Foresters Changes??

[billyg]

I was thinking more in the Term and UL/GUL areas. Thinner margins. I hope you are correct on the FE policies. Makes sense with longer mortality and less labor intense underwriting.

That's what I was thinking also. Bond rates are low right now.

 

[magagent]

All I know is another agent told me Forester's app was 6 pages, I've never seen one.



I write quite a bit in Tenn every month.

When I was writing final expense, I replaced a lot of LH and Senior Life in Tenn every month

 

[theinsuranceman]

When I was writing final expense, I replaced a lot of LH and Senior Life in Tenn every month

If that's true why did you stop writing FE? Because you didn't replace as much as you brag, and, you can't sell/close either?

 

[Biggin]

If that's true why did you stop writing FE? Because you didn't replace as much as you brag, and, you can't sell/close either?

You know that there are other products that a life/health insurance agent can sell, right?

 

[theinsuranceman]

You know that there are other products that a life/health insurance agent can sell, right?

Yes, but he said he "when he was selling final expense"....right?

 

[GoCubsGo]

If that's true why did you stop writing FE? Because you didn't replace as much as you brag, and, you can't sell/close either?

Wow, you are getting bitter these days. Is screwing over seniors, the most fragile and trusting part of our society getting to your conscience? lol

 

[rousemark]

Wow, you are getting bitter these days. Is screwing over seniors, the most fragile and trusting part of our society getting to your conscience? lol

As a senior I resent that generalization.. For the most part, we are neither fragile nor overly trusting. I can work my 24 year old grandsons into the ground and most of us have been around long enough we can smell the smoke off burning BS long before the young'uns fire alarms go off. And,there sure is a lot of smoke on this forum!

 

[JimmyUt]

As a senior I resent that generalization.. For the most part, we are neither fragile nor overly trusting. I can work my 24 year old grandsons into the ground and most of us have been around long enough we can smell the smoke off burning BS long before the young'uns fire alarms go off. And,there sure is a lot of smoke on this forum!

I think there are fragile and overly trusting folks in all age groups. The nice thing about most seniors is that at least they have a little perspective, and will usually tell you how it is whether you want to hear it or not.

 

[magagent]

Since you are so interested, I moved into a much more lucrative market.. I replaced plenty of your company's junk..

If that's true why did you stop writing FE? Because you didn't replace as much as you brag, and, you can't sell/close either?

 

[Biggin]

Yes, but he said he "when he was selling final expense"....right?

I believe the point was that when they were selling FE (and MY assumption was that they are selling something else now) they used to run into lots of SL policies and replaced them.
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Wow, you are getting bitter these days. Is screwing over seniors, the most fragile and trusting part of our society getting to your conscience? lol

Even though I probably agree with "mustfastpitch" and others waaaaay more than those selling LH, SL, BLC, & etc. I think that most seniors are far better off to have an overpriced whole life policy than no policy at all. OTOH, if they are replacing less costly plans with that stuff, now we got a problem. It's all just part of the food chain. Think of it as YOUR (OUR) problem that we didn't get to them first. Now, we should make it our mission to take these seniors from having overpriced good whole life insurance to competitively priced good whole life insurance. If they are not replacing, I can't go as far as saying "screwing seniors". FWIW

I know Newby jokes about it, but would you rather walk into a house and see 3 SL,LH,BLC, AARP, etc. policies or none at all?? If these guys are more successful, we all are.