Interview With Alan Town - $22,752,532 In 2017 Final Expense Production

[Rirwin]

In what way are their products inferior? What makes their FE product, for example, "a dog?"

It's the same reason why people think this was of sl and lh. It's not always competitively priced and you may sign the customer with a graded/rop when they can get immediate with another company.

There are two type of mindsets. You're either thinking in terms of sales or in terms of building a business. If you are always pushing the cheapest plan and looking for niches you can make decent money but will be nothing more than an insurance agent.

If you're trying to build a business you partner with a company and put as much of your business with them as possible. That's why most millionaires in the insurance industry work with one company. Alan is no different.

 

[Baseball7]

There are plenty of strong product options where you can put a majority of your business with one company without Shorting the client. Then the 15-20% niche cases place with others as needed.

 

[Thedude]

There are plenty of strong product options where you can put a majority of your business with one company without Shorting the client. Then the 15-20% niche cases place with others as needed.

How are you shorting the client?

 

[rousemark]

Well, I haven't written much with Columbian but I have found them to be one of the easiest HO to deal with. The people are friendly, knowledgeable and do what they say they will do when it comes to calling you back or sending information by email. Most problems that occur are handled while you are on the phone. I have never had to make a second call about an issue.

 

[DayTimer]

Alan Towns is talking the talk when he suggests Columbian is a reputable company ... They rival Bankers Life when it comes to promoting a product that everyone knows is a dog ... willing to push their inferior products.

There are plenty of strong product options where you can put a majority of your business with one company without Shorting the client. Then the 15-20% niche cases place with others as needed.

How are you shorting the client?

Yes, how is using Columbian "shorting" the client? How are their products inferior, and to whose products in particular are they inferior? There is nothing tangible in these criticisms.

 

[Baseball7]

"Shorting"

Pardon siri voice to text there. If you sell somebody a modified plan and they can get first day coverage you're giving them the short end of the stick....

That's what I'm saying.

 

[NuUzr]

"Shorting"

Pardon siri voice to text there. If you sell somebody a modified plan and they can get first day coverage you're giving them the short end of the stick....

That's what I'm saying.

How so?

 

[NuUzr]

If the client died within 6mo seems immediate coverage is best option.

 

[Thedude]

"Shorting"

Pardon siri voice to text there. If you sell somebody a modified plan and they can get first day coverage you're giving them the short end of the stick....

That's what I'm saying.

So you could short someone with any company

 

[DayTimer]

So you could short someone with any company

There still has not been a real criticism of Columbian's product itself and how it is inferior to other FE products. If my go-to company is ABC, and I have client who is not tall enough for her weight, which would make her graded or modified with ABC, but I could get level with XYZ who does not use a height/weight chart, that does not make ABC's product inferior to XYZ.'s. Now if I write for both companies, but I write her with ABC's graded product anyway because I'm trying to win a trip with ABC, then that is a problem with me as an agent - not ABC as a company.