They make the F.E. quoting engine company take them off the engine because every could see how much higher they were compared to everyone else.
Interested in Lincoln Heritage
- Thread starter cr1970
- Start date
They make the F.E. quoting engine company take them off the engine because every could see how much higher they were compared to everyone else.
- 15,041
What in the world does credit have to do with vesting? If a company really has that policy, it has to be the absolute dumbest use of credit I have ever heard of. Credit has no impact on whether I deserve to be paid should I leave or not.
I am feeling kind, here you go.
60 yr old male non-smoker 10,000
$47.20 preferred
$53.60 standard (where most folks fit with them)
2 yr modified $95.60 ( is a 15 pay)
By way of comparison, the same $10,000 with Royal Neighbors is $40.91, Foresters is close to that and underwriting is more liberal than LH's preferred plan. When you are looking at $13 a month or $156 a year, that is a rip off. They can get another $2500 in benefit for that money.
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- 213
You don't have to personally experience crap to understand crap. This is a hard enough business even without tying yourself to a grossly overpriced product, expensive leads, and low commissions.
You can do better.
You can do better.
If you do get a contract, make sure you read the vesting portion very well. You'll find a part in there that if you don't write with them for a year, they will cancel the contract and will keep your renewals once those renewals fall down below $250 per month!
One of the worse contracts I've ever ran across!
One of the worse contracts I've ever ran across!
- 17,069
This forum is full of pasty-faced trolls!
LH has been very good for me.
Go for it!
LH has been very good for me.
Go for it!
- Thread starter
- #17
- 687
I went and talked to a Lincoln Heritage manager here in Baton Rouge and found him to be very nice and professional. I was introduced to him a while back and had agreed to meet with him so I did. I believe some agencies are ran above board while others take the low road. I also believe this is found in all walks of life. I personally am an independent and like it like that, but that does not mean that I would not investigate all options.
Personally, and I may catch a lot of flack about it but:
1. I say go where you feel comfortable.
2. Do not agree to spend an excessive (more than $500/week) amount of money on leads in the beginning unless you can see contact/closing ratios per agent along with their persistency using these leads. I realize this may be a fabricated piece of paper.
3. While some say LH is a rip off to the client how much more expense does the policy have to be versus the cheapest policy to be considered a rip off? $10.00/month, $13.00/month. There have been posts on here where agents state they never sell the cheapest policy. Are they ripping the client off? Is someone selling Senior Life ripping the client off? How about AARP or Globe? IDK, and I am not trying to get in to a pissing match with anyone, just spurring up conversation.
4. I would get a copy of the contract along with product info and rates before I signed on with anyone, not just LH.
Lastly, Jimmy if you have a copy of the contract and rates why don't you share them?
Ron
Personally, and I may catch a lot of flack about it but:
1. I say go where you feel comfortable.
2. Do not agree to spend an excessive (more than $500/week) amount of money on leads in the beginning unless you can see contact/closing ratios per agent along with their persistency using these leads. I realize this may be a fabricated piece of paper.
3. While some say LH is a rip off to the client how much more expense does the policy have to be versus the cheapest policy to be considered a rip off? $10.00/month, $13.00/month. There have been posts on here where agents state they never sell the cheapest policy. Are they ripping the client off? Is someone selling Senior Life ripping the client off? How about AARP or Globe? IDK, and I am not trying to get in to a pissing match with anyone, just spurring up conversation.
4. I would get a copy of the contract along with product info and rates before I signed on with anyone, not just LH.
Lastly, Jimmy if you have a copy of the contract and rates why don't you share them?
Ron
His tongue is poking a hole all the way through his cheek.. Some people raise preying mantises as a hobby. Newby replaces overpriced LH policies with better plans. Everybody needs something to do for fun.
- 17,069
LH is a solid company that will be there for you in the beginning, the middle and the end.
If you are selling in Indiana I can supply you with special gold stars to place on mailboxes of houses you have sold.
Those gold stars will tell other agents "Don't bother. This one is all taken care of."
