- 3,165
So jacob (jacobtn) did what he said he would & got me an appt. with the lady who held an LH policy that wouldnt let me in her home previously. Got there & had to explain that I WASN'T with LH or her agent Mike for a few minutes to get over that hurdle....then she calls her son (who was there when she signed up with LH) and he says on the phone, just stick to what u got already. Luckily, her daughter was there too & she liked the fact her mom could get more for the same price & at least wanted to hear me out.
So after some more warm up...I explained she could get $4500 with RNA for $2 more then shes paying for $2654 with LH. Then after going thru some health questions, I told her she should be fine & told her the "perks" of RNA with her daughter liking it more & more. Well, Lo & Behold, my dumbass said this BEFORE asking for the meds...never done that before, but I did this time. Turns out shes on Furosemide for HB, so thats a NO. Smooth things over & went to Foresters & she was on something starting with a C that only allowed Foresters to go Graded...which wasnt cheaper then what she had. And since she had cancer removed 3yrs ago, Americo & Monu were out....so I went to JD's FAVORITE carrier UHL (which to this point I hadnt used).
No just before I looked at UHL, I wanted to know if LH gave her 1st day coverage, turns out they didnt & she was never told that. SO I told her UHL ROP interest rate is higher, she would get a 5% increase in FV every 5yrs, she has double coverage for a death on public transportation & she could get $3000 for the same amt of prem. So said lets do it, cause it was slightly better AND Mike (LH agent) never told her that her policy was ROP- she wasnt happy.
So finally filled out app, noticed that with UHL she actually qualified for 1st day coverage (deluxe plan, not premium- shes on insulin, 77 & has 4-5 HB meds), so then she was REALLY thrilled her coverage started immediately for $3000 instead of $2654 ROP. Did all that, passed PHI-hopefully its approved Deluxe, but she will take even if its kicked back down to ROP.
So that was awesome, just looooonngggg! But as Im wrapping it up, I start talking with daughter more, 57, shes been putting it off, told her about RNA benefits she could share with her mom...and BAM SIWL for her for $25k!! Appt only took just about 4hrs, lol!!
Obviously if everything sticks (and RNA is done with PHI), it was a great day....all on a dude's leads from Jan/Feb who quit!
Shout out to Jacobtn.....$50 (already agreed upon if I made sale) + $25 bonus will be in the mail buddy, THANKS!!
So after some more warm up...I explained she could get $4500 with RNA for $2 more then shes paying for $2654 with LH. Then after going thru some health questions, I told her she should be fine & told her the "perks" of RNA with her daughter liking it more & more. Well, Lo & Behold, my dumbass said this BEFORE asking for the meds...never done that before, but I did this time. Turns out shes on Furosemide for HB, so thats a NO. Smooth things over & went to Foresters & she was on something starting with a C that only allowed Foresters to go Graded...which wasnt cheaper then what she had. And since she had cancer removed 3yrs ago, Americo & Monu were out....so I went to JD's FAVORITE carrier UHL (which to this point I hadnt used).
No just before I looked at UHL, I wanted to know if LH gave her 1st day coverage, turns out they didnt & she was never told that. SO I told her UHL ROP interest rate is higher, she would get a 5% increase in FV every 5yrs, she has double coverage for a death on public transportation & she could get $3000 for the same amt of prem. So said lets do it, cause it was slightly better AND Mike (LH agent) never told her that her policy was ROP- she wasnt happy.
So finally filled out app, noticed that with UHL she actually qualified for 1st day coverage (deluxe plan, not premium- shes on insulin, 77 & has 4-5 HB meds), so then she was REALLY thrilled her coverage started immediately for $3000 instead of $2654 ROP. Did all that, passed PHI-hopefully its approved Deluxe, but she will take even if its kicked back down to ROP.
So that was awesome, just looooonngggg! But as Im wrapping it up, I start talking with daughter more, 57, shes been putting it off, told her about RNA benefits she could share with her mom...and BAM SIWL for her for $25k!! Appt only took just about 4hrs, lol!!
Obviously if everything sticks (and RNA is done with PHI), it was a great day....all on a dude's leads from Jan/Feb who quit!
Shout out to Jacobtn.....$50 (already agreed upon if I made sale) + $25 bonus will be in the mail buddy, THANKS!!
