Is Telesales Working Consistently. Here Are my Comparisons

Which one????

  • Daviso

    Votes: 4 18.2%
  • NorthStar

    Votes: 10 45.5%
  • Senior Life

    Votes: 6 27.3%
  • Securus

    Votes: 2 9.1%

  • Total voters
    22
For what it's worth and I realize it is only the experience of one agent, but Senior Life's top agent started out doing phone sales for them after leaving Prudential. I know this because I personally had contacted Senior as phone selling sounded pretty cool (no traffic, yippee!). But he pulled a bait and switch, convincing me the traditional route was the way to go.

I'm glad he did as deep down I knew he was right. He did offer to put me in contact with Senior's phone sales guru Charlie Spellman who he had moved down south to work under (Senior ain't big on home based phone sales!). This guy went from trying to phone sell to the point where he won't even phone for appointments (100% dk'ing).

Leave the phone selling to the gals in the office as they are way more suited for it ( in the early hunter/gatherer societies the men roamed and hunted while the women stayed put in the village). And if you are a man who can sit on the phone all day and are good at it, go be a stockbroker. You'll make a helluva lot more money.:idea:

You're right, he switched from phone sales to field sales a few years ago. And with field sales he door knocked, no appointments set.

However, when I saw him last month, he said he now prefers phone sales. He said he had to adjust the 6 inches between his ears. He then wrote $45k over 5 weeks....all over the phone....did not have to even crank his car up!

You probably still have his contact info. Call him to verify what I just said is true. Then ask him to teach you how to do tele-sales successfully. Good luck!

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Any idea on contract levels at Senior Life? Greg who?

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Contracts depend on what you bring to the table in the way of solo/team production. If you're looking for the cheapest premium we are not a good match. If you're looking for the 130+ contracts we are not a good match (unless you can bring $100k per week to the table with documentation).

But, if you're looking for a carrier that:

_does NOT do MIB's, RX checks, nor APS's on $20k and less face amounts.

_does not take charge-backs out of your advances, but takes them from the back end (so you know what you're getting paid each week and don't get knocked out of the game due to charge-backs)

_has a true GI ZERO health question app for ages 0-85

_pays renewals for the life of the policy (no 10 year cap as with most FE carriers)

_get paid the same day the home office receives the app and check (as long as it is received before 3pm est you get paid that night)

_a real english speaking person answers the phone, usually in 3-4 rings.

_health insurance for agents and their families

_leads that ring your office phone directly when a person calls one of the TV commercials if doing tele-sales

_having your smartphone pinged when someone calls a TV commercial and they live in your area, while you are working DM leads, so you can drive right over to their house

_a program where your customers can get their casket, vault, and monument locked into place for $3500 (approx. $7k over at the funeral home) and can pick out the casket they like ahead of time, so no one will be arguing about which casket to get momma because she already picked out what she likes

_no phone interview required

_lead financing available

I've been with them since 1999. They are not perfect but I'm completely satisfied with them. Otherwise I'd be somewhere else.

Feel free to call me if interested.

(Special Note: Watch the other recruiters and negative nay sayers come out of the woodwork, like termites, trying to discredit what I just posted).
 
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I'll share my research - I would not go with senior life or Greg. He has never produced a 100k producer. I don't care how much business he writes, it's clear his system does not work for his downline.

My friend , you don't train people to net $100k per year in the FE arena. You teach them how they can do it. Then, it depends on the heart and desire of the agent to put the plan into action.

I don't handle my agents' 1099's, just like I don't handle my agents' leads (they come directly from the carrier so no one thinks I cherry picked thru their leads), so I really don't know what each agent nets per year. But I doubt anyone is netting $100k per year.

I have the platform to make it happen, it's just very hard to find the agents with that kind of desire and commitment. Do you yourself have the desire and commitment?
 
So first you bash women and now you're thinking of another guy masturbating...makes sense now, I didn't know you swung that way - but cool I'm not judging...it's kinda weird that you're thinking of me, but I am a good looking guy. Want me to send you a picture with a phone cord wrapped around my neck? Will that relax your nerves a little?

