Lincoln Heritage

[TDFnCali]

I don't work NEARLY this hard... If I did, I would increase my business by 25%... Maybe more! What works for me is to get in the house, find the need, convince them that I have a better option than what they have, and then I leave... NEXT!!!! I won't even leave most people a business card, unless I can close them. Yes, lots of leads is necessary for me...

Low hanging fruit guy ^^^^!! Nothing wrong with that man....if u make 10k/mo on 100 leads & another does it on 75, u still make 10k/mo (after cost) right?. I work my leads hard, probably too much, thats why Ive been reluctant to consistently get more, thus probably why I havent reached my goal...which is dumb on my part, but hard to break habit of working them til death. I somehow think I can get there on 50-60/mo, when I really need 60-75 EVERY MONTH!!

Im stubborn!

 

[smokin goose]

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

I run into those business owner "I need to think about it" people. I feel your pain. I've started demanding a yes, no or hard date on a follow up appointment.

It's like, grow a set and make a decision. Jeez!

 

[GMDM100k]

She is talking about the FCGS. It does not do anything like what she said. But I'm sure she was told that garbage by the agent.

It's actually illegal if sold as funeral preplan so you might want to take it up with Tn DOI.

They will hep negotiate the costs once the policy is out of contestability, {another nugget they leave out}, but that's really a non issue since every funeral home in the country can assign a non contestable policy and get paid immediately.

She was conned by the agent.

But, let's just say the FCGS is a great deal for her. Dhe can buy it direct from the FCGS of $6/mo. Having the RNA policy and paying the FCGS would still save her $11/mo over what she has now.

She was not conned by the agent.

The FCGS will still help price shop even if the policy is contestable. The FCGS will take down all the information the funeral home needs to take care if the arrangements.

She was not lied to. When she passes the agent along with the FCGS will help take care of her funeral arrangements.

It is ridiculous that there are so many comments from people that don't use the FCGS or work with LH.

The policy holder was not stupid because she kept this policy. Obviously she could tell that her current agent and company will take care of her. She doesn't mind paying an extra $11 a month for it.

Everyone should really be careful giving out incorrect information about an organization.

The FCGS does exactly what this policy holder said they did.

I sign up over 2000 people a year for the FCGS benefits. I have a hundred funerals a year that they help me with. Every time they make the funeral process easier for my clients and save them money on their arrangements. Regardless of if the policy is contestable or not.

I will have to ask those of you that are commenting on how the FCGS works...

How many people have you signed up with the FCGS? How many claims have you filed with them?

This thread reminds me of that agent mah that comments on how to sell FE when she has never sold a policy before.

 

[jdeasy]

She was not conned by the agent.

The FCGS will still help price shop even if the policy is contestable. The FCGS will take down all the information the funeral home needs to take care if the arrangements.

She was not lied to. When she passes the agent along with the FCGS will help take care of her funeral arrangements.

It is ridiculous that there are so many comments from people that don't use the FCGS or work with LH.

The policy holder was not stupid because she kept this policy. Obviously she could tell that her current agent and company will take care of her. She doesn't mind paying an extra $11 a month for it.

Everyone should really be careful giving out incorrect information about an organization.

The FCGS does exactly what this policy holder said they did.

I sign up over 2000 people a year for the FCGS benefits. I have a hundred funerals a year that they help me with. Every time they make the funeral process easier for my clients and save them money on their arrangements. Regardless of if the policy is contestable or not.

I will have to ask those of you that are commenting on how the FCGS works...

How many people have you signed up with the FCGS? How many claims have you filed with them?

This thread reminds me of that agent mah that comments on how to sell FE when she has never sold a policy before.

You are simply wrong or not telling the truth. I have woked with LH and I have signed people on the FCGS. I was also conned by LH and the president of the FCGS to beleive it was a good thing.

Once educated I found out differently.

And, check your math. The lady could have saved $17/mo for the same coverage.

Now, the president of the FCGS told me directly, and a room full of people, that they would not help on contestable claims. I know Newby had an LH client at on e of the funeral homes and they had the FCGS on a contestable claim and they would not do anything.

So, I can blieve what the head of the company said and real world experien ce or I can believe a recruiter. I think even you can have an idea as to which way I'm leaning.

And, the FCGS has no leverage to shop the funeral costs during thje contestable period even if they did try to help.

But, just for the sake of argument let's just say that the FCGS is everything you say it is and a wonderful product to own. The lady could have purchased it and not had to buy overpriced insurace to boot.

So, yes, she is stupid. She was conned and she was lied to. She was told it was a funeral preplan. Not only is that wrong, it's illegal.

She is going to get a booklet in the mail to fill out just as toanga told her. If you are calling that a funeral preplan then I believe the DOI might want to have a word with you.

 

[Newby]

She was not conned by the agent.

The FCGS will still help price shop even if the policy is contestable. The FCGS will take down all the information the funeral home needs to take care if the arrangements.

She was not lied to. When she passes the agent along with the FCGS will help take care of her funeral arrangements.

