- 26,147
Makes you wonder who is the agent of record. Hope they are not assigning commissions.
How to Have Faith in Final Expense?
- Thread starter Synuh
- Start date
Makes you wonder who is the agent of record. Hope they are not assigning commissions.
- 19,654
That's exactly what it sounds like.
- 2,455
"If the Sun and Moon should ever doubt, they'd immediately go out."
― William Blake
You must have this kind of conviction. No doubts.
― William Blake
You must have this kind of conviction. No doubts.
JD AgentMan
Expert
- 21
Keep your head up and stay focused on your goal of providing something that very few people can. Believe me, at the time of a claim, you'll be the only person there to give a check to the widow instead of asking for a check from her. This is a very noble and satisfying career as I'm sure others here can attest to.
If you aren't getting a piece of all the business that you are writing, then I'd look into another IMO. You should get paid on all the business you write. Good luck brotha!
If you aren't getting a piece of all the business that you are writing, then I'd look into another IMO. You should get paid on all the business you write. Good luck brotha!
- 119
Not sure about someone paying more into the policy than the death benefit. In most cases, a person buying a level benefit policy will be paying premiums based upon their life expectancy. If they have major medical conditions, then they will have a shorter life expectency and their premiums will reflect that. It is a small tradeoff in terms of the benefits provided to the person's family compared to the concern that they may pay more in premiums than they receive in DB.
- 26,147
It would be common in FE type products. It would be uncommon in traditional Whole Life or GUL life insurance
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Yeah, my spidey sense would be tingling.
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- Thread starter
- #37
Mine has tingled, too. I do believe they are pocketing the business, but it's one of those things I can't prove that the IMO is doing, so until I am able to afford going fully independent, and feel like I have enough experience under my belt, it's the price to pay, I guess.
JD, that's exactly what I'm trying to do. I know I can make it in this business, I just didn't expect the rollercoaster that it has been up to this point. I've owned 2 businesses in the past, 1 in construction, and another internet based, and both had their ups and downs, but this is a different type of rollercoaster. I actually use what you said as part of my presentation, I just haven't had it happen yet, so it was hard to believe -- "I show up with a check when everyone else has a bill."
I'm back at it, though. I went out and wrote $2600 yesterday and $1300 today off 8 apps total.
Thanks again for the advice ya'll!!
JD, that's exactly what I'm trying to do. I know I can make it in this business, I just didn't expect the rollercoaster that it has been up to this point. I've owned 2 businesses in the past, 1 in construction, and another internet based, and both had their ups and downs, but this is a different type of rollercoaster. I actually use what you said as part of my presentation, I just haven't had it happen yet, so it was hard to believe -- "I show up with a check when everyone else has a bill."
I'm back at it, though. I went out and wrote $2600 yesterday and $1300 today off 8 apps total.
Thanks again for the advice ya'll!!
Good job.. keep on keeping on.. On the order of what JD has to say, I tell them, "The preacher will show up with his hat in his hands. The neighbors will show up with a casserole in their hands. As your life insurance agent, I am the only person you know that will show up a check in hand."
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Your doing great ,but your attitude is taking dive so sad so sad change your attitude and be glad. Keep in mine those healthy senior could die the next day and now your a hero to there family , so many people die poor and leave their problems to the family's , make sure to get them to start planing that's what we do. and dont over sale it will help yopu on charge back, always try to stay in their price-range. . Your going to do great my man, attitude attitude attitude
Appoint with a couple low priced Carriers to use as an alternative. Do not display your FE Business Card in the beginning. When you find good health, change your presentation, and offer a product from another Carrier. Then offer a business card your (general) Business Name. (that you should already have anyway for alternative products)
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