Lincoln Heritage

[TwiLight]

Dignity Planning is not the same thing because it's one brand of funeral homes and not everyone wants to use that brand. It's a pretty expensive brand too.

I would like to clarify further Newby..... Dignity Planning is as you say a national branding effort. Funeral Homes join the Brand, Similar to Franchises but more like an affiliation.....

They have a large partnership throughout the USA, but is practically 1 in 4 funeral homes in TX where they started.

As for pricing, it is not dictated by DP it is the actual pricing in each region of the country and is part of the Plan.

As for affiliation, if you go through an insurance company like AmAm or SNL you usually use their product. Or you can use an IMO like ours and you can use any company. Our affiliation is like the others and an agent receives an agent number to give to prospects to use when planning. The agent number (is a must) in order to receive online leads when people sign up on the website, to protect your business.

On a personal note, my Mother just passed and we did all the planning using Dignity Planning 4 years ago.....It could not have been done any better. When she passed in Hospice, all the Hospice needed to know was the funeral home name before admittance. I gave them the funeral home name and when she passed they were notified, the got a copy of the plan from Dignity Planning and took care of all the arrangements she wanted. Only thing I had to do was fill out the paperwork for the death certificate and file the death claim with the insurance company.

Believe me, we walk and talk Final Expense all day. When you see what you do in actual action.....WOW. You get the point.

BTW, my closing ratio has been 80%+ on personal production since I got back in the field since my Mother's passing (not saying this will continue). Mostly because of the passion and determination of the personal loss I went through. A personal Story such as mine is always a powerful closing technique and can carry you for many successful months in the field.

 

[Newby]

I would like to clarify further Newby..... Dignity Planning is as you say a national branding effort. Funeral Homes join the Brand, Similar to Franchises but more like an affiliation.....

They have a large partnership throughout the USA, but is practically 1 in 4 funeral homes in TX where they started.

As for pricing, it is not dictated by DP it is the actual pricing in each region of the country and is part of the Plan.

As for affiliation, if you go through an insurance company like AmAm or SNL you usually use their product. Or you can use an IMO like ours and you can use any company. Our affiliation is like the others and an agent receives an agent number to give to prospects to use when planning. The agent number (is a must) in order to receive online leads when people sign up on the website, to protect your business.

On a personal note, my Mother just passed and we did all the planning using Dignity Planning 4 years ago.....It could not have been done any better. When she passed in Hospice, all the Hospice needed to know was the funeral home name before admittance. I gave them the funeral home name and when she passed they were notified, the got a copy of the plan from Dignity Planning and took care of all the arrangements she wanted. Only thing I had to do was fill out the paperwork for the death certificate and file the death claim with the insurance company.

Believe me, we walk and talk Final Expense all day. When you see what you do in actual action.....WOW. You get the point.

BTW, my closing ratio has been 80%+ on personal production since I got back in the field since my Mother's passing (not saying this will continue). Mostly because of the passion and determination of the personal loss I went through. A personal Story such as mine is always a powerful closing technique and can carry you for many successful months in the field.

I'm sure DIgnity Planning can be useful but it's not going to appeal to the real price sensitive people. As much as they want you to believe that a lot of funeral homes "join" the plan, it's pretty much funeral homes that SCI owns. The other funeral homes see them as competition.

I'm impressed with the quality sales materials that Dignity and Legacy SafeGuard offer. If an agent uses things like that it can be good for him. I don't think most agents need them once they are experienced though.

 

[rousemark]

Dignity Planning is not the same thing because it's one brand of funeral homes and not everyone wants to use that brand. It's a pretty expensive brand too.

Legacy SafeGuard would be more like CFGS.

But you can do it yourself just as easy. Tell them to call you when the death occurs if they need assistance. You can price shop local funeral homes easier than some uninterested guy in New Albany, IN.

Or tell them to join a real Funeral Society. There are plenty of them that don't sell insurance.

You do not have to use a Dignity Memorial Funeral Home to make use of Dignity Planning. When you complete your information and are asked to choose your provider you simply choose "other" and continue.