It is ridiculous that there are so many comments from people that don't use the FCGS or work with LH.

The policy holder was not stupid because she kept this policy. Obviously she could tell that her current agent and company will take care of her. She doesn't mind paying an extra $11 a month for it.

Everyone should really be careful giving out incorrect information about an organization.

The FCGS does exactly what this policy holder said they did.

I sign up over 2000 people a year for the FCGS benefits. I have a hundred funerals a year that they help me with. Every time they make the funeral process easier for my clients and save them money on their arrangements. Regardless of if the policy is contestable or not.

I will have to ask those of you that are commenting on how the FCGS works...

How many people have you signed up with the FCGS? How many claims have you filed with them?

This thread reminds me of that agent mah that comments on how to sell FE when she has never sold a policy before.

For an opposing opinion I guess we could just Joshua Slocum at 802-865-8300. He seems to think differently and heads the nation's largest Funeral Consumer Organization.

The trouble with the Lincoln Heritage one is that consumers are mislead into thinking they have to purchase something to get it. They think it's only available with the purchase of a Lincoln Heritage policy which makes it a sales gimmick in my opinion.

 

[jerry176]

It is not that hard to plan and arrange a funeral, the funneral home does a lot for you, atleast around here.

It cost nothing to make some phone calls.

it cost nothing to call to get flowers, the church, and other related misc. items.

Why would someone pay extra , and over pay on a life policy is beyond me.

 

[pcbinsurance]

"When she passes the agent along with the FCGS will help take care of her funeral arrangements."
*****************************
The agent helps with the funeral arrangements, eh? Just for fun, I wonder what percentage of agents who originally sold the LH policy are still the AOR when the policyholder passes away....???

 

[jdeasy]

"When she passes the agent along with the FCGS will help take care of her funeral arrangements."
*****************************
The agent helps with the funeral arrangements, eh? Just for fun, I wonder what percentage of agents who originally sold the LH policy are still the AOR when the policyholder passes away....???

Of course the agent getting 10% more convention credit when they enroll people into the FCGS has nothing to do with it either.
- - - - - - - - - - - - - - - - - -

"When she passes the agent along with the FCGS will help take care of her funeral arrangements."
*****************************
The agent helps with the funeral arrangements, eh? Just for fun, I wonder what percentage of agents who originally sold the LH policy are still the AOR when the policyholder passes away....???

Raises another question. Since LH gives them this membership for the FCGS for free, wouldn't she still have the FCGS membership if she drops her LH policy?

 

[pcbinsurance]

Things that make you go hmmmmm........

 

[GMDM100k]

You are simply wrong or not telling the truth. I have woked with LH and I have signed people on the FCGS. I was also conned by LH and the president of the FCGS to beleive it was a good thing.

Once educated I found out differently.

And, check your math. The lady could have saved $17/mo for the same coverage.

Now, the president of the FCGS told me directly, and a room full of people, that they would not help on contestable claims. I know Newby had an LH client at on e of the funeral homes and they had the FCGS on a contestable claim and they would not do anything.

So, I can blieve what the head of the company said and real world experien ce or I can believe a recruiter. I think even you can have an idea as to which way I'm leaning.

And, the FCGS has no leverage to shop the funeral costs during thje contestable period even if they did try to help.

But, just for the sake of argument let's just say that the FCGS is everything you say it is and a wonderful product to own. The lady could have purchased it and not had to buy overpriced insurace to boot.

So, yes, she is stupid. She was conned and she was lied to. She was told it was a funeral preplan. Not only is that wrong, it's illegal.

She is going to get a booklet in the mail to fill out just as toanga told her. If you are calling that a funeral preplan then I believe the DOI might want to have a word with you.

Where did the poster ever say it was a preneed. All she said is they would take care of the arrangements for her funeral. Which they will. How did the agent lie?

Obviously you were not paying attention at the FCGS meeting. They will NOT take an assignment on a policy that is contestable. That's it!! They will still help with the arrangements. They will still price shop. I hear it every quarter when he comes down to my office and has a meeting with my agents. I also see it work with every claim I have filed with them.

They don't have any special leverage when helping with a funeral. But they still get on the phone and will help the beneficiary make funeral arrangements for the deceased. They will never do absolutely nothing unless the beneficiary doesn't want them too or if they are never contacted in the first place.

You don't have to take my word. You can rely on your experience with the FCGS. How many people did you sign up with the FCGS used their services? 0 ?? What experience have you had besides misinterpreting the only FCGS meeting that you went to.

I have had many many people helped by them. My personal clients and my agents clients.

Being an agency owner should give me for credibility because every claim from my agency comes across my desk. I have had more dealings with the FCGS than any single agent could ever have. It gives me a wider range to base my experience off of. I don't base my opinion on what happened to one client out of the thousands that are enrolled.

Maybe you should make a call to Joe Kraft and ask him what exactly they can do. Record it then post it. I bet you would be pleasantly surprised.