Lincoln Heritage Have You Heard ?

[Newby]

LH's raiting has been effected by the recent funding of their largest agency to "branch off".

Rumor has it that they recently financed a $16mil deal that would make their largest agency its own company. The agency will now do its own underwriting and control its own rates.

Im not sure what the incentive is for lincoln to compete with its largest agency. But they worked out a similar deal when senior life formed its own company years ago.

Wouldn't that agency be the Powells and Senior Life?

They also sold their entire Preneed division to NGL in 2011.

I would think that LH is financially sound which is what AM Best is rating on. You can't have the highest premiums and the lowest commissions in the industry plus roll up all the failed agent's commissions to upper management PLUS contest the H#LL out of every death claim in first 24 months with out making piles and piles of cash.

 

[RichMcK]

Originally Posted by Mattschmidt

Question about LH final expense product...One of my clients parents took out a policy..The monthly premiums are considerably higher, but they added some type of rider/program for identity theft, and possibly AAA....Is this possible, or is my client mistaken? Just curious, and thanks in advance
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Yes, they've been doing the identity theft for a while, costs about 10 bucks a month. IT is sold by phone, after the policy is issued. The agent has no say in this.
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[TPAAgent]

Replaced another couples LH policies they had for 4 months here in Tampa

It's like a lay down

I love that sh*t

Nice pop today.. pushed me over 3200 AP for the week

Any LH agents in the Tampa area? contact me..I'll give you good money for some names... You aint making sh*t anyway with them.. here's a chance to get some extra cash in your pocket that you deserve..

Nobody we'll ever know...

Now,...... would your manager do this for you?

Of course not... let's talk over a few beers.. it's on me

 

[Norwayguy]

Replaced another couples LH policies they had for 4 months here in Tampa

It's like a lay down

I love that sh*t

Nice pop today.. pushed me over 3200 AP for the week

Any LH agents in the Tampa area? contact me..I'll give you good money for some names... You aint making sh*t anyway with them.. here's a chance to get some extra cash in your pocket that you deserve..

Nobody we'll ever know...

Now,...... would your manager do this for you?

Of course not... let's talk over a few beers.. it's on me

You need to get an in with someone who processes the apps and can kick back the names to you...Why would an agent create a chargeback and not get a commission on the replacement.

 

[gordon112]

Replaced another couples LH policies they had for 4 months here in Tampa

It's like a lay down

I love that sh*t

Nice pop today.. pushed me over 3200 AP for the week

Any LH agents in the Tampa area? contact me..I'll give you good money for some names... You aint making sh*t anyway with them.. here's a chance to get some extra cash in your pocket that you deserve..

Nobody we'll ever know...

Now,...... would your manager do this for you?

Of course not... let's talk over a few beers.. it's on me

Cool, I am in the Tampa area and getting back into the frey, glad there is some LH agents around. How about those new super duper agents from SL?...have you ran into any of those??

 

[Josh]

Wouldn't that agency be the Powells and Senior Life?

They also sold their entire Preneed division to NGL in 2011.
I
I would think that LH is financially sound which is what AM Best is rating on. You can't have the highest premiums and the lowest commissions in the industry plus roll up all the failed agent's commissions to upper management PLUS contest the H#LL out of every death claim in first 24 months with out making piles and piles of cash.

Well said.
. .

 

[Mattschmidt]

Cool, I am in the Tampa area and getting back into the frey, glad there is some LH agents around. How about those new super duper agents from SL?...have you ran into any of those??

Just replaced my third senior life policy on Wednesday. She had the policy for 3 years and by being independent was ale to still save her money on monthly premium. Ant believe how high some carriers premiums are

 

[tins]

Just replaced my third senior life policy on Wednesday. She had the policy for 3 years and by being independent was ale to still save her money on monthly premium. Ant believe how high some carriers premiums are

On Wednesday, I replaced a LH policy on a guy that just took it out 4 months ago. It was a 2-year graded with $4150 death benefit.
I switched him over to immeadiate coverage with $9600 death benefit for 63 cents LESS a month.

Some of these companies should be embarrassed. And then, after they get over that embarrassment, they should do a lot more marketing and selling in Missouri!

 

[TPAAgent]

On Wednesday, I replaced a LH policy on a guy that just took it out 4 months ago. It was a 2-year graded with $4150 death benefit.
I switched him over to immeadiate coverage with $9600 death benefit for 63 cents LESS a month.

Some of these companies should be embarrassed. And then, after they get over that embarrassment, they should do a lot more marketing and selling in Missouri!

Score..................
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Cool, I am in the Tampa area and getting back into the frey, glad there is some LH agents around. How about those new super duper agents from SL?...have you ran into any of those??

You tried Polk county yet?

Lots of nuggets if you're willing to make the drive

 

[GAJ638]

After reading this thread I am wishing there were some LH agents in my part of NC. I could use the activity! I have not run into but two I think over the last couple of years. I