Final Expense Selling Machine.Where Are The Referrals

[armydad]

anyloan2, Wow! You don't lack confidence. You remind me of the people who would come into Sears & Nobucks to buy an appliance. The more they talked about how much money they had, they would always be turned down for a sears card. Funny thing is, they would never write a check or put it on their visa card. I knew they were wasting my time. I bet one day, they will make a movie about you.

 

[somarco]

If I want a friend, I will get a dog.

I thought Al was your friend . . .

 

[Winter_123]

I thought Al was your friend . . .

With friends like Al, who needs enemas?

 

[jdeasy]

WHAT AREA DO U WORK AND WHO IS YOUR MANAGER
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U WROTE 6 K BIG DEAL I CAN DO THAT IN MY SLEEP. I'M A HUSTER AND I WILL HAVE A 100% IN THE NEXT FEW MONTHS AND AN AGENCY PUSHING 100K A MONTH. WHAT ABOUT YOU?

AT LEAST VERIFY MY PRODUCTION TO THESE LOSERS THAT SAY IT IS BS

I was able to get on the LH site today. You qualified for the Cabo trip with $159,317 production. Congratulations. That's pretty good. It's not what you claimed, but, good nonetheless.

 

[G.Gordon]

OK, OK, OK... this thread spreads a bad smell in a otherwise professional setting.

Let's agree to let it die, much the same way the careers of agents with low morals do.

Those of us that "GET IT" will continue to be confounded by those that don't.

 

[360]

I was able to get on the LH site today. You qualified for the Cabo trip with $159,317 production. Congratulations. That's pretty good. It's not what you claimed, but, good nonetheless.

I agree. While I had a hard time swallowing the capitalizing every word and trying to comprehend how anyone could continue drinking that much LH kool-aid...the numbers are the numbers. He asked a good question and then the thread got hijacked by snowman's response. He's no diplomat but you've gotta give the kid his props on the production.

 

[Guest]

Re: Final Expense Selling Machine...where Are The Referals

O.K. I think I see what the problem is. The original post was about referrals. I responded with how I get "references". If you'll notice, none of my posts refer to referrals.

I think there is a quantum difference between referrals and references. IMO referrals are for agents who operate from a position of weakness. To me asking for a referral is kind of like a dog begging you to throw him a bone. Please oh please, if you think I did such a good job for you then please, oh please, can you, could you please tell me who else would be kind to me. If that's your style and it suits your personality fine. For me, I provide references when I sit down with someone and they have the freedom to check me out at anytime. I should be able to and have the right to do the same with them. If this intimidates you or otherwise makes you feel uncomfortable that's your problem not mine.

So you are saying that before you turn in their app to the insurance company, you call up the references and ask for a character assessment? If that is the case you have definitely made Final Expense Insurance History.

 

[insuragent]

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ACTUALLY I BEAT A LOT OF MY COMPETITORS RATES AND OFFER A SUPERIOR PRODUCT. UR TAKING SOMETHING LIKE A GREMLIN AND COMPARING IT TO A FERRARI. KEEP SELLING MEDICAL.

24 HOUR CLAIMS, FREE FSGS ENROLLMENT($399 VALUE), AND THE LIST GO ON AND ON.

HAPPY NEW YEAR
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WHAT AGENCY DO YOU WORK WITH? WHAT AREA ARE YOU IN?

LOG INTO LH WEBSITE IF YOUR APPOINTED AND VERIFY MY NUMBERS I WROTE $21614 THIS MONTH AND HAD A WEEK OFF. MY AGENCY ADAM HALE AND ASSOCIATES 69K.

HOW DO YOU STACK UP TO THOSE NUMBERS AND WHATS UR NAME. ARE U GOING TO CABO

I got appointed with them because of phone sales. However, they are not the BEST or the LOWEST in the biz. When in the field, I consistanly roll clients who have LH because I can offer, typically, 6k, more insurance for the same price. To me having my business stick is imporant due to charge backs.

I got a sh**y contract with them, 70% with 60% advance so if I sell $50 annualized over 9 months and 60% of that I get advanced on is 270. That made me look into other companies that do over the phone to get a better advances since I'm paying for my leads.

What did you do? Take your loan officer in the insurance biz with you? I did loans for 6 years 5 years ago and loved it, but knew the issues the banks have today was waiting to happen. The arrogance of men caused the set up for the Titanic to sink and the same can be said for the mortgage biz. When Wall Street approves a lenders proposal for 520 risk score to get 100% loan, what do you think is gonna happend? Key word, RISK.

 

[somarco]

I consistanly roll clients

Churning can jump up & bite you when you least expect it.

When Wall Street approves a lenders proposal for 520 risk score to get 100% loan, what do you think is gonna happend?

Just like prostitution, it takes two to get screwed. Lot's of folks talk about greedy lenders, but what about those taking out the loans?

I don't feel sorry for them at all.

 

[insuragent]

Churning can jump up & bite you when you least expect it.



Just like prostitution, it takes two to get screwed. Lot's of folks talk about greedy lenders, but what about those taking out the loans?

I don't feel sorry for them at all.

Well my X company Ameri-Life does it all the time. However, I was under the impression that if you are saving money, giving more insurance then replacing is okay vs. rolling them to make a buck. A few times I've saved clients money decent money ($25 a month) given them more and even got them paid up policies by combinding all the cash value from those little polices they have had for 20 years. Sometimes it workd they are able to get a paid up and additional for the same or a little more then what they kept adding for $1,000.

It's not my primary concern to just roll clients. I only do it if it really helps them by more coverage or same at less. But I get what you are saying. Thanks