Besides reading comprehension, what is your problem? He never once bashed women and I'm sure he certainly wasn't picturing some guy masturbating. Do you just read into everything like that?

Let me try and put it another way to you when it comes to FE telesales. Yes, there are people in FE telesales making some money. But the problem is that of the few that are making money, their commissions are cut so much because of those so-called "free" leads that it eats into the commissions that they could have made if they were independent. Most of the people you run across in telesales for FE are here today and gone tomorrow. Why? Because it is very hard work for the money that you actually make. I mean, compare sitting on the phone for 8 hours per day making less money than JD does working less than 40 hours per week on 15 leads. Imagine that for a second. JD works 15 leads and makes more than a telemarketer that is probably getting in 10-15 leads a day! Can you see the comparison now?

Another thing to think about. Do you want to work for someone that tells you when to be there, what hours to work, when you can take a break, etc....or do you want to be your own boss where you call the shots and can make more money doing it? Are the telemarketers real agents or are they just order takers who couldn't make it a week in the field? That's right, they are order takers!

It's up to you, but I don't see much of a decision to make here. Stupid is as stupid does!
 
You're right, he switched from phone sales to field sales a few years ago. And with field sales he door knocked, no appointments set.

However, when I saw him last month, he said he now prefers phone sales. He said he had to adjust the 6 inches between his ears. He then wrote $45k over 5 weeks....all over the phone....did not have to even crank his car up!

You probably still have his contact info. Call him to verify what I just said is true. Then ask him to teach you how to do tele-sales successfully. Good luck!

----------

Any idea on contract levels at Senior Life? Greg who?

----------

Contracts depend on what you bring to the table in the way of solo/team production. If you're looking for the cheapest premium we are not a good match. If you're looking for the 130+ contracts we are not a good match (unless you can bring $100k per week to the table with documentation).

But, if you're looking for a carrier that:

_does NOT do MIB's, RX checks, nor APS's on $20k and less face amounts.

_does not take charge-backs out of your advances, but takes them from the back end (so you know what you're getting paid each week and don't get knocked out of the game due to charge-backs)

_has a true GI ZERO health question app for ages 0-85

_pays renewals for the life of the policy (no 10 year cap as with most FE carriers)

_get paid the same day the home office receives the app and check (as long as it is received before 3pm est you get paid that night)

_a real english speaking person answers the phone, usually in 3-4 rings.

_health insurance for agents and their families

_leads that ring your office phone directly when a person calls one of the TV commercials if doing tele-sales

_having your smartphone pinged when someone calls a TV commercial and they live in your area, while you are working DM leads, so you can drive right over to their house

_a program where your customers can get their casket, vault, and monument locked into place for $3500 (approx. $7k over at the funeral home) and can pick out the casket they like ahead of time, so no one will be arguing about which casket to get momma because she already picked out what she likes

_no phone interview required

_lead financing available

I've been with them since 1999. They are not perfect but I'm completely satisfied with them. Otherwise I'd be somewhere else.

Feel free to call me if interested.

(Special Note: Watch the other recruiters and negative nay sayers come out of the woodwork, like termites, trying to discredit what I just posted).

That's quite a sea change, Greg. I do still have Eric's number and just might reach out. I am certainly not doubting you but because we became fast friends a few years back and he taught me so much ( I kind of miss him- great, fun guy). And I just would be curious as to what caused the "180". Other than the commute from his home, he was hardly driving. All the leads seemed to be right around the corner from each other.

Thanks for the feedback. Most interesting and I guess I need to stop telling that story!.:err:
 
You're right, he switched from phone sales to field sales a few years ago. And with field sales he door knocked, no appointments set.

However, when I saw him last month, he said he now prefers phone sales. He said he had to adjust the 6 inches between his ears. He then wrote $45k over 5 weeks....all over the phone....did not have to even crank his car up!

