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Jack and I disagree on plenty. We just do it in a respectful & professional manner.
LifeSecure Group LTC
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Jack and I disagree on plenty. We just do it in a respectful & professional manner.
the reason most of us think that ltcfp (acsia) is/was bad is because of the agents that we've come in contact with.
i had one of their top producers try to tell one of my clients that mass mutual doesn't sell ltc insurance. this guy's been selling LTCi for over 15 years. Of course he knows that mass mutual sells ltci. but he can't offer it so he has to lie about it.
another one told one of my clients that the benefit builder with john hancock would grow the daily benefit each year by the same percentage that john hancock earned on their general account investments each year.
i can't tell you how many times they say that lifesecure has the same financial ratings as bc/bs of michigan. that's a total lie.
the beauty of the internet is that it is easy to prove when someone is lying. And since it's so easy to find out if someone is lying then hopefully liars will realize what we've all know for years: telling the truth is not only right, it's also the best way to succeed in life.
i had one of their top producers try to tell one of my clients that mass mutual doesn't sell ltc insurance. this guy's been selling LTCi for over 15 years. Of course he knows that mass mutual sells ltci. but he can't offer it so he has to lie about it.
another one told one of my clients that the benefit builder with john hancock would grow the daily benefit each year by the same percentage that john hancock earned on their general account investments each year.
i can't tell you how many times they say that lifesecure has the same financial ratings as bc/bs of michigan. that's a total lie.
the beauty of the internet is that it is easy to prove when someone is lying. And since it's so easy to find out if someone is lying then hopefully liars will realize what we've all know for years: telling the truth is not only right, it's also the best way to succeed in life.
I had an LTCFP agent tell a consumer that Northwestern, Mass, and NYL are not "leading" ltc insurance companies which is why LTCFP does not offer them.
there are only 2 logical conclusions:
1) that person who said that is ignorant.
or
2) that person is lying.
Since I choose to believe the best about people, that means that agent is ignorant.
Maybe they just repeated what management told them?
then management is either lying or ignorant.
but if management is lying or ignorant, there's still no excuse for the agent to blindly believe everything that management says.
Who knows.
A consumer asked me to comment on an email from a northwestern agent this week.
A northwestern mutual agent wrote 4 paragraghs to a consumer how the northwestern mutual policy was better than the mutual of omaha policy and the mass mutual policy because Northwestern removes 7 days from the waiting period should one day of care be received in a calendar week. And because Northwestern waives premiums immediately when a claim is approved. Just lies and idiocy.
So, I had to point out to the consumer that Omaha ironically has a calendar day ep which is actually better not worse than an enhanced service day ep; and MM will sell the same enhanced ep feature for peanuts.......and while immediate premium waiver is nice.... to spend $30000 more premium over 20 years to save $900 at claim time is just dummy captive agent math. SMH.
This is what we have to deal with in our insurance industry, unfortunately.
Agencies will throttle the rate down depending on who pays for the leads. Even your much hated LTCFP pays more.
And why not? Using Jack's GA is perfect. They do *nothing* for him, he takes 50% shave and does not complain. If anyone's the ultimate parasite - that's his GA.
You don't even know what you are talking about. Drivel.
I feel much anger in you - and that's what is driving your irrational opinions. If you had some bad blood with some unscrupulous agency - I assure you not all of them are the same.
Again, you have no idea. None. You've never run an agency, you've never had to deal with these issues.
I am just amazed... Which planet are you from again? You've never worked with live breathing people either?
Some people tend to defy imagination.
You assume the worst intentions, and, frankly, don't think you can hack the math either.
The reason people get 30% and get nothing? They take the leads they've been given to work, waste them and then turn around and leave. You're one of them? Good, stay away.
6 new leads today Betty since you are keeping count
So you take under assumption that the company endorses a few wayward agents' ways? That they've been taught to lie in order to sell?
Out of sheer indulgence, I called 2 different ex-ltcfp people and asked straight. Both laughed at me.
You got to understand that in a large-ish organization you get all sort of people - normal, crazies and everything in-between, whether you have your hiring filters tuned or not. If you don't get that, you've never worked with other salespeople.
If you've so high on ethics, you'd report these bad apples to ltcfp management. Did you do that? No. You're therefore complicit as they hit up the next client.
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I asked very simple question which I have never got an answer to (you, gender chauvinist you) - can you support 1600 leads/month with absolutely no lead cost.
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I also would not mind finding out what your conversion is on these leads. Don't remember you posting that either.