I completed mine and did not choose a Dignity Memorial location. I did put in my SNL agent number and since it was not done along with an SNL app, I immediately received an email telling me a prospect had completed the planning process.

 

[Toranaga]

So I printed out an FCGS enrollment form and went back. I asked her to let me in so I could share with her what I had learned. I recapped her current coverage with LH and the FCGS. I showed her that she could have the same coverage plus the FCGS plus the fraternal benefits for less. I also showed her that she could keep her current pmt and have all that plus another $1300 in coverage. I asked her which o e she would recommend to a friend. She chose the RNA plan. I asked her for the order. She said she did t want the hassle. I assured her I would have everything taken care of in 15 minutes. She refused. Good grief. At least I can sleep at night knowing I didn't leave her uneducated.

 

[rousemark]

So I printed out an FCGS enrollment form and went back. I asked her to let me in so I could share with her what I had learned. I recapped her current coverage with LH and the FCGS. I showed her that she could have the same coverage plus the FCGS plus the fraternal benefits for less. I also showed her that she could keep her current pmt and have all that plus another $1300 in coverage. I asked her which o e she would recommend to a friend. She chose the RNA plan. I asked her for the order. She said she did t want the hassle. I assured her I would have everything taken care of in 15 minutes. She refused. Good grief. At least I can sleep at night knowing I didn't leave her uneducated.

I am willing to bet the LH agent made her "replacement proof" by telling her to be aware of agents that would come in after him trying to replace her polciy. "They really aren't intersted in helping you. All they want to do is line thier own pockets because nobody can match what we provide for you. They may be a little cheaper but you get what you pay for. They will sell you a cheap policy and it will take months for your family to collect the money. We are the only company that will have a check in their hands withing 24 - 48 hours. etc, etc, "

 

[slushpuppyking]

LH: 1
Toranaga: 0

Sorry man, not your fault though really. Maybe a more seasoned guy could have swayed her but those LH guys are trained to lay on the fear pretty thick and it just is what it is.

 

[HoosierLife]

LH: 1
Toranaga: 0

Sorry man, not your fault though really. Maybe a more seasoned guy could have swayed her but those LH guys are trained to lay on the fear pretty thick and it just is what it is.

Don't feel bad I couldn't convert a lady that I could have saved $25/mo and gotten her back $1100 in CV.

Though that was a little while back before I had a planned presentation.

 

[TDFnCali]

So I printed out an FCGS enrollment form and went back. I asked her to let me in so I could share with her what I had learned. I recapped her current coverage with LH and the FCGS. I showed her that she could have the same coverage plus the FCGS plus the fraternal benefits for less. I also showed her that she could keep her current pmt and have all that plus another $1300 in coverage. I asked her which o e she would recommend to a friend. She chose the RNA plan. I asked her for the order. She said she did t want the hassle. I assured her I would have everything taken care of in 15 minutes. She refused. Good grief. At least I can sleep at night knowing I didn't leave her uneducated.

It all goes back to 4 words...

You cant fix, stupid!

I had a case today for $192/mo for a RNA 25k policy, he told me all the things he disliked about his previous policy & the 1 he has pending. I covered them ALL, exactly what he said he would want & or would want to do differently this time... I tried to close him 5-6 times, I usually only try 3 times. But in the end he needed to "think about it", even tho he knows & acknowledges the fact that if he gets a decline from current pending policy he may not get anything.

I may still get it, but doubt it... He wasn't going to say anything but "I need to think about" no matter what I said, even tho he couldn't think of 1 reason not to get it now, not 1!

That, or I'm just a lousy f*kkin agent, lol.

TDF
Sent from my Sprint Galaxy S4 using Insurance Forums

 

[Toranaga]

Ha! I doubt you're a lousy agent. That's been my story three times in the last week. I getting pissed.

 

[Rearden]

You...

Can't...

Fix...

Stoopid.

With that said, I find it the absolute toughest to get in the door on a deal that just closed within the last month.

There's a sense of resoluteness with some people that's difficult to overcome.

However... after a policy has been in effect 6 months or longer... the honeymoon period has drawn off and there's a chance for more opportunity.