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

[goillini52]

All in my area were in the 4800-5800 range. Everyone stated average casket 1500, vault 1000. That leaves 1000 for a marker.

I can't remember how I found that site, but I have their link on mine.

 

[shonceman]

I can't remember how I found that site, but I have their link on mine.

I use that site in my sales presentation for people who have a funeral home they like. We just look up that funeral home on the Parting site instead of just showing the NFDA averages. I've got a widget on my iPad home screen to take me straight there.

 

[theinsuranceman]

Or that Senior Life has no skin in the game if Legacy Assurance ends at a future date? Which is what has happened 100% of the time that companies have offered funeral merchandise price guarantees tied to life insurance policies with no inflation factor built into the life insurance product.

History just repeats itself over and over. This is nothing new. In the short term, it's just a way to sell cheap caskets to people with life insurance. Over the long term, 20 or 25 years when normal inflation makes it impossible to turn a profit selling caskets at prices quoted years earlier...you just close down Legacy Assurance and Senior Life has no responsibility other than to pay their insurance claim. It's a proven winner for the insurance company. Not so much for consumers.

Newby you are right about everything....lol.

How about when you were pushing 5 Star couple years ago? You were pushing them very heavily as the new best FE carrier to enter the arena. They were great you said. You were just spewing recruiter talk, maybe they gave you a bigger contract? You say pretty much whatever you can think of up here to recruit agents. Even your star JD called you out on this....lol. Now where's 5 Star? GONE! What's your comments on this?

How about Settlers? You've been touting how good of a FE carrier they were after 5 Star ran away! So....what's happened to Settlers now? GONE! They are also exiting the FE arena.

Why should anyone believe that you actually know what you are talking about when it comes to FE? Your FE track record is lacking.

It's obvious to anyone who has been around the block a few times that you were really just spewing recruiter talk! Both of the 2 carriers you were telling your recruits how good they were have gotten out of the FE business.

So Newby, your predictions about who is going to do what in the FE arena is sorely lacking. Doesn't matter if you're stating lies about Legacy or another FE carrier.

You try to come across as a FE expert. But you don't focus on FE, you do Med Supp, annuities and other products. True FE experts sell ONLY FE, no other products, and they have several continuous years doing it with no break.

You even had to get a FE expert named Travis to cover your lack of true FE experience...lol.

On a side note have you sold any FE lately? Do you ever say anything good about anyone or anything other than what you are pushing?

As far as Legacy, why would they ever want to go out of business? Why would any business set up shop just to deliberately go out of business in the future? Don't you see how silly your thoughts about legacy are? Your thoughts are so wrong....just like they were with 5 Star and with Settlers?

You don't know how to close FE deals. That's why you are so focused on who has the cheapest premium, right? If any of your FE agents are struggling and need a real opportunity let them come join my team for 60 days. Then they can come up here and report what they experienced.

HERE'S SOME OF WHAT I CAN OFFER YOUR AGENTS...ALL THEY HAVE TO DO IS CALL ME!

$1000 BONUS For Placing In The TOP 5 In The Nation In Production For The Month!

$500 BONUS For Placing 6-10 In The Nation In Production For The Month!



FINAL EXPENSE LIFE INSURANCE AGENTS WORK 20 FRESH EXCLUSIVE TV AND DIRECT MAIL LEADS EACH WEEK! ALL LEADS ARE GENERATED BY THE INSURANCE CARRIER, NOT THE AGENCY!

__________________________________________________

YOU WILL AVERAGE $1100-$2100 PROFIT EACH WEEK WORKING 20 LEADS!

_20 FRESH EXCLUSIVE LEADS EACH WEEK GENERATED BY THE CARRIER, NOT THE AGENCY! THEY'RE USUALLY CLUSTERED IN THE SAME ZIP CODE!


AND……


TV LEADS CAN BE SENT TO YOUR SMART PHONE WHEN SOMEONE CALLS OUR TV COMMERCIAL! THAT'S A LEAD THAT'S LESS THAN 60 SECONDS OLD! NO OTHER CARRIER IN THE COUNTRY CAN PROVIDE THIS OPPORTUNITY TO THEIR AGENTS!


