Final Expense Customer Service 2022

[noah]

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.

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 .

Doing the same area all the time living the same routine would bore me to death.

I'm a gambler. I pick my own filters,zip codes,simply pull the trigger and order cards.

There are some honey holes in my part of Florida and I'm not against knocking cold doors either.

I've been happily unmarried for 30 years. I get up in the morning and do whatever I want all the time.

However,it wouldn't matter if I was married or had a family. If from a long line of men that worked and traveled did whatever they needed to live their best life. If that meant hitting the road,they did it.

The men in my family didn't hang around the house or ever check in with the wife.

I've had come out on the road with me to work and planned to stay out only to become a complete nervous wreck and bail after a couple hours and turn around and drive 350 miles back home the same day.

I will spontaneously decide on a whim to pack up,hit the road with a stack of cards. So much to see and do. I thrive on constantly challenging myself.

 

[WinoBlues]

A beauty of this business is doing it how we want. Every other agent's way is wrong compared to mine, for me. My way is wrong for them.

I would eat my piece if I had to live a tight regimented routine. I don't even comb my hair beyond a quick brush then run my hand through it. I get a haircut every month or do. I have a good buddy that is short cropped hair weekly, his files are color coded and multi tabbed. His presentation is in a straight line. Mine is 'Hi, how can i help you' I drive him nuts. He does him, I do me.

Mungia sold a shit ton in shorts, David started part time and did personal training also, I know guys that are successful with Lincoln Heritage.

Many ways to do what we do.

 

[DonP]

Doing the same area all the time living the same routine would bore me to death.

I'm a gambler. I pick my own filters,zip codes,simply pull the trigger and order cards.

There are some honey holes in my part of Florida and I'm not against knocking cold doors either.

I've been happily unmarried for 30 years. I get up in the morning and do whatever I want all the time.

However,it wouldn't matter if I was married or had a family. If from a long line of men that worked and traveled did whatever they needed to live their best life. If that meant hitting the road,they did it.

The men in my family didn't hang around the house or ever check in with the wife.

I've had come out on the road with me to work and planned to stay out only to become a complete nervous wreck and bail after a couple hours and turn around and drive 350 miles back home the same day.

I will spontaneously decide on a whim to pack up,hit the road with a stack of cards. So much to see and do. I thrive on constantly challenging myself.

Then your set . The subject of fixed cost leads is closed .

 

[DonP]

A beauty of this business is doing it how we want. Every other agent's way is wrong compared to mine, for me. My way is wrong for them.

I would eat my piece if I had to live a tight regimented routine. I don't even comb my hair beyond a quick brush then run my hand through it. I get a haircut every month or do. I have a good buddy that is short cropped hair weekly, his files are color coded and multi tabbed. His presentation is in a straight line. Mine is 'Hi, how can i help you' I drive him nuts. He does him, I do me.

Mungia sold a shit ton in shorts, David started part time and did personal training also, I know guys that are successful with Lincoln Heritage.

Many ways to do what we do.

I agree with this but there are proven ways to do things that allow the average person to be successful. For instant most agents that do there own mail drops will drop 1-4 k and work them for 2-4 weeks . They won't drop again until they work all those leads and get a return on them . Then they have a 2-4 week lag time with no leads . With fixed cost they come in week in week out with no lag . But many people scared to invest the amount of money needed to give yourself a chance to succeed. They don't believe in themselves. That's why few suceed in Insurance.

 

[noah]

Doing the same area all the time living the same routine would bore me to death.

I'm a gambler. I pick my own filters,zip codes,simply pull the trigger and order cards.

There are some honey holes in my part of Florida and I'm not against knocking cold doors either.

I've been happily unmarried for 30 years. I get up in the morning and do whatever I want all the time.

However,it wouldn't matter if I was married or had a family. If from a long line of men that worked and traveled did whatever they needed to live their best life. If that meant hitting the road,they did it.

The men in my family didn't hang around the house or check in ever with the wife.

I will spontaneously decide on a whim to pack up,hit the road with a stack of cards. So much to see and do. I thrive on constantly challenging myself.

I agree with this but there are proven ways to do things that allow the average person to be successful. For instant most agents that do there own mail drops will drop 1-4 k and work them for 2-4 weeks . They won't drop again until they work all those leads and get a return on them . Then they have a 2-4 week lag time with no leads . With fixed cost they come in week in week out with no lag . But many people scared to invest the amount of money needed to give yourself a chance to succeed. They don't believe in themselves. That's why few suceed in Insurance.

I agree with this but there are proven ways to do things that allow the average person to be successful. For instant most agents that do there own mail drops will drop 1-4 k and work them for 2-4 weeks . They won't drop again until they work all those leads and get a return on them . Then they have a 2-4 week lag time with no leads . With fixed cost they come in week in week out with no lag . But many people scared to invest the amount of money needed to give yourself a chance to succeed. They don't believe in themselves. That's why few suceed in Insurance.

So basically guys on fixed cost are getting a little hand holding,right?
LH,SL and other organizations advertise this big time when recruiting,right ?
Takes a set of stones to go into business completely on your own,right?

 

[jdeasy]

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 ?

You are determined to undermine anything different then than how your puppet master tells you how to work.

You are more captive than anyone on this forum. And you are too blinded to even see it.

