Is there an App on the market like the Senior Life App?

[shonceman]

I disagree with Greg if he really doesn't care whether the beneficiary uses a benefit that was sold to the client. (I don't think he really doesn't care. He was being somewhat hyperbolic in order to make a point.) I always stress the importance of my client's beneficiaries calling me at claim time so I can coach them. If I was selling a benefit like LA, I would try to make doubly sure the beneficiary made use of it.

On the other hand, I agree with him about not being so focused on price. I'm independent, so I get to consider price for my clients. But it's not the only consideration. My main concern is to provide products and services that are best suited to my client's situation.

Then there are those agents who won't thrive in an independent situation with multiple carriers. They do better by working with one company that will be able to handle most of their clients' needs. Price is only a consideration among the different products from that one company. SL is well suited to that type of agent. As for me, I've been captive a couple of times in my career and was successful at it. But I always found it too confining.

 

[Todd King]

On the other hand, I agree with him about not being so focused on price. I'm independent, so I get to consider price for my clients. But it's not the only consideration. My main concern is to provide products and services that are best suited to my client's situation.

And that's just the thing. You could never accomplish that with one company. There is no one company that is the best for all clients. There never has been and there never will be.

 

[myinsurebiz]

The Columbian mobile quoting tool does that..It is not an eapp but you get does the MIB and RX while you are online and gives the final underwriting decision at the the end. Takes about 2 minutes.

You do it from a tablet, desktop, laptop?

Do you still have to be F2F with the client?

 

[Mattschmidt]

You do it from a tablet, desktop, laptop?

Do you still have to be F2F with the client?

Ask your upline Thomas p Coleman. That's what they are there for

 

[shonceman]

And that's just the thing. You could never accomplish that with one company. There is no one company that is the best for all clients. There never has been and there never will be.

I agree with that. But I also find that the definition of "overpriced" changes from agent to agent. If we were all that concerned about price, then why do so many independent agents have "pricebuster" companies? Why aren't those their primary companies?

I'll stand by my point about agents who aren't wired to function well in a multi-carrier environment. Those agents better not worry about price. Just sell.

 

[rousemark]

And that's just the thing. You could never accomplish that with one company. There is no one company that is the best for all clients. There never has been and there never will be.

Just how many companies do you have to have? Unless you represent every company that is in the business, you will never be absolutely sure you can offer the best deal in every situation.

 

[rousemark]

You do it from a tablet, desktop, laptop?

Do you still have to be F2F with the client?

Use the phone for the process I mentioned.. You still have to send in the paper app, but the plan has already been approved at the end of the quote. They have an eapp but I have no idea how it works.

 

[theinsuranceman]

Here's a different perspective...Suppose, just suppose, that when Ms. Jones passes away that SL gives the beneficiary the contact info for LA. NOW, if the family/beneficiary doesn't want to take advantage of these savings that's on them, not me, just like I said earlier. Understand this a little better now? Maybe the children decided on cremation rather than a burial, etc.

That way the family gets the casket, vault, and monument for $3500, it's impossible for them to miss out on the savings. And the remaining relatives are so impressed with the savings from LA that they also would like to get a Legacy membership! And then a SL agent, who happens to also be an advocate for Legacy (which is a separate and distinct entity from SL) can now sell insurance for SL and also enroll these new clients into LA so they can get the savings down the road.

Todd, can you offer anything like this to your clients whom you've written business on? I think the savings that LA provides is far superior to anything you can offer Ms. Jones. I proved mathematically in another post that even if you could offer the same plan that I can....and yours is $20/month cheaper than mine....that I've still got you beat on the savings whether death is the first week or 10 years late due to the immediate savings LA provides.

So Todd, with all due respect, you can now see that it's YOU who is putting Ms. Jones into a position where her funeral costs a lot more thru you than thru me. You just can't match this value like I can.

Todd here's a piece of advice: If you focus more on YOUR business and less on MY business you'll actually make more $$$! Imagine that...lol.

 

[myinsurebiz]

Use the phone for the process I mentioned.. You still have to send in the paper app, but the plan has already been approved at the end of the quote. They have an eapp but I have no idea how it works.

Do you have to be F2F?

Customer have to wet sig the paper app?

 

[Mattschmidt]

Here's a different perspective...Suppose, just suppose, that when Ms. Jones passes away that SL contacts Legacy and, as a form of professional courtesy, and as an additional service to the beneficiary, lets LA know of the deceased passing and the agent can now put the family into contact with Legacy. NOW, if the family doesn't want to take advantage of these savings that's on them, not me, just like I said earlier. Understand this a little better now? Maybe the children decided on cremation rather than a burial, etc.

That way the family gets the casket, vault, and monument for $3500, it's impossible for them to miss out on the savings. And the remaining relatives are so impressed with the savings from LA that they also would like to get a Legacy membership! And then a SL agent, who happens to also be an advocate for Legacy (which is a separate and distinct entity from SL) can now sell insurance for SL and also enroll these new clients into LA so they can get the savings down the road.

Todd, can you offer anything like this to your clients whom you've written business on? I think the savings that LA provides is far superior to anything you can offer Ms. Jones. I proved mathematically in another post that even if you could offer the same plan that I can....and yours is $20/month cheaper than mine....that I've still got you beat on the savings whether death is the first week or 10 years late due to the immediate savings LA provides.

So Todd, with all due respect, you can now see that it's YOU who is putting Ms. Jones into a position where her funeral costs a lot more thru you than thru me. You just can't match this value like I can.

Todd here's a piece of advice: If you focus more on YOUR business and less on MY business you'll actually make more $$$! Imagine that...lol.

Out of curiosity do you know of how many full time employees Legacy Assurance has?

Only ask because I've spoken with another senior life agent who's clients beneficiaries had a horrible time getting in touch with Legacy Assurance.

The agent also had hard time getting live person on phone to assist