I have to pay for this for the rest of my life?

KidsGotHeart said:
I'm a logical/analytical thinker and I found myself nodding along to this, good stuff. I would think the FE crowd you work is above what OP is working.

To OP, JD probably hit the nail on the head, when he said they are not interested. The only other thing I can think of is the premium is not comfortable for them. Most people don't fuss about things they can easily afford.
Click to expand...

I tend to math things out as well. And market seem to be the key as these guys are saying.

I wrote 2 FE and two child apps in a home yesterday and an FE in another. First house was a small house with a three women plus kids that could have all been related to Honey Boo Boo. 4 apps and a total premium of a bout $60. _Total for all four policies_ easy speasy and I could have talked them into anything. Had to talk them down some. The second house a couple buys a policy on the father in law. Large nice home, probably in the high threes. That woman was nice but wanted to see my ID, How long I have been in business and so on. Then she got on the the cost ($278) as if I could negotiate the rate and it being. All of this was in Spanish. It all worked out I got the app and am quoting the husband and Med School child but I had to work for it. I think the more they can afford something the harder they fight sometimes.
 
First of all a good front talk eliminates back talk.
You know what it's going to cost them so build your case.
I don't like critical illness for the same reason because most people WILL pay more into it than they get out. However, if there is a family history and it;s the clients need driving the purchase then I'm OK with the sale.
Yes that's true, I have to be OK with the sale. If you have this mindset then you will overcome these objections. Considering that the aleatory contract states that one premium payment entitles them to the whole death benefit.
Alternatively, you can put FPDA at $50 to $100/month and in 5 to 10 years they have enough to plant or BBQ them. I say this to clients and then remind them that no one has their expiration date tattooed on them.
Baltimore Life has a wide range of policies available including critical illness and annuities. Without options how can you set up an alternate of choice close?
 
Cwteter said:
First of all a good front talk eliminates back talk.
You know what it's going to cost them so build your case.
I don't like critical illness for the same reason because most people WILL pay more into it than they get out. However, if there is a family history and it;s the clients need driving the purchase then I'm OK with the sale.
Yes that's true, I have to be OK with the sale. If you have this mindset then you will overcome these objections. Considering that the aleatory contract states that one premium payment entitles them to the whole death benefit.
Alternatively, you can put FPDA at $50 to $100/month and in 5 to 10 years they have enough to plant or BBQ them. I say this to clients and then remind them that no one has their expiration date tattooed on them.
Baltimore Life has a wide range of policies available including critical illness and annuities. Without options how can you set up an alternate of choice close?
Click to expand...

Baltimore life FE is also extremely over priced.
 
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