You probably still have his contact info. Call him to verify what I just said is true. Then ask him to teach you how to do tele-sales successfully. Good luck!

----------

Any idea on contract levels at Senior Life? Greg who?

----------

Contracts depend on what you bring to the table in the way of solo/team production. If you're looking for the cheapest premium we are not a good match. If you're looking for the 130+ contracts we are not a good match (unless you can bring $100k per week to the table with documentation).

But, if you're looking for a carrier that:

_does NOT do MIB's, RX checks, nor APS's on $20k and less face amounts.

_does not take charge-backs out of your advances, but takes them from the back end (so you know what you're getting paid each week and don't get knocked out of the game due to charge-backs)

_has a true GI ZERO health question app for ages 0-85

_pays renewals for the life of the policy (no 10 year cap as with most FE carriers)

_get paid the same day the home office receives the app and check (as long as it is received before 3pm est you get paid that night)

_a real english speaking person answers the phone, usually in 3-4 rings.

_health insurance for agents and their families

_leads that ring your office phone directly when a person calls one of the TV commercials if doing tele-sales

_having your smartphone pinged when someone calls a TV commercial and they live in your area, while you are working DM leads, so you can drive right over to their house

_a program where your customers can get their casket, vault, and monument locked into place for $3500 (approx. $7k over at the funeral home) and can pick out the casket they like ahead of time, so no one will be arguing about which casket to get momma because she already picked out what she likes

_no phone interview required

_lead financing available

I've been with them since 1999. They are not perfect but I'm completely satisfied with them. Otherwise I'd be somewhere else.

Feel free to call me if interested.

(Special Note: Watch the other recruiters and negative nay sayers come out of the woodwork, like termites, trying to discredit what I just posted).

Good points by Greg

However he doesn't mention that senior life randomly charges you for state renewal fees. Most companies pay for these up front. Not senior life. Example : you get licensesd in Massachusetts. Costs you 75 dollars for appointment fee. 3 months later senior life claims Massachusetts state insurance department needs a renewal fee. No warning or documentation from them. They just charge you and tell you to call the state of Massachusetts and ask foe clarification. Multiply that by all states you are licensed in. They give no warning when fees will be collected and just charge you or take out costs from commissions.

Also Greg didn't mention that senior life calls your clients for no reason after submitting applications. Those hourly employees actually talk the clients out of the sale and disrupt your sales process. Shey would senior life randomly call a client without letting an agent know???

Senior life also advances only 700 of commission. And they max out total advancement at 10000

So if you are selling high volume and placing cases you will soon stop being advanced. But Greg doesn't tell people this. Also if you are paying close to 40 a lead thru senior life you'll soon not be able to afford them if you're paid as earned.

Senior life also doesn't pay renewals unless you sell legacy assurance plan. This is something Greg won't tell you unless you call him out on it. Seems shady your upline manager would not tell you about this ahead of time. Senior life also docks commission 20% for not selling legacy assurance plan. Again hurting the agent just because the client doesn't need this legacy assurance plan.

Senior life could be a company you could use periodically. But they don't want to play ball with agents.

Managers tend to not be open to their agents and mislead or play dumb when confronted
 
You're right, he switched from phone sales to field sales a few years ago. And with field sales he door knocked, no appointments set.

However, when I saw him last month, he said he now prefers phone sales. He said he had to adjust the 6 inches between his ears. He then wrote $45k over 5 weeks....all over the phone....did not have to even crank his car up!

You probably still have his contact info. Call him to verify what I just said is true. Then ask him to teach you how to do tele-sales successfully. Good luck!

----------



Good points by Greg

However he doesn't mention that senior life randomly charges you for state renewal fees. Most companies pay for these up front. Not senior life. Example : you get licensesd in Massachusetts. Costs you 75 dollars for appointment fee. 3 months later senior life claims Massachusetts state insurance department needs a renewal fee. No warning or documentation from them. They just charge you and tell you to call the state of Massachusetts and ask foe clarification. Multiply that by all states you are licensed in. They give no warning when fees will be collected and just charge you or take out costs from commissions.

