Lincoln Heritage

[CloseSomeDeals]

Some parts of Michigan lol.

Not New England LOL?

 

[HoosierLife]

Not New England LOL?

I don't know. Everyone I know selling out there are on set price leads.

 

[Mattschmidt]

Wow.. See this is why I am saving up money to do this. So if you are an agent that knows how to self-generate your own leads, though time consuming for you, it will take the risk out of it for the IMO, but could save you money one the leads if you can figure out how to do it cheaply.

Rule of thumb is to avoid the IMO's or recruiters who lurk on here and spend more time posting, then they do selling/training agents

 

[the_newguy90]

im with lincoln heritage. ive been here going on 3 months. they do more than anyother final expence out there because we have the funeral consumers guardian society and they do almost everything to talk to the funeral homes on the clients behalf. we save on average 1,800$ on traditional and 600 on cremation and we use any funeral home out there. we have ex funeral directors who call on the clients behalf so all the client has to do is show up sign papers. we plan everything at the time that we hand deliver all our policies. we work as an old fashioned company would work. we sit down and explain how it all works and i am always able to come to my clients that need any of my services even after the sell. im not bashing any others out there i just belife lincoln has the right idea for the final expence market. they are the largest final expense out there. they had to do somthing right. yes we do cost just a few dollars more but you get all the things i listed above and no one else is doining what we do or can do what we do. i get my clients uneral cost nywhere between 4 and 11 thousand and the average funeral is running 10 and 15 thousand so we save money on the cost and use our plannning to make itsimple. no plannning while you are greifing and the family does not have to talk to the funeral sales man. we get caskets for 995 for 18g steel and head stones with pictures and all kind of diff scenes and thoes are like 205$ we do so much for our clients we dont even consider our selfa insurance agents we are funeral planners that use insurance to pay for the funerals we talk 90% about the plannning and saving and only 10% abut the insurance. we are not like anyone out there. i know this is full of misspellings the thread would not let me correct after it was typed sorry but you get the gist please do not call me out for the typos i know they are there.

 

[suranceman]

im with lincoln heritage. ive been here going on 3 months. they do more than anyother final expence out there because we have the funeral consumers guardian society and they do almost everything to talk to the funeral homes on the clients behalf. we save on average 1,800$ on traditional and 600 on cremation and we use any funeral home out there. we have ex funeral directors who call on the clients behalf so all the client has to do is show up sign papers. we plan everything at the time that we hand deliver all our policies. we work as an old fashioned company would work. we sit down and explain how it all works and i am always able to come to my clients that need any of my services even after the sell. im not bashing any others out there i just belife lincoln has the right idea for the final expence market. they are the largest final expense out there. they had to do somthing right. yes we do cost just a few dollars more but you get all the things i listed above and no one else is doining what we do or can do what we do. i get my clients uneral cost nywhere between 4 and 11 thousand and the average funeral is running 10 and 15 thousand so we save money on the cost and use our plannning to make itsimple. no plannning while you are greifing and the family does not have to talk to the funeral sales man. we get caskets for 995 for 18g steel and head stones with pictures and all kind of diff scenes and thoes are like 205$ we do so much for our clients we dont even consider our selfa insurance agents we are funeral planners that use insurance to pay for the funerals we talk 90% about the plannning and saving and only 10% abut the insurance. we are not like anyone out there. i know this is full of misspellings the thread would not let me correct after it was typed sorry but you get the gist please do not call me out for the typos i know they are there.

First, LH is not "a few dollars" more. Even when comparing their level coverage to another carrier's level coverage, they are at least 20% more on the low end.

There are so many health issues that cause LH clients to go modified which is insanely expensive. Those same clients could get level coverage elsewhere with no waiting period and at much much lower premium.

Also, LH does not plan someone's funeral. That is patently false. The client must do that. All LH does is provide them a mechanism to document their final wishes. There's nothing wrong about LH doing that, but making the statement LH plans their funeral is stupid and a lie.

