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Ok just to get some facts straight, There are not many people selling FE in NYC, it has to do with the NY state law, which is very regulated, client actually has to sign a couple of extra forms in NY, most insurance companies do not do FE business in NY, actually Foresters is the only company I am able to sell, Presidential used to have a GI product, they have since closed down there FE business.
That being said NYC is one of the best places to sell FE, you never run out of people to see, There is more than 1 building in the projects, where I have more than 1 client, I dont have a car, I use Public Trans. most days I can walk to all my appointments.
Its interesting, starting out I asked in this forum, what you guys think about selling in NYC, everyone said cant be done, just shows you, NEVER ASSUME.
Jack,
I'm originally from New York. There are a pile of agencies that market aggressively in NYC. If I may be so bold, your ignorance to that fact doesn't change its truth.
Granted, NYC is large enough that you may not run into them often, but they are there.
Let's talk about carriers. Unity sells off and on, universal left the market, Columbian has good product. Foresters is there now and I think csa is as well. Most of the carriers that had been there for a while can't compete with the payout or product these fraternals offer because they're playing by a different set of rules.