Also Greg didn't mention that senior life calls your clients for no reason after submitting applications. Those hourly employees actually talk the clients out of the sale and disrupt your sales process. Shey would senior life randomly call a client without letting an agent know???

Senior life also advances only 700 of commission. And they max out total advancement at 10000

So if you are selling high volume and placing cases you will soon stop being advanced. But Greg doesn't tell people this. Also if you are paying close to 40 a lead thru senior life you'll soon not be able to afford them if you're paid as earned.

Senior life also doesn't pay renewals unless you sell legacy assurance plan. This is something Greg won't tell you unless you call him out on it. Seems shady your upline manager would not tell you about this ahead of time. Senior life also docks commission 20% for not selling legacy assurance plan. Again hurting the agent just because the client doesn't need this legacy assurance plan.

Senior life could be a company you could use periodically. But they don't want to play ball with agents.

Managers tend to not be open to their agents and mislead or play dumb when confronted

Heck , you left out the best part: If persistency is below a certain level they keep all the renewals.:yes:
 
You're right, he switched from phone sales to field sales a few years ago. And with field sales he door knocked, no appointments set.

However, when I saw him last month, he said he now prefers phone sales. He said he had to adjust the 6 inches between his ears. He then wrote $45k over 5 weeks....all over the phone....did not have to even crank his car up!

You probably still have his contact info. Call him to verify what I just said is true. Then ask him to teach you how to do tele-sales successfully. Good luck!

----------



Good points by Greg

However he doesn't mention that senior life randomly charges you for state renewal fees. Most companies pay for these up front. Not senior life. Example : you get licensesd in Massachusetts. Costs you 75 dollars for appointment fee. 3 months later senior life claims Massachusetts state insurance department needs a renewal fee. No warning or documentation from them. They just charge you and tell you to call the state of Massachusetts and ask foe clarification. Multiply that by all states you are licensed in. They give no warning when fees will be collected and just charge you or take out costs from commissions.

Also Greg didn't mention that senior life calls your clients for no reason after submitting applications. Those hourly employees actually talk the clients out of the sale and disrupt your sales process. Shey would senior life randomly call a client without letting an agent know???

Senior life also advances only 700 of commission. And they max out total advancement at 10000

So if you are selling high volume and placing cases you will soon stop being advanced. But Greg doesn't tell people this. Also if you are paying close to 40 a lead thru senior life you'll soon not be able to afford them if you're paid as earned.

Senior life also doesn't pay renewals unless you sell legacy assurance plan. This is something Greg won't tell you unless you call him out on it. Seems shady your upline manager would not tell you about this ahead of time. Senior life also docks commission 20% for not selling legacy assurance plan. Again hurting the agent just because the client doesn't need this legacy assurance plan.

Senior life could be a company you could use periodically. But they don't want to play ball with agents.

Managers tend to not be open to their agents and mislead or play dumb when confronted



However he doesn't mention that senior life randomly charges you for state renewal fees. Most companies pay for these up front. Not senior life. Example : you get licensesd in Massachusetts. Costs you 75 dollars for appointment fee. 3 months later senior life claims Massachusetts state insurance department needs a renewal fee. No warning or documentation from them. They just charge you and tell you to call the state of Massachusetts and ask foe clarification. Multiply that by all states you are licensed in. They give no warning when fees will be collected and just charge you or take out costs from commissions.

I'm 1099 and expect to pay my own non-residence license fees and appointment fees. I believe you'll find other companies start to do this to distance themselves from an employee-employer relationship with their agents. Something about IRS? If you can't afford to pay your appointment fees you may be in the wrong industry...lol.

Also Greg didn't mention that senior life calls your clients for no reason after submitting applications. Those hourly employees actually talk the clients out of the sale and disrupt your sales process. Shey would senior life randomly call a client without letting an agent know???