· _OUR AGENTS START AT SOME OF THE HIGHEST COMMISSION LEVELS WITH THE OPPORTUNITY TO PROMOTE THEMSELVES TO EVEN HIGHER LEVELS BASED ON PRODUCTION!


· _MANAGERS WITH SALES TEAMS COMMAND EVEN HIGHER COMMISSION LEVELS!


· _LEAD FINANCING AVAILABLE!


· _NO MIB'S and NO DR. RECORDS ON WHOLE LIFE FACE AMOUNTS OF $20,000 AND LESS!


· _GET PAID THE SAME DAY THE CARRIER RECEIVES THE APPLICATION AND CHECK!


· _CHARGE-BACKS NEVER DEDUCTED FROM YOUR ADVANCED COMMISSIONS! YOUR PAY EACH WEEK IS BASED SOLELY ON PRODUCTION ISSUED! HELPS AN AGENT STAY ON BOARD AND MAKE A CAREER WITH US!


· _COMPLETE 3 DAY FIELD TRAINING TO START YOU OFF! A "TOP GUN" MANAGER CAN RIDE WITH YOU EVERY 2 WEEKS THEREAFTER TO KEEP YOU SUCCESSFUL!


· _SIMPLE ONE PAGE APPLICATION!


· _TALK DIRECTLY WITH UNDERWRITERS!


· WE HAVE A ZERO HEALTH QUESTION "GUARANTEE ISSUE" APPLICATION FOR AGES 0-85! ALL HEALTH CONDITIONS ACCEPTED…HIV/AIDS, CANCER, HEART, NURSING HOME, EVERYTHING ACCEPTED!


· _HEALTH INSURANCE FOR YOU AND YOUR FAMILY!


· _RENEWALS ARE PAID FOR THE LIFE OF THE POLICY! (MOST OTHER COMPANIES STOP PAYING RENEWALS AT THE END OF 10 YEARS, WE PAY BEYOND 10 YEARS)! CREATE YOURSELF A HEALTHY BASE OF RENEWALS FOR YOUR RETIREMENT!


· _NO REDUCTION IN COMMISSIONS FOR AGES 81-85! (MOST OTHER COMPANIES CUT YOUR COMMISSIONS FOR AGES 81-85)!


· _NO REDUCTION IN COMMISSIONS FOR SAVINGS DRAFTS!


· _FIELD SALES (FACE TO FACE) OR TELE-SALES (NO TRAVELING, EVERYTHING HANDLED OVER THE PHONE….INCLUDING VOICE SIGNATURE)!


· _WE CAN WRITE AGES 0-85!


· _INSULIN DEPENDENT MINORS GET IMMEDIATE COVERAGE!


· _MANAGEMENT OPPORTUNITIES AVAILABLE!


· _WE HAVE PARTNERED WITH WWW.LEGACY-ASSURANCE.COM SO OUR CUSTOMERS CAN GET THEIR, CASKET, VAULT, MONUMENT, OR URN FOR ABOUT HALF THE PRICE THAT FUNERAL HOMES CHARGE! DRAMATIC IMPROVEMENT ON CLOSING % AND PERSISTENCY! SOME PEOPLE WHO ALREADY HAVE PLENTY OF INSURANCE WILL STILL TAKE OUT A SMALL POLICY WITH US JUST SO THEY CAN GET THESE SAVINGS!


HERE'S WHAT WE REQUIRE….

_A STANDARD IPAD. THE PRESENTATION WILL BE ON YOUR IPAD SO YOU CAN GIVE THE EXACT SAME WORLD CLASS PRESENTATION TO EACH AND EVERY PROSPECT!

_TREMENDOUS WORK ETHIC!

_MUST BE COACHABLE!

_POSITIVE ATTITUDE ALL THE TIME!

_A BURNING DESIRE TO SUCCEED!

_MUST HAVE LIFE INSURANCE LICENSE OR WILLING TO GET ONE ($39.95 THRU US)


NOTHING HAPPENS IN OUR BUSINESS UNTIL SOMEONE SELLS SOMETHING. THE INDIVIDUAL AGENT IS MUCH MORE IMPORTANT THAN ALL THE SUPPORT PERSONNEL AT THE HOME OFFICE! THE AGENT IS THE ONE TO BE ADMIRED AND THE ONE TO BE APPLAUDED! WITHOUT THE AGENT NONE OF THE REST OF US WOULD BE NECESSARY! AGENTS ARE THE HEART AND SOUL OF OUR COMPANY!



