How Do You/How Are You Able

[fdahl82]

This is my plan. I am seeking out options and attempting to do research this time. As I obviously didn't before I signed up with the ricans

Go independent!

 

[Zac]

fdahl82,

were you able to get out from Primerica, if so what did you have to do to get out ....

 

[BNTRS]

Wait, they charge you 99 bucks to become a Primerica agent? Let me guess, you shouldn't view it as a cost but rather an investment in your future, right? Besides, it's tax deductible. Why is this legal?

 

[fdahl82]

The $99 covers your pre-licensing training/classes. If you do x things in your first 30 day's, you get it back, plus an additional $100. They also reimburse you for your exam fee's. The catch to this is, you have to appoint with them at the testing center.... if you mess up and don't appoint with them at the center and you have to fix it later, then you're screwed... you don't get back testing fee's.

Wait, they charge you 99 bucks to become a Primerica agent? Let me guess, you shouldn't view it as a cost but rather an investment in your future, right? Besides, it's tax deductible. Why is this legal?

 

[Zac]

The $99 covers your pre-licensing training/classes. you have to appoint with them at the testing center.... if you mess up and don't appoint with them at the center and you have to fix it later, then you're screwed... .

Sorry, what do you really mean by this I am not following..

With Primerica, are you a captive agent or will you be able to sell other products as well ...

Regards

 

[WinoBlues]

fdahl82,

were you able to get out from Primerica, if so what did you have to do to get out ....

There is a whole underground system in place when you are ready. Sadly though, you will have to leave your old life behind you.

When you are ready just post here.
You will be contacted.

First is the "kool-Aid" detox center...............

Seriously, You do not need to do anything more than tell them "See Ya"
Oh, don't forget to get your license back.

Get contracted with a couple other companies and get going.

Get copies of all your "training" sales. Make copies of all their rate books. That will come in handy as you rip their stuff out.

 

[ims01]

There are several top notch carriers that will let you sell their life insurance products via phone and mail. You will need to get the non-res licenses to write the deals, but some of the states you mentioned are expensive. If your relatives ever come to visit you, you can write them in your home state.

When on this forum you will find it useful to ignore some of the useless and sarcastic posters. They take your sincere question or comment and turn it into a personal petty pissing match.

 

[fdahl82]

This is not the first time I have heard that NAA uplines cherry pick leads... I have heard that from a LOT of people!! I personally think it's horrible business and tactics!!

Your area and experience might differ, but mine was that EMG and NAA were reselling their EXCLUSIVE A leads multiple times, the people had already been contacted, some had failed underwriting already, and they were using the downline system as a way to make money off leads they couldn't sell through their top producers. It looks (and I have no proof) like they cherry picked the leads, then sold leads that had already been contacted. I know that I got 9 A leads from them one time and 7 claimed to have been contacted, and 1 was verified to have failed underwriting through their own insurance companies.

The system seems to be recruit people behind you to rework the leads you couldn't sell, then collect commissions off the people below you LIKE you sold the lead yourself. If they fail, **** it who cares, you get paid on the leads you couldn't sell so you can mail out more leads. If they succeed, great, you can move them up in commission a bit to keep them around, but they NEVER reach your level. I know with EMG I sold 1 policy off any of their leads ever. It was a lead that had been resold after it was already sold by an EMG agent, they still had his card, and I said **** it, if they're gonna sell me the lead and they want a better policy I'm gonna sell it, even though their policy is that if a EMG agent already sold the client you are supposed to leave and request credit. In the time I tried with them I think I worked 150 of their leads, set 5 appointments, sold 1, and sold 6 policies on my own without leads by talking to people. My upline left also, before I did even. I stuck with them for almost 4 months. Huge waste of my money on their leads. I was just so sure it was going to work.

My bad lead % with them was higher than netquote.