Millenial Liberator- Really?

[Todd King]

Semi- captive? That's debatable
I would say it is a fair statement in that we requirer agents using our leads to place all their final expense business with us. We don't require them to place their term or Medicare business with us we're definitely not captive in that way. gentle this is just like any other agent on a fixed cost that you program with another IMO selling face to face.

We have some agents that have contracts with us that use compliant lead sources and only use one or two companies with us and have contracts with other agency's. You're perfectly fine with this because we know where the leads are coming from and we are not providing training to them they just needed a place to hang a contract.

So semi captive I would say not agents that place a hundred percent of their business with us, I would say you could call them to my captive but they choose that

Unless you are addressing the few agents that have a couple of contracts with you and nothing else, the best you can say is that you are semi-captive.

 

[Todd King]

Do you prove to the agents that your leads are generated legally and that you are not generating them illegally ?

Quite frankly there as many shady FMO's as there are agents.

That's quite an exaggerating mind you have there!

 

[NSRH]

Do you prove to the agents that your leads are generated legally and that you are not generating them illegally ?

Quite frankly there as many shady FMO's as there are agents.

Here is the commercial that is run nationally:

 

[NSRH]

Can you post some here like others do ?



So what is your minimum order for the internet leads ?

Do you have the same contract parameters as Northstar does with their independent broker side ?



Does Northstar have 300K independent broker side agents ?

The independent broker side is also "semi-captive" isn't it ?

The agents at North Star will almost always write more business than most brokers. A low producer will write $150,000 in premium and place over $100k at North Star.

Thats not a fair comparison, because North Star agents "pay" for this by getting a substantial cut below street contracts.

North Star agents spend no time prospecting, qualifying, servicing, and do very little paperwork. They literally only sell. We've even taken the task of license renewals off their shoulders now.

How many face to face agents are 300k producers who are indy. Very few, and there many reasons for that. Mostly because its impossible to spend 100% of the time selling.

 

[goillini52]

Here is the commercial that is run nationally:

Isn't that misleading? Lock in the lowest rates possible...you don't offer the owest rates possible. Your rates are middle of the pack, but a little better on smokers, but still not even close to being "the lowest rates possible". An Independent Agent can do that, but not a captive.

 

[NSRH]

Isn't that misleading? Lock in the lowest rates possible...you don't offer the owest rates possible. Your rates are middle of the pack, but a little better on smokers, but still not even close to being "the lowest rates possible". An Independent Agent can do that, but not a captive.

These leads go to Indy agents too. For $25 a piece after they've been prequalified by an operator and warm transfered in real time.

 

[goillini52]

These leads go to Indy agents too. For $25 a piece after they've been prequalified by an operator and warm transfered in real time.

 

[rousemark]

Isn't that misleading? Lock in the lowest rates possible...you don't offer the owest rates possible. Your rates are middle of the pack, but a little better on smokers, but still not even close to being "the lowest rates possible". An Independent Agent can do that, but not a captive.

It is the "lowest rate possible" WITH THEM

 

[CALTCAgent]

The agents at North Star will almost always write more business than most brokers. A low producer will write $150,000 in premium and place over $100k at North Star.

Thats not a fair comparison, because North Star agents "pay" for this by getting a substantial cut below street contracts.

North Star agents spend no time prospecting, qualifying, servicing, and do very little paperwork. They literally only sell. We've even taken the task of license renewals off their shoulders now.

How many face to face agents are 300k producers who are indy. Very few, and there many reasons for that. Mostly because its impossible to spend 100% of the time selling.

You do understand your partner FMO Premier was the one that brought up the 300K a year producers that NSRH has as a comparison ?

 

[CALTCAgent]

That's quite an exaggerating mind you have there!

Well, since there are more agents than FMO's, maybe I didn't make my point that well.