI and you get stuck with 400-500 leads that never get run ?

You just eat them? Agent get billed?

To me,that's captive. By no means am I saying you're like LH or SL.

To me a handshake agreement is just as valid as a written agreement.

Kinda like the difference between living with a broad and being legally married to her.

Im big on retaining all of my personal freedoms so being at FEX on fixed cost RGI probably not my cup of tea,but for others it's without a doubt made them a rockstar in the biz.

TR King knows that at any time an agent can tell them where to stick it.

They have no ongoing time and $$$$ investment in dealing with cards.

Fast easy releases there.

Who cares what I think,right?
To each his own.
Different strokes for different folks.

You can continue to try and paint FEX as captive all you want.

You are just wrong.

You have been over and over that FEX is not captive.

You can't an agent that hasn't been released by FEX by just asking.

You cannot find a captive contract offered by FEX or ever signed by even one agent at FEX.

So join up with FEX, take advantage of all FEX has to offer, learn from the best in the business and then leave.

You will see that you will be released and then you can stop the whine.

Or just continue being wrong.

 

[noah]

Rgi has returns down to a science. They have 12 plus yrs of return data on probably every county in the country . They'll be off by a little . Maybe a few more or less each week but it averages out . You tell them you want 20 leads a week in 10 countys . You'll get 16-20 . They keep overage leads in a pile so one week they might only get 15 real time leads but they have 10 left over from the last 2 weeks so they'll give you five out of that 2 to give you 20 .


If you stop the leads today you'll have leads coming in for the next 3-6 weeks then you get a a few stragglers here and there for the next 5-10 weeks depending on how long you were on the program . So if you could get 15-20 leads every week in 10 counties near you and have 120 % contracts that's not really captive . As long as your doing business he doesn't care if you have a few off contracts . He'll release you if your not happy . But if you like to travel different states and areas fixed cost not the program . If you like to work 2 weeks and take 2 off I wouldn't do fixed cost as the leads stake up .

Can the agent choose the wording of the card or is that decided by the agency?

Can the agent choose his own filters for age,sex,income….etc,or is that decided by the agency ?

Can the agent work different territories on demand ? What if the agent wakes up one day and decides he wants to work counties he hasn't worked in his home state,give it a shot ?

Can the agent put a halt on being committed to his home area as he wishes ? The IMO will just keep the lead cards warm for him while he's checking out some different territories,right ?

Plenty of flexibility as the agent chooses at his own free will without having to discuss his choices with the agency he's contracted with,right ?

 

[DonP]

Can the agent choose the wording of the card or is that decided by the agency?

Can the agent choose his own filters for age,sex,income….etc,or is that decided by the agency ?

Can the agent work different territories on demand ? What if the agent wakes up one day and decides he wants to work counties he hasn't worked in his home state,give it a shot ?

Can the agent put a halt on being committed to his home area as he wishes ? The IMO will just keep the lead cards warm for him while he's checking out some different territories,right ?

Plenty of flexibility as the agent chooses at his own free will without having to discuss his choices with the agency he's contracted with,right ?

Rgi has 3 fixed cost lead cards . One has the words " life ins " on it , one " final exp " and one "govt " on it . I'm a few southern states like fla, ga,sc fixed cost are $5 plus more each . Life ins wording would probably be in the $45-$47 range in fla , final exp $39-$42 and " govt" $35-$39. Pricing depends on if the Imo brings you under his umbellla and gives you the same price as all the agents . He might "carve " you out and give you the price rgi quotes for that area . If the fmo doesn't carve low return areas out the price goes up for the whole group unless the fmo cost shares .

You can do income filters 55-80, no P.O. Box filter and income filer $25-$75k I believe . Those are the only filters they allow . The more filters you put the less leads you get in an area . Your area might not be open so you have to select areas that are available. If you get and area and halt the leads you can lose the area of someone else wants it . Your asking for leads and verbiage that will get 0 returns .To get returns verbiage must be vague .

 

[noah]

What's the advantage of being on fixed cost,being pretty much having a dependent relationship with your FMO vs. being completely on your own,getting your own leads whether by DM,telephone solicited,cold door knocking ?


It's a different relationship with the FMO,right ?

 

[DonP]

What's the advantage of being on fixed cost,being pretty much having a dependent relationship with your FMO vs. being completely on your own,getting your own leads whether by DM,telephone solicited,cold door knocking ?


It's a different relationship with the FMO,right ?

The advantage is your paying anywhere from $35-$40 for ages 55-80 , no P.O. Boxes . Even in fla if your doing some good vol im sure you can negotiate $39 a lead or so . In fla I bet the avg fe return is .4- .7 max on the above filters . At $515 /1000 that's $75-$130 a lead . It allows you to stay in your area which is big for a lot of people . An agent with a family doesn't want to be traveling 3-4 nights a week . You like working out of town so it's not for you . Or maybe you find a rgi fmo that will let you get 10 leads a week in your area . Every 3-4 weeks work your area and travel the rest of the time .