If I Am with EFES...

[rapidrobert]

In the words of Mack Brown, "Let me answer that one for Todd...er I mean Vince Young..."

Anyway...Todd was successful while at EFES, but also before EFES so he's going back to his previous business model because he thinks he will do better. Not that EFES is bad, just that for him as a RD he thinks HE can do better. That's the "Reader's Digest" version!!!!!
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BTW b61mack- I have to take ArnGuy's place here since he's not showing up for his usual sp and gr police work: It's "incite" and not "insight." Goodnight Irene!!! Take my wife.....PLEASE!!!!

 

[jdeasy]

theinsuranceman , they are just saying that to insight you. I don't think clients, would know what underwriter means, nor would they care.All they want to know, how much?

I'm not saying it to incite anyone. I'm saying it because it's just falt out dishonest. Of course among agents we know the difference, but the prospects do not and it's being said in order to not say they are an agent. In fact, they will flat out tell you that they are not an agent if you ask them directly. Newby has it recorded.

It's intentional misleading. In Ky the dept of insurance just made a ruling that an agent cannot use misleading titles or names when speaking to a prospect. Maybe you should contact them and tell them it's just being said to incite Greg.

As to your comments about my not liking the Powells, I don't even know the Powells. Any dislike I might have for them would be from their associations with LH.

Sr. Life is just way over priced FE. I would love for them to do more business in Western Ky and Southern In. As Newby says, it's just inventory. I wish them much success here.

 

[Mplswilliam]

Can I assume Todd is going back to tele-sales strategy?

 

[TDinsgrp]

rapidrobert...you are correct. 4 1/2 years at 1 carrier and agents were making money and managers hit 6 figures year after year. 3 years at an IMO and managers made ok money but agents were hard to keep around. Like I said...there comes a point where enough is enough. Despite what the big picture tells (or "others"), this transition has been inspirational to say the least. Ya know...you just can feel it. You feel good again. You wake up and LOVE what you do! THAT'S the ticket as they say. When you(meaning anyone) talk to me...you can tell. I'm passionate about what I do and my agency does. It's that simple. I believe in this system...because it's worked before.
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mplswilliam...thanks for checking us out and yes...had a blast. But most of those pics are not from "Equita trips". Even though the guys are on them, I qualified for a few trips a year through our production. I mean, I was going on trips like every 4 months? Why would I leave that behind...right? The golf outings with the AmAm boys and Equita were "appreciation" trips they gave us RD"s. The other golf trips were trips to Dallas's home office and outings. Heck yeah! Great times. But...they don't put dollars in your pocket. Yes...I do this to make a living. If I'm making money...that means my agents and agency's are too. If you're making money, you're selling policy's. If you're selling policy's...you're helping family's. It all works out in the end.

I golfed today with some of my agents. Weird. Brought back some of those memories of those outings. But, good things are on the horizon and the Powell's are genius's in the FE market. As usual...just my opinion but I have known them for years. So, a lot of those pics are the trips I won with the carriers. Not necessarily through EFES.

Thanks again for taking a look. I still have this years Maui trip pics that are being posted from RNA this past May. Best trip we've been on! They (RNA), really know how to do a trip!

 

[Newby]

I don't say I'm an "underwriter" to a prospect, I use the term "licensed field underwriter"

Greg, I'm amazed that you quote Goggle as the highest authority. You know how much BS is stated on there as factual.

I did ask the Insurance Commissioners offices in KY and Georgia and hot basically the same answer from each. You can easily verify the information by calling them yourself.

Both said calling yourself a Field Underwriter would be VERY misleading and if you call yourself a Licensed field Underwriter you better have a license on your wall issued by the state that says Field Underwriter. And no such license exists.
You are a licensed life and health insurance agent and your clients better understand that if you start having any problems. That is one of the first things they look for when an agent gets complaints. Did the agent present himself as an insurance agent or as something misleading to consumers?
Greg I would really like you to call them and explain your reasoning and see if you get any different answer. Or even if the answer seems the least bit grey after you explain it.

 

[GreenSky]

theinsuranceman , they are just saying that to insight you. I don't think clients, would know what underwriter means, nor would they care.All they want to know, how much?

But "licensed insurance agent" is understood by everyone. Why not say that instead of a term that is designed to deceive?

Rick

 

[0b1kanobee]

3 years at an IMO and managers made ok money but agents were hard to keep around.

Could you please elaborate as to why the agents were hard to keep around. What was the problem and is it some kind of inherent flaw in the system? What's the deal? What are you doing now that is different for you and the agents?

 

[tins]

I don't say I'm an "underwriter" to a prospect, I use the term "licensed field underwriter".

"Licensed Field Underwriter" definition as per Google:
An initial decision by the insurance agent in the field about a prospective insured, based on whether they may meet the underwriting standards of the insurer.

OR:

Judgment decision by the insurance agent concerning whether or not to submit an application. The decision is based on the agent's familiarity with the insurance company's underwriting requirements for standard risk and substandard risk . ​

Read more: http://www.answers.com/topic/field-underwriting#ixzz1XDTXaadR​

Pretty simple isn't it?​

I would like for other agents to express their views about this. Am I missing something?​

I'm not trying to stir the pot. Since you asked agents' opinions.
Using the term "Licensed Field Underwriter" is intentionally misleading prospects into believing you are something other than an agent. I find it deceitful and in bad taste.
Not trying to make you feel bad, just my opinion.

 

[Jim Jenkins]

don't say I'm an "underwriter" to a prospect, I use the term "licensed field underwriter".
"theinsuranceman"

If you look over my right shoulder that trophy is for "licensed field underwriter June 2010."

Suck on that.

 

[WinoBlues]

Just so that I can be # 50 in this threat. Why use Field Underwriter? That sounds stupid! What is wrong with Agent? I have been one for a very long time.

Just my 2 cents.

BTW, I could care less about LH, EFES, Senior Life or whoever.