They call when a policy is issued to review it with the new customer....draft date, beneficiaries, correct address, premium, etc. just lie an agent would do if they had to drive and deliver the policy to the new customer. Why can't you see this? This allows an agent a little more time to spend on production. You can understand this point can't you? You may be used to doing things a little shady. Otherwise why would you not welcome this feature. Helps with your persistency (more $$$ for the agent and the co.).


Senior life also advances only 700 of commission. And they max out total advancement at 10000

So if you are selling high volume and placing cases you will soon stop being advanced. But Greg doesn't tell people this. Also if you are paying close to 40 a lead thru senior life you'll soon not be able to afford them if you're paid as earned.


$700 max. advance protects the immediate mgr. from agent debt. Like when an agent gets advanced $3 grand, the business falls off 2 months later, the agent quits shortly thereafter, and the immediate manager is eating that charge back debt. If an agent wrote just 4 apps for the week, maxed out at $700 advance for each app, they still earn $2800 in advance commissions, and the other part of the commission goes to their pay-thru. All the agents I know prefer this arrangement rather than facing immediate charge backs. PLUS it protects a manager from bad agents like you....lol.

Your 2nd paragraph about becoming as earned due to the $700 max advance per household is ridiculous. I thought you were smarter than that. Didn't you brag up here a couple of years ago you were a pre med student?


Senior life also doesn't pay renewals unless you sell legacy assurance plan. This is something Greg won't tell you unless you call him out on it. Seems shady your upline manager would not tell you about this ahead of time. Senior life also docks commission 20% for not selling legacy assurance plan. Again hurting the agent just because the client doesn't need this legacy assurance plan.

This is clearly spelled out on the commission grid that an agent signs and dates. Just because you are careless and don't read your contracts carefully shows you are a poor businessman. You are so full of BS lies.

I can see you will try to discredit SL whenever you get a chance. I believe it is because they terminated you a few years ago due to a temper tantrum you had while on the phone with the home office.

By the way your college roommate Derek has been doing tele-sales with SL on my team about 3 years now. He complains maybe once per year. I noticed earlier today his 13 month persistency is 100% with us...and it's all tele-sales too.

You complain a lot about SL and you are not even an agent. As I said earlier it must be because of your temper tantrum towards the home office.

I believe your new name will be "ROCKET MAN".....lol....you are definitely a loose cannon that needs to be reigned in....lol.

I will have no other comments about this subject as I don't have time to waste up here.
 
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However he doesn't mention that senior life randomly charges you for state renewal fees. Most companies pay for these up front. Not senior life. Example : you get licensesd in Massachusetts. Costs you 75 dollars for appointment fee. 3 months later senior life claims Massachusetts state insurance department needs a renewal fee. No warning or documentation from them. They just charge you and tell you to call the state of Massachusetts and ask foe clarification. Multiply that by all states you are licensed in. They give no warning when fees will be collected and just charge you or take out costs from commissions.

I'm 1099 and expect to pay my own non-residence license fees and appointment fees. I believe you'll find other companies start to do this to distance themselves from an employee-employer relationship with their agents. Something about IRS? If you can't afford to pay your appointment fees you may be in the wrong industry...lol.

Also Greg didn't mention that senior life calls your clients for no reason after submitting applications. Those hourly employees actually talk the clients out of the sale and disrupt your sales process. Shey would senior life randomly call a client without letting an agent know???

They call when a policy is issued to review it with the new customer....draft date, beneficiaries, correct address, premium, etc. just lie an agent would do if they had to drive and deliver the policy to the new customer. Why can't you see this? This allows an agent a little more time to spend on production. You can understand this point can't you? You may be used to doing things a little shady. Otherwise why would you not welcome this feature. Helps with your persistency (more $$$ for the agent and the co.).


Senior life also advances only 700 of commission. And they max out total advancement at 10000

So if you are selling high volume and placing cases you will soon stop being advanced. But Greg doesn't tell people this. Also if you are paying close to 40 a lead thru senior life you'll soon not be able to afford them if you're paid as earned.


