kind of a funny story working FE

[WinoBlues]

True, but I'm not even trying to imply people are doing that. All I'm saying is companies don't want a replacement artist. It could easily cause too many other headaches.

Agreed.

I replace when I think, justify, it is appropriate. I replace myself more than anything. I replaced two of mine last night and another yesterday.

Just saying people can and do put their own spin on it.

 

[Rirwin]

Agreed.

I replace when I think, justify, it is appropriate. I replace myself more than anything. I replaced two of mine last night and another yesterday.

Just saying people can and do put their own spin on it.

If you don't mind me asking, in what situations do you replace yourself?

 

[WinoBlues]

If you don't mind me asking, in what situations do you replace yourself?

First *

Last night were two 20 yr term policies that term out next year. The one yesterday is a dialed down GUL that the guy max loaned out last year. I have another I am waiting for the app back in the mail that I am replacing a small FE, oops SIWL, I wrote a few years ago with a Small GUL.

The two Term plans, Well, they are terming out. Both in their 60s
The GUL is blowing up and I can get him a new plan for close to the same premium. His is early 30s, his mom, my client also, is the owner.
The SIWL, she, 60s, has gotten her health issue resolved so that she can get a more appropriate policy. Note: She already has a GUL and a ROPTerm that will become a RdPdUp plan with me.

Also working on a partial Conversion of a 20 yr term I wrote 4 years ago. His term option ends at age 70. This month. so he uses it or loses it.

 

[NSRH]

First *

Last night were two 20 yr term policies that term out next year. The one yesterday is a dialed down GUL that the guy max loaned out last year. I have another I am waiting for the app back in the mail that I am replacing a small FE, oops SIWL, I wrote a few years ago with a Small GUL.

The two Term plans, Well, they are terming out. Both in their 60s
The GUL is blowing up and I can get him a new plan for close to the same premium. His is early 30s, his mom, my client also, is the owner.
The SIWL, she, 60s, has gotten her health issue resolved so that she can get a more appropriate policy. Note: She already has a GUL and a ROPTerm that will become a RdPdUp plan with me.

Also working on a partial Conversion of a 20 yr term I wrote 4 years ago. His term option ends at age 70. This month. so he uses it or loses it.

Wino, do you sell F2F or by phone?

 

[WinoBlues]

Wino, do you sell F2F or by phone?

Both, Last night was F2F. First F2F in a month or so. Had to SS&S, get dressed drive like 20 minutes, at 6PM.. Now I got to go back to quote the guy's mom a SIWL. Damn slippery slope I have created.

I do not buy leads so it is different than a guy reliant on strangers responding to a piece of junk mail. The people I write for the most part know me, of me or someone that knows me.

I am also very fortunate that I have agents that refer me or share leads with me. The 70 yr old with the term plan was a referral from an FE agent client of mine.

*

 

[rousemark]

Wino, do you sell F2F or by phone?

Depends on if he is sober enough to drive!

 

[NuUzr]

You wouldn't have answered because you will never leave your house and actually go sell insurance. You would rather browse a forum for no reason at all...

Considering you're spending valuable selling/ time youYou have a lot of time on your hands

You wouldn't have answered because you will never leave your house and actually go sell insurance. You would rather browse a forum for no reason at all...

Why are you wasting your time with me? For any who care about this rock thrower - do some research on this forum.. you'll find BBGun Bowman has been accused of being a LIAR and FRAUD by other top level producers from this forum..

Do your own research-- BBGUN Bowman shouldn't be so haughty, arrogant and full of hot air...

Leave me alone BBGun Bowman..

 

[WinoBlues]

Considering you're spending valuable selling/ time youYou have a lot of time on your hands


Why are you wasting your time with me? For any who care about this rock thrower - do some research on this forum.. you'll find BBGun Bowman has been accused of being a LIAR and FRAUD by other top level producers from this forum..

Do your own research-- BBGUN Bowman shouldn't be so haughty, arrogant and full of hot air...

Leave me alone BBGun Bowman..

Let me say this. I do not have any contracts with Ben or EFES. Many of those that were slamming Ben during the Hatfield and McCoys days, miss those days, do not now. A few of the worst were converted after a long weekend in the Boom Boom Room. As you are dredging up those old post look at how many new agents he offered to help.

As I said I have no contracts with him, 360 or EFES so no dog in this but a lot of these guys give a lot of their time to help people they will never meet much less profit from. There are several others. Some of these guys are friends some are not. That does not negate what they give out.

Do a Ben Franklin With Ben on one side and you on the other.

 

[Rirwin]

First *

Last night were two 20 yr term policies that term out next year. The one yesterday is a dialed down GUL that the guy max loaned out last year. I have another I am waiting for the app back in the mail that I am replacing a small FE, oops SIWL, I wrote a few years ago with a Small GUL.

The two Term plans, Well, they are terming out. Both in their 60s
The GUL is blowing up and I can get him a new plan for close to the same premium. His is early 30s, his mom, my client also, is the owner.
The SIWL, she, 60s, has gotten her health issue resolved so that she can get a more appropriate policy. Note: She already has a GUL and a ROPTerm that will become a RdPdUp plan with me.

Also working on a partial Conversion of a 20 yr term I wrote 4 years ago. His term option ends at age 70. This month. so he uses it or loses it.

Makes sense, thanks!