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

[GreenSky]

There are some damn fine agents who sell FE.

somehow I am the only one you call an asshole...

Name 2 "damn fine agents who sell FE."

Also, many of us have called you an asshole, along with many others on this thread. But mainly you.

Rick

 

[Gooner]

Name 2 "damn fine agents who sell FE." Also, many of us have called you an asshole, along with many others on this thread. But mainly you. Rick

Lol. I was going to respond to him, but this made me laugh...so I'm done. He can't rant all he wants

 

[scagnt83]

Name 2 "damn fine agents who sell FE."

Also, many of us have called you an asshole, along with many others on this thread. But mainly you.

Rick

Yep. Im the asshole yet you essentially called most FE agents greedy and lazy... lol.

And it will take me another 5k posts to be called an asshole half as many times as you have been

2 FE agents? Josh, & Scott.... and Lee... lol

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Lol. I was going to respond to him, but this made me laugh...so I'm done. He can't rant all he wants

 

[John Galt]

Well there you go. You gave me a reason. Something the self-appointed god of FE didn't bother writing.

I don't know what the premium differential might be, but couldn't a GUL be funded at higher than minimum and potentially avoid the "trap?" If so, would it then lose the premium advantage over WL?

Again, I don't sell FE and really don't want to work that market. But I am curious about this.

Of course, I also wonder if JD would tell the DOI that only WL is permanent and GUL is temporary.

Rick

Wow that sounded like an attack on JD. You wouldnt be slinging attacks or insults directed at him would you Rick?

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One could take the other side and say you need a belief in solving a problem rather than selling a WL to every client. (And I'm not saying you do this).

That's my biggest issue with FE. I know it's a different market than other life insurance but it seems that most agents are simply order takers. "You need a burial policy? Here's one at a good price."

It appears to me that many (not all) seem to forget they're selling life insurance and hopefully providing the solution that's best for the client, not best for the agent.

Or could it also be that WL pays 120% and GUL 90-100% of a lower premium?

Maybe I'm completely wrong because I'm not in this market but that's the impression I get reading the FE forum.

Rick

Go sell fe for a month and your tune will change lol

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I review a lot of policies. That is how I have marketed for many years. I have seen many more people in "FE" products that could have gotten better Whole life plans than I have seen people in inappropriate GULs. Being that I sell both regularly I know the difference. Recently was reviewing a UH FE policy and found the same agent wrote both her perfect health twenty-something year old kids $25,000 plans.

Can these other products be issued in 24 hours or provide pos approval on the spot? Thats the magnetic draw for me to fe, im impatient lol

 

[WinoBlues]

Wow that sounded like an attack on JD. You wouldnt be slinging attacks or insults directed at him would you Rick?

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Go sell fe for a month and your tune will change lol

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Can these other products be issued in 24 hours or provide pos approval on the spot? Thats the magnetic draw for me to fe, im impatient lol

I have had them approved in about 10 minutes. POS on the spot? Nope.

But I do not think that was the (one of) the argument on GUL. I think it started with some misstatements, I think. It started about Mass's GI and ended with a cool pic of Gooner and scagent and Rick arguing who is the bigger a$$hole. . Rick.

 

[John Galt]

Yep. Im the asshole yet you essentially called most FE agents greedy and lazy... lol.

And it will take me another 5k posts to be called an asshole half as many times as you have been

2 FE agents? Josh, & Scott.... and Lee... lol

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Thats 3 agents, more proof needed lol

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I have had them approved in about 10 minutes. POS on the spot? Nope.

But I do not think that was the (one of) the argument on GUL. I think it started with some misstatements, I think. It started about Mass's GI and ended with a cool pic of Gooner and scagent and Rick arguing who is the bigger a$. . Rick.

Well we all know who wins that contest and it aint scagent, gooner or you lol

 

[GreenSky]

Well we all know who wins that contest and it aint scagent, gooner or you lol

It's the one in your mirror.

Rick

 

[WinoBlues]

Thats 3 agents, more proof needed lol

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Well we all know who wins that contest and it aint scagent, gooner or you lol

Hell, I'll take it. Although if we are listing Asshats I could add a name or two. But I will gladly take the title, I just do not get that knotted up about stuff here.

 

[John Galt]

Hell, I'll take it. Although if we are listing Asshats I could add a name or two. But I will gladly take the title, I just do not get that knotted up about stuff here.

Ive heard im beautiful and luxurious when i look in the mirror lol

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It's the one in your mirror.

Rick

Well thats really original lol

 

[GreenSky]

Well thats really original lol

Maybe not quite as original as you sending me two PM's both saying "**** you."

Rick