$700 max. advance protects the immediate mgr. from agent debt. Like when an agent gets advanced $3 grand, the business falls off 2 months later, the agent quits shortly thereafter, and the immediate manager is eating that charge back debt. If an agent wrote just 4 apps for the week, maxed out at $700 advance for each app, they still earn $2800 in advance commissions, and the other part of the commission goes to their pay-thru. All the agents I know prefer this arrangement rather than facing immediate charge backs. PLUS it protects a manager from bad agents like you....lol.

Your 2nd paragraph about becoming as earned due to the $700 max advance per household is ridiculous. I thought you were smarter than that. Didn't you brag up here a couple of years ago you were a pre med student?


Senior life also doesn't pay renewals unless you sell legacy assurance plan. This is something Greg won't tell you unless you call him out on it. Seems shady your upline manager would not tell you about this ahead of time. Senior life also docks commission 20% for not selling legacy assurance plan. Again hurting the agent just because the client doesn't need this legacy assurance plan.

This is clearly spelled out on the commission grid that an agent signs and dates. Just because you are careless and don't read your contracts carefully shows you are a poor businessman. You are so full of BS lies.

I can see you will try to discredit SL whenever you get a chance. I believe it is because they terminated you a few years ago due to a temper tantrum you had while on the phone with the home office.

By the way your college roommate Derek has been doing tele-sales with SL on my team about 3 years now. He complains maybe once per year. I noticed earlier today his 13 month persistency is 100% with us...and it's all tele-sales too.

You complain a lot about SL and you are not even an agent. As I said earlier it must be because of your temper tantrum towards the home office.

I believe your new name will be "ROCKET MAN".....lol....you are definitely a loose cannon that needs to be reigned in....lol.

I will have no other comments about this subject as I don't have time to waste up here.


That's funny, I don't have a roommate from college named Derek. Another lie by Greg. I have a guy that I sell leads to , named Derek.

And it's funny you'd offer contracts lower to your agents, and then offer higher contracts to people on the forum. You gave him 90% contracts and then when I called you out on an open forum you called him up next day and offered higher ( Yes, greg is a slimeball and lies about what compensation he can offer)

So for the record, you're telling me you do not have any knowledge, of an agent of yours getting licensed in a state 4 months ago, paying an appointment fee, and then Senior life charging a renewal fee 30 days after???? Be honest Greg....

I also know of multiple agents who have problems with Senior Life home office processing basic forms, licensing requests, calling clients without agents permission, not drafting premiums on specific dates, or honoring policy changes that were sent to the home office etc .

Does this happen to you Greg??? Do you ever do 3 ways calls into Senior life with agents and resolve issues??? Or do you sit on the 3 call like a country bumpkin and say " I didn't know"???? Be honest. As an upline, how do you address your downline agents struggles with home office????

So you are stating for the record that when you talk to agents YOU SPECIFICALLY point out NO renewals unless you sell legacy assurance plan??? Be honest Greg, agents on this forum you've talked to have point this out to me that you by pass this. Don't be a sleazy telesales agent who tells others lies.

Greg is also the same type of manager who instead of getting licensed in states his agents are licensed in, he would move your contract to home office ( yes, Greg wouldn't get licensed, so as an agent, your clients application wouldn't get approved) Remember how I moved my contract from you straight to home office due to your incompetence???

Greg also would tell you as an agent you didn't need to get a HIPAA form signed at point of sale. Told me on recorded line it wasn't necessary. Of course this was not true, and a HIPAA form would eventually be needed. Wouldn't you think your upline manager would know what forms are needed????

Greg, you talk a good game, but you come up short on the facts. Be honest when recruiting, be ethical when explaining your products, and good things will come to you. If you lie, and mislead, then you'll continue to struggle.

Again, instead of going to bat for your down line agents, you support excuses from your home office. Not to mention you offer low ball contracts initially.

Not a good look Gregory
 
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