ING for FE

[Mattschmidt]

I think he was talking about ING, specifically.

Maybe he was. I know the IMO that I write Ing fully underwritten products said I could sell the FE product using the tele sale method. That's national brokerage and they arent a call center environment. Perhaps they were incorrect and gave me bad info

 

[senior-advisor-indiana]

I think he was talking about ING, specifically.

Yeah but he still gives bad info so it doesn't really matter...

 

[tins]

Maybe he was. I know the IMO that I write Ing fully underwritten products said I could sell the FE product using the tele sale method. That's national brokerage and they arent a call center environment. Perhaps they were incorrect and gave me bad info

What is their sweet spot? Term or WL?

 

[Mattschmidt]

What is their sweet spot? Term or WL?

I only use them for ROP term. To be quite honest I don't think they have a sweet spot with all the changes they have made to their insurance portfolio

 

[HoosierLife]

When I've run term and ROP term for small face amounts for the under 40 crowd they're always near the top.

 

[Tahoe Ray]

I only use them for ROP term. To be quite honest I don't think they have a sweet spot with all the changes they have made to their insurance portfolio

Their IUL can be pretty competitive.... And as you pointed out, the ROP term isn't bad either.

 

[Newby]

I've been told that I can do telesales with it and I don't run a call center. In fact, they encourage it.

 

[senior-advisor-indiana]

I've been told that I can do telesales with it and I don't run a call center. In fact, they encourage it.

That's not what dig says. I believe him...

 

[digfesales105]

I think he was talking about ING, specifically.

You're correct. Matt just like's to post negative comments the second he see's me post. If I said the sky is is blue he would respond something like "Not true. Recruiting should be in the offers section. You don't know what you're talking about. Please stop lying...." Something along those lines.


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I've been told that I can do telesales with it and I don't run a call center. In fact, they encourage it.

I/m not trying to make an argument with anyone. But it just rolled out yesterday. I've spoken with 5 different IMO's and frankly, none of them really know much about it nor how to sell it. You can't start selling until Monday regardless. I talk with 2 guys...same IMO. One guy forwarded me an email form the IMO where they told him it's F2F only. The other guy forwarded me and email from the same IMO saying HE could sell all over the phone.

It's so brand new, no one REALLY knows exactly everything about the product. But from what "I" see and know, you have to be "approved" to sell all over the phone. Otherwise, you must mail the app to the client. Maybe saying "call center" was jumping the gun.

But if I didn't jump the gun, Matt and SA wouldn't have anything to get their jolly's off on every weekend? Right?

 

[Newby]

You're correct. Matt just like's to post negative comments the second he see's me post. If I said the sky is is blue he would respond something like "Not true. Recruiting should be in the offers section. You don't know what you're talking about. Please stop lying...." Something along those lines.


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I/m not trying to make an argument with anyone. But it just rolled out yesterday. I've spoken with 5 different IMO's and frankly, none of them really know much about it nor how to sell it. You can't start selling until Monday regardless. I talk with 2 guys...same IMO. One guy forwarded me an email form the IMO where they told him it's F2F only. The other guy forwarded me and email from the same IMO saying HE could sell all over the phone.

It's so brand new, no one REALLY knows exactly everything about the product. But from what "I" see and know, you have to be "approved" to sell all over the phone. Otherwise, you must mail the app to the client. Maybe saying "call center" was jumping the gun.

But if I didn't jump the gun, Matt and SA wouldn't have anything to get their jolly's off on every weekend? Right?

As far as what I've been told, any agent under me can sell entirely over the phone. If there is a replacement, then the replacement form will need to be signed. I will re-verify this because when it was discussed I was not aware that there was any controversy to that.

There is another concession that the company made for us on something we saw as a problem. I don't think that part is the same for all channels.

I still need to familiarize myself with the product more. I don't know where it will fit with other FE products yet but for telesales (if allowed) it should be good to have.