Also, LH saving them money does not negate the fact that those same clients could have gotten much more coverage with another carrier that would have greatly exceeded whatever savings LH could theoretically provide.

Sorry dog but your smoke and mirrors shit is just koolaid talking points. It doesn't stand up to scrutiny.

 

[rousemark]

im with lincoln heritage. ive been here going on 3 months. they do more than anyother final expence out there because we have the funeral consumers guardian society and they do almost everything to talk to the funeral homes on the clients behalf. we save on average 1,800$ on traditional and 600 on cremation and we use any funeral home out there. we have ex funeral directors who call on the clients behalf so all the client has to do is show up sign papers. we plan everything at the time that we hand deliver all our policies. we work as an old fashioned company would work. we sit down and explain how it all works and i am always able to come to my clients that need any of my services even after the sell. im not bashing any others out there i just belife lincoln has the right idea for the final expence market. they are the largest final expense out there. they had to do somthing right. yes we do cost just a few dollars more but you get all the things i listed above and no one else is doining what we do or can do what we do. i get my clients uneral cost nywhere between 4 and 11 thousand and the average funeral is running 10 and 15 thousand so we save money on the cost and use our plannning to make itsimple. no plannning while you are greifing and the family does not have to talk to the funeral sales man. we get caskets for 995 for 18g steel and head stones with pictures and all kind of diff scenes and thoes are like 205$ we do so much for our clients we dont even consider our selfa insurance agents we are funeral planners that use insurance to pay for the funerals we talk 90% about the plannning and saving and only 10% abut the insurance. we are not like anyone out there. i know this is full of misspellings the thread would not let me correct after it was typed sorry but you get the gist please do not call me out for the typos i know they are there.

You realize you did just what most LH folks do in the house.. You almost did not mention the Life insurance being offered or what value it might be. Is that because it is extremely costly FE coverage compare to many other companies?

 

[shonceman]

 

[the_newguy90]

First, LH is not "a few dollars" more. Even when comparing their level coverage to another carrier's level coverage, they are at least 20% more on the low end.

There are so many health issues that cause LH clients to go modified which is insanely expensive. Those same clients could get level coverage elsewhere with no waiting period and at much much lower premium.

Also, LH does not plan someone's funeral. That is patently false. The client must do that. All LH does is provide them a mechanism to document their final wishes. There's nothing wrong about LH doing that, but making the statement LH plans their funeral is stupid and a lie.

Also, LH saving them money does not negate the fact that those same clients could have gotten much more coverage with another carrier that would have greatly exceeded whatever savings LH could theoretically provide.

Sorry dog but your smoke and mirrors shit is just koolaid talking points. It doesn't stand up to scrutiny.

ok and yes we do plan the funerals we have the funeral consumers guardian society and they are funeral directors that call the funeral homes on the cliants behalf and we do all the funeral planning threw the planning pages that i sit and do when i deliver the policies. the family never ccalls the funeral home we do they just go sign and show up. we sell on average about 7 to 10 thousand per policy and our average cost is 50$. we do alot why else would LH BE THE LARGEST FE OUT THERE

 

[rousemark]

ok and yes we do plan the funerals we have the funeral consumers guardian society and they are funeral directors that call the funeral homes on the cliants behalf and we do all the funeral planning threw the planning pages that i sit and do when i deliver the policies. the family never ccalls the funeral home we do they just go sign and show up. we sell on average about 7 to 10 thousand per policy and our average cost is 50$. we do alot why else would LH BE THE LARGEST FE OUT THERE

Bernie Madoff did a lot too but I don't think he would qualify as the best investment advisor.

 

[the_newguy90]

my rate for 10,000 first day coverage is lets say age 65 male smoker 93$even and if it is the modified it same person would be 128.80 in that case if they could not afford i would try a quote for 7 which is 91.06 and then 5 would be 65.90 and we offer 10% rop yr 1 and 20% yr 2