FOR DETAILS:

CONTACT GREG @ 252-292-3350 TODAY!


I'VE BEEN WITH THIS COMPANY SINCE 1999! THIS IS THE BEST FINAL EXPENSE OPPORTUNITY IN AMERICA! OTHERWISE, I'D BE WITH A DIFFERENT COMPANY! SO CALL ME!


$1000 BONUS For Placing In The TOP 5 In The Nation In Production For The Month!

$500 BONUS For Placing 6-10 In The Nation In Production For The Month!

 

[rousemark]

Newby you are right about everything....lol.

How about when you were pushing 5 Star couple years ago? You were pushing them very heavily as the new best FE carrier to enter the arena. They were great you said. You were just spewing recruiter talk, maybe they gave you a bigger contract? You say pretty much whatever you can think of up here to recruit agents. Even your star JD called you out on this....lol. Now where's 5 Star? GONE! What's your comments on this?

How about Settlers? You've been touting how good of a FE carrier they were after 5 Star ran away! So....what's happened to Settlers now? GONE! They are also exiting the FE arena.

Why should anyone believe that you actually know what you are talking about when it comes to FE? Your FE track record is lacking.

It's obvious to anyone who has been around the block a few times that you were really just spewing recruiter talk! Both of the 2 carriers you were telling your recruits how good they were have gotten out of the FE business.

So Newby, your predictions about who is going to do what in the FE arena is sorely lacking. Doesn't matter if you're stating lies about Legacy or another FE carrier.

You try to come across as a FE expert. But you don't focus on FE, you do Med Supp, annuities and other products. True FE experts sell ONLY FE, no other products, and they have several continuous years doing it with no break.

You even had to get a FE expert named Travis to cover your lack of true FE experience...lol.

On a side note have you sold any FE lately? Do you ever say anything good about anyone or anything other than what you are pushing?

As far as Legacy, why would they ever want to go out of business? Why would any business set up shop just to deliberately go out of business in the future? Don't you see how silly your thoughts about legacy are? Your thoughts are so wrong....just like they were with 5 Star and with Settlers?

You don't know how to close FE deals. That's why you are so focused on who has the cheapest premium, right? If any of your FE agents are struggling and need a real opportunity let them come join my team for 60 days. Then they can come up here and report what they experienced.

HERE'S SOME OF WHAT I CAN OFFER YOUR AGENTS...ALL THEY HAVE TO DO IS CALL ME!

$1000 BONUS For Placing In The TOP 5 In The Nation In Production For The Month!

$500 BONUS For Placing 6-10 In The Nation In Production For The Month!



FINAL EXPENSE LIFE INSURANCE AGENTS WORK 20 FRESH EXCLUSIVE TV AND DIRECT MAIL LEADS EACH WEEK! ALL LEADS ARE GENERATED BY THE INSURANCE CARRIER, NOT THE AGENCY!

__________________________________________________

YOU WILL AVERAGE $1100-$2100 PROFIT EACH WEEK WORKING 20 LEADS!

_20 FRESH EXCLUSIVE LEADS EACH WEEK GENERATED BY THE CARRIER, NOT THE AGENCY! THEY'RE USUALLY CLUSTERED IN THE SAME ZIP CODE!


AND……


TV LEADS CAN BE SENT TO YOUR SMART PHONE WHEN SOMEONE CALLS OUR TV COMMERCIAL! THAT'S A LEAD THAT'S LESS THAN 60 SECONDS OLD! NO OTHER CARRIER IN THE COUNTRY CAN PROVIDE THIS OPPORTUNITY TO THEIR AGENTS!


· _OUR AGENTS START AT SOME OF THE HIGHEST COMMISSION LEVELS WITH THE OPPORTUNITY TO PROMOTE THEMSELVES TO EVEN HIGHER LEVELS BASED ON PRODUCTION!


· _MANAGERS WITH SALES TEAMS COMMAND EVEN HIGHER COMMISSION LEVELS!


· _LEAD FINANCING AVAILABLE!


· _NO MIB'S and NO DR. RECORDS ON WHOLE LIFE FACE AMOUNTS OF $20,000 AND LESS!


