Is there a Final Expense IMO/FMO that truly allows you to be fully independent?

[noah]

And that’s true for many agents . Paralysis of spending big money on leads holds many back . It’s the old saying 40% of $5 k is better than 130% of zero . The truth is the vast majority of agents are better of being “employees” . To each his own

We don't have a brokerage path anymore. We did in the beginning, but agents would treat the free lead program like a temporary destination when in fact it was the end goal.

A critical error many make is:

1. Not considering the free lead system's impact on optimizing agent performance and,
2. Drilling everything down to commission percentages alone.

I made this mistake for years myself and thought along the same lines as you all do. Hell, I even trash talked free lead programs in my first book back in 2016.

One last thing. The final expense forum is undeniably full of tough-minded, lone-wolf salespeople. Because of that, there is an obvious echo chamber of similar-minded people. The fatal mistake I realized is thinking that all agents should think or operate in the same manner.

Love this ! Keep planting seeds. Going telesales only is great for us lone wolfs. Gives us more to talk about at the door,kitchen table.
Nothing better than going into a house with freshly written business bought blindly over the phone. There hasn’t been any human follow up,telesales agents haven’t built any relationship with the client. I’m there to do that by giving them a policy review.
Like you said,most of these guys are green,so it’s easy to find mistakes.
This week I reviewed a GI policy bought over the phone. The agent that wrote it had the insured listed as the primary beneficiary. Lol…….
He also had the bank account number incorrect so it never drafted.
The insured is in great health and I had no problem writing him preferred.

 

[Rick Lee]

Nothing better than going into a house with freshly written business bought blindly over the phone.

So true. Just wrote $240/mo yesterday for a husband and wife who didn't know any better until I got in. No one is coming to save that cancelation. But someone is gonna feel it.