Mass Mutual's The Latest To Join The T.V. GI Crowd

[PA Bill]

As Wino said earlier...Sagicor is perfect for these situations when you actually run into them in the field. You can do it on your laptop or iPad. It's not that difficult of a product to learn

Amen brother (you too Wino)! I must confess I've taken a peek at some of these, such as Sagicor. You're right, I should have this in my bag. Thanx!

 

[Gooner]

. But it sounds great... and im sure it works well when you are pushing an overpriced FE policy from a subpar carrier to someone who should be sold a GUL instead!!

So in the FE forum we're supposed to talk about FE policies.

I'm glad I'm one sentence you summed up your feelings about FE companies and agents. Well done. Usually it takes effort to look like that much of an asshat, but you did it flawlessly. (Yes, I have to work hard to be an asshole)

 

[scagnt83]

So in the FE forum we're supposed to talk about FE policies.

I'm glad I'm one sentence you summed up your feelings about FE companies and agents. Well done. Usually it takes effort to look like that much of an asshat, but you did it flawlessly. (Yes, I have to work hard to be an asshole)

Final Expense Insurance is supposed to provide for final expenses. How would a $25k or $50k GUL not be considered a final expense policy?

And that is not how I feel about all FE agents. There are some damn fine agents who sell FE.
But there are others who constantly pound square pegs into round holes when the square hole is easily within reach. It is one thing to not know something, it is entirely different to be willfully blind to how something works... and it is even worse when you spin the truth like the posts that I quoted.

Funny how others have said basically the same thing on this thread but somehow I am the only one you call an asshole...

 

[WinoBlues]

Final Expense Insurance is supposed to provide for final expenses. How would a $25k or $50k GUL not be considered a final expense policy?

And that is not how I feel about all FE agents. There are some damn fine agents who sell FE.
But there are others who constantly pound square pegs into round holes when the square hole is easily within reach. It is one thing to not know something, it is entirely different to be willfully blind to how something works... and it is even worse when you spin the truth like the posts that I quoted.

Funny how others have said basically the same thing on this thread but somehow I am the only one you call an asshole...

Hey don't think you have all the spot light. I have the "dumbAss Chat thread cornered.

Gives me a good laugh.

 

[Gooner]

Final Expense Insurance is supposed to provide for final expenses. How would a $25k or $50k GUL not be considered a final expense policy? And that is not how I feel about all FE agents. There are some damn fine agents who sell FE. But there are others who constantly pound square pegs into round holes when the square hole is easily within reach. It is one thing to not know something, it is entirely different to be willfully blind to how something works... and it is even worse when you spin the truth like the posts that I quoted. Funny how others have said basically the same thing on this thread but somehow I am the only one you call an asshole...

I was specifically quoting your one sentence...amazing thing is the Vast majority of my clients wouldn't take a GUL, they want Whole Life...period.

Ftr, nobody else said overpriced and subpar except you...thus..asshole, but we are used to your piety by now.

Don't you have a novel to write about some mundane post in the Life forum. Seems like you should stick to that instead of slumming it with us.

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Hey don't think you have all the spot light. I have the "dumbAss Chat thread cornered. Gives me a good laugh.

If the shoe fits. Seriously though, at least your not pompous...

But some pompous prick that has never worked the FE market making blanket statements is just ridiculous.

 

[WinoBlues]

I was specifically quoting your one sentence...amazing thing is the Vast majority of my clients wouldn't take a GUL, they want Whole Life...period.

Ftr, nobody else said overpriced and subpar except you...thus..asshole, but we are used to your piety by now.

Don't you have a novel to write about some mundane post in the Life forum. Seems like you should stick to that instead of slumming it with us.

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If the shoe fits. Seriously though, at least your not pompous...

But some pompous prick that has never worked the FE market making blanket statements is just ridiculous.

Oh scagent, when you said pompous and talking about something that they had not done I thought you were going to say someone else...

OK got to go to work now....

 

[scagnt83]

I was specifically quoting your one sentence...amazing thing is the Vast majority of my clients wouldn't take a GUL, they want Whole Life...period.

Ftr, nobody else said overpriced and subpar except you...thus..asshole, but we are used to your piety by now.

Don't you have a novel to write about some mundane post in the Life forum. Seems like you should stick to that instead of slumming it with us.

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If the shoe fits. Seriously though, at least your not pompous...

But some pompous prick that has never worked the FE market making blanket statements is just ridiculous.

SI/GI WL premiums compared to GUL premiums are overpriced to account for the adverse selection. So if you read my whole statement and notice the words that say "to prospects who should be sold GUL", then it would be a true statement.

Most SI/GI carriers compared to most GUL carriers have worse financial ratings. So again, true statement generally speaking. There are a few exception to this but not many.


Do I work the "FE market" as my main focus? No. But I sell FE policies when a prospect needs one. More importantly, I actually care about the FACTS and not on spinning my bias... that is whats ridiculous. Blanket statements about a product that are 100% incorrect is what is ridiculous... oh, and trolling other forum members & taking what they say out of context over old grudges.

 

[Gooner]

SI/GI WL premiums compared to GUL premiums are overpriced to account for the adverse selection. So if you read my whole statement and notice the words that say "to prospects who should be sold GUL", then it would be a true statement. Most SI/GI carriers compared to most GUL carriers have worse financial ratings. So again, true statement generally speaking. There are a few exception to this but not many. Do I work the "FE market" as my main focus? No. But I sell FE policies when a prospect needs one. More importantly, I actually care about the FACTS and not on spinning my bias... that is whats ridiculous. Blanket statements about a product that are 100% incorrect is what is ridiculous... oh, and trolling other forum members & taking what they say out of context over old grudges.

No need to troll you to make you look pompous.

I've never disputed what you are saying about GUL policies...I sell them. When appropriate.

 

[scagnt83]

Don't you have a novel to write about some mundane post in the Life forum. Seems like you should stick to that instead of slumming it with us.

I forgot that you are unable to comprehend any word that is over 4 letters long.

And plenty of agents in this forum actually care about the actual life insurance industry in general, and not just selling a SI/GI to every person they meet. The only reason this forum would be considered "slumming" is because of asshats like you who have no respect for this industry or their clients.

Like I said before, lots of good agents in this forum and the FE world... excluding you of course. And they can actually read and comprehend sentences properly.

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No need to troll you to make you look pompous.

All you do on this forum is troll.

And if caring about my clients and selling the best product for the situation makes me pompous then I am pompous. Most just call that being a decent person and not deadbeat. (and yes, FE policies can be the best thing for a client)

 

[sirherbie]

Better understand the chargeback policys on many Guls and Sagicor in particular. This is doubly important when dealing with Fe clients. Months 1-6 100% chargeback and months 7-12 50% chargebacks for a lapse