· _GET PAID THE SAME DAY THE CARRIER RECEIVES THE APPLICATION AND CHECK!


· _CHARGE-BACKS NEVER DEDUCTED FROM YOUR ADVANCED COMMISSIONS! YOUR PAY EACH WEEK IS BASED SOLELY ON PRODUCTION ISSUED! HELPS AN AGENT STAY ON BOARD AND MAKE A CAREER WITH US!


· _COMPLETE 3 DAY FIELD TRAINING TO START YOU OFF! A "TOP GUN" MANAGER CAN RIDE WITH YOU EVERY 2 WEEKS THEREAFTER TO KEEP YOU SUCCESSFUL!


· _SIMPLE ONE PAGE APPLICATION!


· _TALK DIRECTLY WITH UNDERWRITERS!


· WE HAVE A ZERO HEALTH QUESTION "GUARANTEE ISSUE" APPLICATION FOR AGES 0-85! ALL HEALTH CONDITIONS ACCEPTED…HIV/AIDS, CANCER, HEART, NURSING HOME, EVERYTHING ACCEPTED!


· _HEALTH INSURANCE FOR YOU AND YOUR FAMILY!


· _RENEWALS ARE PAID FOR THE LIFE OF THE POLICY! (MOST OTHER COMPANIES STOP PAYING RENEWALS AT THE END OF 10 YEARS, WE PAY BEYOND 10 YEARS)! CREATE YOURSELF A HEALTHY BASE OF RENEWALS FOR YOUR RETIREMENT!


· _NO REDUCTION IN COMMISSIONS FOR AGES 81-85! (MOST OTHER COMPANIES CUT YOUR COMMISSIONS FOR AGES 81-85)!


· _NO REDUCTION IN COMMISSIONS FOR SAVINGS DRAFTS!


· _FIELD SALES (FACE TO FACE) OR TELE-SALES (NO TRAVELING, EVERYTHING HANDLED OVER THE PHONE….INCLUDING VOICE SIGNATURE)!


· _WE CAN WRITE AGES 0-85!


· _INSULIN DEPENDENT MINORS GET IMMEDIATE COVERAGE!


· _MANAGEMENT OPPORTUNITIES AVAILABLE!


· _WE HAVE PARTNERED WITH WWW.LEGACY-ASSURANCE.COM SO OUR CUSTOMERS CAN GET THEIR, CASKET, VAULT, MONUMENT, OR URN FOR ABOUT HALF THE PRICE THAT FUNERAL HOMES CHARGE! DRAMATIC IMPROVEMENT ON CLOSING % AND PERSISTENCY! SOME PEOPLE WHO ALREADY HAVE PLENTY OF INSURANCE WILL STILL TAKE OUT A SMALL POLICY WITH US JUST SO THEY CAN GET THESE SAVINGS!


HERE'S WHAT WE REQUIRE….

_A STANDARD IPAD. THE PRESENTATION WILL BE ON YOUR IPAD SO YOU CAN GIVE THE EXACT SAME WORLD CLASS PRESENTATION TO EACH AND EVERY PROSPECT!

_TREMENDOUS WORK ETHIC!

_MUST BE COACHABLE!

_POSITIVE ATTITUDE ALL THE TIME!

_A BURNING DESIRE TO SUCCEED!

_MUST HAVE LIFE INSURANCE LICENSE OR WILLING TO GET ONE ($49 THRU US)


NOTHING HAPPENS IN OUR BUSINESS UNTIL SOMEONE SELLS SOMETHING. THE INDIVIDUAL AGENT IS MUCH MORE IMPORTANT THAN ALL THE SUPPORT PERSONNEL AT THE HOME OFFICE! THE AGENT IS THE ONE TO BE ADMIRED AND THE ONE TO BE APPLAUDED! WITHOUT THE AGENT NONE OF THE REST OF US WOULD BE NECESSARY! AGENTS ARE THE HEART AND SOUL OF OUR COMPANY!



FOR DETAILS:

CONTACT GREG @ 252-292-3350 TODAY!


I'VE BEEN WITH THIS COMPANY SINCE 1999! THIS IS THE BEST FINAL EXPENSE OPPORTUNITY IN AMERICA! OTHERWISE, I'D BE WITH A DIFFERENT COMPANY! SO CALL ME!