Yes, it's a different relationship with the IMO than yours. Different everywhere than yours. You never any of the other agents from your IMO posting the drivel you post. It's just you.

You were going to be the self proclaimed trainer for your IMO. What were you going to train them to do, whine?

 

[jdeasy]

A beauty of this business is doing it how we want. Every other agent's way is wrong compared to mine, for me. My way is wrong for them.

I would eat my piece if I had to live a tight regimented routine. I don't even comb my hair beyond a quick brush then run my hand through it. I get a haircut every month or do. I have a good buddy that is short cropped hair weekly, his files are color coded and multi tabbed. His presentation is in a straight line. Mine is 'Hi, how can i help you' I drive him nuts. He does him, I do me.

Mungia sold a shit ton in shorts, David started part time and did personal training also, I know guys that are successful with Lincoln Heritage.

Many ways to do what we do.

Except what you do is not working the FE market nor using FE leads. There are not a lot of different ways among the top agents in this sector of the market. At any of the IMO's. You take the top 10 agents from any FE IMO and there will be more similarities than differences.

You take the fail outs from all the FE IMO's and there will be more similarities than differences there too.

You can see it all the time. An agent bounces from FE IMO to FE IMO trying to find one that will give them different answers because they don't want to run on the proven track. You will see an agent doing well at one IMO and then move to another and do better. You never see an agent fail out at one IMO and then succeed wildly at the next.

Obviously it's not for you and you don't do it.

Even the telesales gurus that are all the rage now will say you have to learn and follow their system, their proven path.

Their will always be outliers in any system, agents succeeding without actually following the system. But the systems are for those agents.

I've been part of two of the largest FE IMO's out there and one of the largest MP IMO's. At all the agents continuously at the top are always plugged into the training and support. The top agents are always on the calls, they are always on the chats, they are always giving advice to other agents and just as importantly, accepting advice from other agents. That's over almost 19 years. That's not coincidence.

 

[noah]

You are determined to undermine anything different then than how your puppet master tells you how to work.

You are more captive than anyone on this forum. And you are too blinded to even see it.

Yes, it's a different relationship with the IMO than yours. Different everywhere than yours. You never any of the other agents from your IMO posting the drivel you post. It's just you.

You were going to be the self proclaimed trainer for your IMO. What were you going to train them to do, whine?

Good morning JD

Have a good day now !

 

[DonP]

There will be some preferences some agents like and some don't . For instance I like to work 55-80 . I find 50-55 not home as much . I wont work 80-85 . Most find the premium to expensive . As far as replacement goes many in bad health and ethically I won't move them . I also don't mail P.O. Boxes as I door knock a lot so I want to be able to knock . In bigger city/suburbs ( this is for mail drops and not fixed cost ) I'll exclude apartment complexes as tough to get in with gates . Can't dk them easily .


Many of these filters I use when I drop heavily populated areas . I also won't mail inner city areas in big cities . #1 for safety ( I have several friends who've been robbed ) . And I find people in inner cities not as loyal and will switch more ( this is big cities ) . Since I'm paying $40-$60 a lead I'm going to target parameters I've had the best success with over many yrs.

 

[noah]

There will be some preferences some agents like and some don't . For instance I like to work 55-80 . I find 50-55 not home as much . I wont work 80-85 . Most find the premium to expensive . As far as replacement goes many in bad health and ethically I won't move them . I also don't mail P.O. Boxes as I door knock a lot so I want to be able to knock . In bigger city/suburbs ( this is for mail drops and not fixed cost ) I'll exclude apartment complexes as tough to get in with gates . Can't dk them easily .


Many of these filters I use when I drop heavily populated areas . I also won't mail inner city areas in big cities . #1 for safety ( I have several friends who've been robbed ) . And I find people in inner cities not as loyal and will switch more ( this is big cities ) . Since I'm paying $40-$60 a lead I'm going to target parameters I've had the best success with over many yrs.

I'm 62-78. I find below 62 to many still working,hard to catch at home and many still working,no sense of urgency still have insurance at work and are tire kickers. I know I'm missing the one's on disability as I get those under 62 on disability when I cold door knock.

I know a dude who mails PO Boxes and finds ways to track them down,gets a physical address,door knocks them. He says it's worth his time. He works the same areas all the time. Not for me.

Apts. are hit or miss. I can usually bypass door entry systems in buildings and knock. Problem is when they don't answer you can't tell if anyone is there maybe they are peeking through the peephole?



Gated is entirely different. Usually that will be a much higher income than our filter,maybe a country club……I'll look up the property value,Google the ownership,realtor.com or Zillow. Not much luck with someone living in a 250k+ condo or house. I call but you know how that goes. Nobody ever answers the phone. Trash.

I avoid urban areas with a heavy black population. That's looking for trouble,especially since 2020. Things have really changed. I will work the hood in rural areas. I've had some smart asses there.if I get any flack I just split. Most often the ROI is not there so I avoid. They are over hit,don't understand life insurance……best to leave that for the new guys,debit agents,LH,Bankers….etc.

I'm looking for good payers. Stuff that stays on the books.

When you travel and don't really know the zips that we'll sometimes your taking a blind shot at an area. I look up my demographics in counties I mail but not zip codes.

If your on fixed cost you don't have the freedom to try to control your lead quality. They shove the leads in in front of you and off you go. They decide,you follow along.