How soon can I get a policy issued?

[jdeasy]

So for us new folks... lol...I'm sensing a heavy amount of sarcasm but can't tell regarding the CLU discussion. Outside of Suzie's sexual preferences and the fluidity of said preferences, everything I've read is, its important to get the CLU... but like any professional designation, it doesn't mean anything unless you actually know what you're doing to begin with? So should I pursue it initially? Or pursue other designations first? Sorry not trying to hijack the thread but it looks like its already gone off the rails!

Depends on your career path. Are you going to be an underwriter?

If so, yes you need the CLU

If not, no!

 

[JTylerH]

Depends on your career path. Are you going to be an underwriter?

If so, yes you need the CLU

If not, no!

Ok good to know. Thanks!

One follow up question though… will it help me be a better salesman of life and annuity products? Is there anything to gain from getting it even though I don't plan to be an under writer?

 

[WinoBlues]

Ok good to know. Thanks!

One follow up question though… will it help me be a better salesman of life and annuity products? Is there anything to gain from getting it even though I don't plan to be an under writer?

I think JD was being factious on the underwriter thing.

You get CLU for your own education and or to impress other agents. Most or many clients do not know what it is.

Being that this is the Final Expense forum the answer is no. In the Traditional Life side, it will mainly be who your intended market will be. For the simple family market, not so much. On the upper Middle class, Maybe more.

All IMohsoHO

 

[Allen Trent]

So for us new folks... lol...I'm sensing a heavy amount of sarcasm but can't tell regarding the CLU discussion. Outside of Suzie's sexual preferences and the fluidity of said preferences, everything I've read is, its important to get the CLU... but like any professional designation, it doesn't mean anything unless you actually know what you're doing to begin with? So should I pursue it initially? Or pursue other designations first? Sorry not trying to hijack the thread but it looks like its already gone off the rails!

I have about 5 or 6 designations. With that said, it doesn't mean anything if I don't apply the knowledge or the markets I serve or products I sell don't require the advanced skill set.

Of those I have & those available, the CLU would be lower on my list as it doesn't mean anything to a consumer that you are a chartered life underwriter, they don't know what that means.

If you are going to spend the time & several thousand dollars, get one with a name that sounds like it should. FSS- Financial Service Specialist or ChFC Chartered Financial Consultant, etc. But again, these get into advanced markets, so you won't use the material if you are writing small face final expense or small face mortgage term, etc.

PS- not only do these designations take awhile to get through the 4-5 courses each & cost alot, most now also require ongoing CE & annual fees to maintain the designation. Pricing seems to be based on insurance carrier employees being the students more than newer agents

Sincerely.

Allen Trent
CLU, ChFC, LUTCF, CSA, FSA,
Master's degree in BS

 

[jdeasy]

Ok good to know. Thanks!

One follow up question though… will it help me be a better salesman of life and annuity products? Is there anything to gain from getting it even though I don't plan to be an under writer?

No. If you want to be an insurance groupie and talk sh!t to other agents that think that sh!t is important then throw away your time and money to get the alphabets.

If your goal is to make money selling life products stay as far away from that type as you can.

I recently had one of those clowns explaining to me how to present their new product.

I asked him how many applications have you written in your career. He said "what do you mean?"

 

[jdeasy]

I think JD was being factious on the underwriter thing.

You get CLU for your own education and or to impress other agents. Most or many clients do not know what it is.

Being that this is the Final Expense forum the answer is no. In the Traditional Life side, it will mainly be who your intended market will be. For the simple family market, not so much. On the upper Middle class, Maybe more.

All IMohsoHO

I wasn't

 

[Allen Trent]

those clowns

I assume you mean this in an endearing way & that you love cool funny clowns, not that you are saying it like scary type clowns

 

[jdeasy]

I assume you mean this in an endearing way & that you love cool funny clowns, not that you are saying it like scary type clowns

Funny like a clown?!

 

[Allen Trent]

Funny like a clown?!

Couple of selfies of me this morning getting ready for the grind

 

[Newby]

So for us new folks... lol...I'm sensing a heavy amount of sarcasm but can't tell regarding the CLU discussion. Outside of Suzie's sexual preferences and the fluidity of said preferences, everything I've read is, its important to get the CLU... but like any professional designation, it doesn't mean anything unless you actually know what you're doing to begin with? So should I pursue it initially? Or pursue other designations first? Sorry not trying to hijack the thread but it looks like its already gone off the rails!

CLU is a high level designation that can ge useful if you are doing estate planning. For most agents it's not going help you.
But it is a hard designation to earn and should mean something to someone like Suzi Ormon.
It would be like saying a CPA designation doesn't mean anything for accountants. Just the minimum that anyone with a calculator has.