$1000 BONUS For Placing In The TOP 5 In The Nation In Production For The Month!

$500 BONUS For Placing 6-10 In The Nation In Production For The Month!

Settlers and 5Star are not gone....But I expect a lot of unethical agents will be preaching that.. The companies may not be accepting new business but they are honoring all of the policies just as before.. Their assets are just as strong as before. The money will be there at claim time. And, even if the companies had folded, you still have the state guaranty funds to cover the claims. IF LA decides to quit the business, there is nothing that requires them to honor the promise made.. And, there certainly no guaranty fund to back them up. Why, do you think LA was set up separate from SL? So, that SL will have no obligation to LA customers is the best reason I can think of.

 

[theinsuranceman]

Settlers and 5Star are not gone....But I expect a lot of unethical agents will be preaching that.. The companies may not be accepting new business but they are honoring all of the policies just as before.. Their assets are just as strong as before. The money will be there at claim time. And, even if the companies had folded, you still have the state guaranty funds to cover the claims. IF LA decides to quit the business, there is nothing that requires them to honor the promise made.. And, there certainly no guaranty fund to back them up. Why, do you think LA was set up separate from SL? So, that SL will have no obligation to LA customers is the best reason I can think of.

I'm sure the $$$ will be there at claim time, the state guarantee assoc. covers that.
But if a FE carrier stops accepting new business then they are out of the business...they;re not trying to grow....they've got problems developing. Why else would they stop accepting new business?

 

[rousemark]

Newby you are right about everything....lol.

How about when you were pushing 5 Star couple years ago? You were pushing them very heavily as the new best FE carrier to enter the arena. They were great you said. You were just spewing recruiter talk, maybe they gave you a bigger contract? You say pretty much whatever you can think of up here to recruit agents. Even your star JD called you out on this....lol. Now where's 5 Star? GONE! What's your comments on this?

How about Settlers? You've been touting how good of a FE carrier they were after 5 Star ran away! So....what's happened to Settlers now? GONE! They are also exiting the FE arena.

Why should anyone believe that you actually know what you are talking about when it comes to FE? Your FE track record is lacking.

It's obvious to anyone who has been around the block a few times that you were really just spewing recruiter talk! Both of the 2 carriers you were telling your recruits how good they were have gotten out of the FE business.

So Newby, your predictions about who is going to do what in the FE arena is sorely lacking. Doesn't matter if you're stating lies about Legacy or another FE carrier.

You try to come across as a FE expert. But you don't focus on FE, you do Med Supp, annuities and other products. True FE experts sell ONLY FE, no other products, and they have several continuous years doing it with no break.

You even had to get a FE expert named Travis to cover your lack of true FE experience...lol.

On a side note have you sold any FE lately? Do you ever say anything good about anyone or anything other than what you are pushing?

As far as Legacy, why would they ever want to go out of business? Why would any business set up shop just to deliberately go out of business in the future? Don't you see how silly your thoughts about legacy are? Your thoughts are so wrong....just like they were with 5 Star and with Settlers?

You don't know how to close FE deals. That's why you are so focused on who has the cheapest premium, right? If any of your FE agents are struggling and need a real opportunity let them come join my team for 60 days. Then they can come up here and report what they experienced.

HERE'S SOME OF WHAT I CAN OFFER YOUR AGENTS...ALL THEY HAVE TO DO IS CALL ME!

$1000 BONUS For Placing In The TOP 5 In The Nation In Production For The Month!

$500 BONUS For Placing 6-10 In The Nation In Production For The Month!



FINAL EXPENSE LIFE INSURANCE AGENTS WORK 20 FRESH EXCLUSIVE TV AND DIRECT MAIL LEADS EACH WEEK! ALL LEADS ARE GENERATED BY THE INSURANCE CARRIER, NOT THE AGENCY!

__________________________________________________

YOU WILL AVERAGE $1100-$2100 PROFIT EACH WEEK WORKING 20 LEADS!

_20 FRESH EXCLUSIVE LEADS EACH WEEK GENERATED BY THE CARRIER, NOT THE AGENCY! THEY'RE USUALLY CLUSTERED IN THE SAME ZIP CODE!


AND……


TV LEADS CAN BE SENT TO YOUR SMART PHONE WHEN SOMEONE CALLS OUR TV COMMERCIAL! THAT'S A LEAD THAT'S LESS THAN 60 SECONDS OLD! NO OTHER CARRIER IN THE COUNTRY CAN PROVIDE THIS OPPORTUNITY TO THEIR AGENTS!


· _OUR AGENTS START AT SOME OF THE HIGHEST COMMISSION LEVELS WITH THE OPPORTUNITY TO PROMOTE THEMSELVES TO EVEN HIGHER LEVELS BASED ON PRODUCTION!


· _MANAGERS WITH SALES TEAMS COMMAND EVEN HIGHER COMMISSION LEVELS!


· _LEAD FINANCING AVAILABLE!


· _NO MIB'S and NO DR. RECORDS ON WHOLE LIFE FACE AMOUNTS OF $20,000 AND LESS!


· _GET PAID THE SAME DAY THE CARRIER RECEIVES THE APPLICATION AND CHECK!


· _CHARGE-BACKS NEVER DEDUCTED FROM YOUR ADVANCED COMMISSIONS! YOUR PAY EACH WEEK IS BASED SOLELY ON PRODUCTION ISSUED! HELPS AN AGENT STAY ON BOARD AND MAKE A CAREER WITH US!


· _COMPLETE 3 DAY FIELD TRAINING TO START YOU OFF! A "TOP GUN" MANAGER CAN RIDE WITH YOU EVERY 2 WEEKS THEREAFTER TO KEEP YOU SUCCESSFUL!


· _SIMPLE ONE PAGE APPLICATION!


· _TALK DIRECTLY WITH UNDERWRITERS!


· WE HAVE A ZERO HEALTH QUESTION "GUARANTEE ISSUE" APPLICATION FOR AGES 0-85! ALL HEALTH CONDITIONS ACCEPTED…HIV/AIDS, CANCER, HEART, NURSING HOME, EVERYTHING ACCEPTED!


· _HEALTH INSURANCE FOR YOU AND YOUR FAMILY!


· _RENEWALS ARE PAID FOR THE LIFE OF THE POLICY! (MOST OTHER COMPANIES STOP PAYING RENEWALS AT THE END OF 10 YEARS, WE PAY BEYOND 10 YEARS)! CREATE YOURSELF A HEALTHY BASE OF RENEWALS FOR YOUR RETIREMENT!


· _NO REDUCTION IN COMMISSIONS FOR AGES 81-85! (MOST OTHER COMPANIES CUT YOUR COMMISSIONS FOR AGES 81-85)!


· _NO REDUCTION IN COMMISSIONS FOR SAVINGS DRAFTS!


· _FIELD SALES (FACE TO FACE) OR TELE-SALES (NO TRAVELING, EVERYTHING HANDLED OVER THE PHONE….INCLUDING VOICE SIGNATURE)!


· _WE CAN WRITE AGES 0-85!


· _INSULIN DEPENDENT MINORS GET IMMEDIATE COVERAGE!


· _MANAGEMENT OPPORTUNITIES AVAILABLE!


· _WE HAVE PARTNERED WITH WWW.LEGACY-ASSURANCE.COM SO OUR CUSTOMERS CAN GET THEIR, CASKET, VAULT, MONUMENT, OR URN FOR ABOUT HALF THE PRICE THAT FUNERAL HOMES CHARGE! DRAMATIC IMPROVEMENT ON CLOSING % AND PERSISTENCY! SOME PEOPLE WHO ALREADY HAVE PLENTY OF INSURANCE WILL STILL TAKE OUT A SMALL POLICY WITH US JUST SO THEY CAN GET THESE SAVINGS!


HERE'S WHAT WE REQUIRE….

_A STANDARD IPAD. THE PRESENTATION WILL BE ON YOUR IPAD SO YOU CAN GIVE THE EXACT SAME WORLD CLASS PRESENTATION TO EACH AND EVERY PROSPECT!

_TREMENDOUS WORK ETHIC!

_MUST BE COACHABLE!

_POSITIVE ATTITUDE ALL THE TIME!

_A BURNING DESIRE TO SUCCEED!

_MUST HAVE LIFE INSURANCE LICENSE OR WILLING TO GET ONE ($49 THRU US)


NOTHING HAPPENS IN OUR BUSINESS UNTIL SOMEONE SELLS SOMETHING. THE INDIVIDUAL AGENT IS MUCH MORE IMPORTANT THAN ALL THE SUPPORT PERSONNEL AT THE HOME OFFICE! THE AGENT IS THE ONE TO BE ADMIRED AND THE ONE TO BE APPLAUDED! WITHOUT THE AGENT NONE OF THE REST OF US WOULD BE NECESSARY! AGENTS ARE THE HEART AND SOUL OF OUR COMPANY!



FOR DETAILS:

CONTACT GREG @ 252-292-3350 TODAY!


I'VE BEEN WITH THIS COMPANY SINCE 1999! THIS IS THE BEST FINAL EXPENSE OPPORTUNITY IN AMERICA! OTHERWISE, I'D BE WITH A DIFFERENT COMPANY! SO CALL ME!


$1000 BONUS For Placing In The TOP 5 In The Nation In Production For The Month!

$500 BONUS For Placing 6-10 In The Nation In Production For The Month!

Greg..You have many positive points within your list.. Why not let them stand for themselves and not continue with a point that has been proven not to be true. You have seen proof that based on current costs that $3500.00 is not where near the cost of the average funeral charges for casket, vault and marker.. Will it be in 10 years? Maybe.. 20 years? What difference does that make, you have already said most of your clients will not be around that long.. But the fact is, it is not true today.

 

[rousemark]

I'm sure the $$$ will be there at claim time, the state guarantee assoc. covers that.
But if a FE carrier stops accepting new business then they are out of the business...they;re not trying to grow....they've got problems developing. Why else would they stop accepting new business?

Because they feel going in another direction is more profitable..Why did Met, which was built on the life insurance business decide to quit selling life insurance to focus on other markets? Why, does an agent that is being successful in Med Supp switch to FE? There can eb any number of reasons.. NGLs reason may or may not have been to increase the bottom line cash flow.. It cost money to acquire new business.... New business has a negative affect on the profit margin for the first few years it is in effect.

 

[theinsuranceman]

Greg.. I have no problem with you doing whatever you want to do and recruiting others to do the same. You have never heard me attack you call you a liar, etc. However, you are confronted with what others consider might be a shortcoming you start with all this "supposing" which does nothing to bolster your position. In act, it creates more doubt in some people's mind. Do they buy the caskets when the policy is bought or not? Do they have these huge warehouses full of caskets or not? You state you "believe" they do but not that you "know" that they do. If you don't know, as an agent you should be able to find out with a simple phone call... The answer to these question does not require a long explanation.. Just a simple informed "yes" or "no" should suffice.

_I confirmed today that LA does store their caskets in climate controlled facilities.

_They do have caskets in storage ready to be shipped out at a moments notice so the deceased can have their funeral without delays.

_They have caskets already in storage before policies are bought.

Satisfied Louis?

 

[theinsuranceman]

I'm gonna educatedly guess that they don't, in agreement with @Newby . They're essentially resellers, same as a funeral home. You can buy merchandise in a preneed plan at current prices, but the inflation hedge Scott mentioned protects them from future losses when the funeral home actually purchases the product from the manufacturer at time of need. The funeral home doesn't buy the casket and keep it in a warehouse.

But since the LA quoted prices are apparently high for today's market, maybe the extra they're charging plus investment earnings provide an inflation hedge for them.

I'm obviously speculating on that point. I can't ask the powers that be about it, but Greg can!

See bold: Funeral homes don't have nearly the cash that life insurance companies have. Heck insurance companies have more cash than banks. That's why SL can do so much more with buying and storage of caskets than a funeral home can.

 

[theinsuranceman]

Because they feel going in another direction is more profitable..Why did Met, which was built on the life insurance business decide to quit selling life insurance to focus on other markets? Why, does an agent that is being successful in Med Supp switch to FE? There can eb any number of reasons.. NGLs reason may or may not have been to increase the bottom line cash flow.. It cost money to acquire new business.... New business has a negative affect on the profit margin for the first few years it is in effect.

Weak argument Rouse. If Met decides that going in another direction is more profitable, why aren't the other carriers following them?