Need Advice

[rodman28]

Your right and I appreciate your advice. Just so you know I am in NC. I have looked at so many companies and some of them seem pretty good but when I look on here I see a lot of horror stories. Now I don't know if its speculation from people because they think being independent is the only way. Now I know you make a lot more commission and that's great but then you lack a lot of training. Im not new to Insurance at all been in since 93 but I specialized on Health side so this isn't my market and Health Insurance is going down pretty quick.

 

[HomeService]

Your right and I appreciate your advice. Just so you know I am in NC. I have looked at so many companies and some of them seem pretty good but when I look on here I see a lot of horror stories. Now I don't know if its speculation from people because they think being independent is the only way. Now I know you make a lot more commission and that's great but then you lack a lot of training. Im not new to Insurance at all been in since 93 but I specialized on Health side so this isn't my market and Health Insurance is going down pretty quick.

Yes, I used to specialize in health as well. Way back in 1989, I got told by a manager at a large mutual company, to get out of health insurance.

I was in another state, then. I moved to TX and gave debit life a try. I really liked it. All life insurance, never even touched health. Most of our clients were either on medicaid or were older and on medicare, or had jobs with health insurance provided. Most of them really never brought up health insurance. But they needed life insurance.
Nothing wrong with working for a captive outfit and letting them train you a while, before you go indy, if you can stand the micro-management and being tied to one company.

 

[rousemark]

I have not herd very good things about AGLA anyone have any feed back on AGLA. Not sure there very strong in Final Expense but I don't have any experience with them so I may be wrong.

AGLA can be good for a new agent who is willing to work.. But, when it comes to final expense, they aren't even in the market.. They have a WL policy that can be written at low face amounts but the premium is outrageous and it is fully underwritten. AGLA's focus is more on the middle income and business markets with their UL products.

 

[Ryan Caras]

Well I did say it was "manager specific". You are probably right that you can't start at higher than 80-85% there now. I'm sure I wouldn't have started at the level I was at if I had not been under you.

Since you are no longer there the homework I told him to do woill be much more difficult.

Agents come in at various levels based on their current level of experience. Not all agents need extensive training but those that do EFES provides that for them. We certainly show each agent what they need to do in order to increase their commission... the override is not for the benefit of EFES this is in order to pay the manager for their time, expertise and ability to train people the right way to stay in business selling FE.

As far as the audio training and recordings previously mentioned this would be referring to the EFES U... this is is a newly upgraded training module that was designed like iTunes in terms of searching for FE topics... This pulls thousands of hours of FE training from some of the most elite FE agents of the past, the present, and soon to be the future of this business.

Certainly you are right our EFES lead program isn't for everyone. JD has said this from the very beginning, but the demand to get on our lead program is still very high mainly from the reasons listed below:

1. 10 Day Lead Financing
2. Lowest Lead costs in the industry
3. No hassle with return rate issues
4. Zero worry with dealing on weekly decisions of where to mail
5. Virtual assistant that scrubs your apps for mistakes
6. Full time wingman (marketer) to assist with issues

Travis and JD are right that some agents are not best fit for EFES' lead program... These agents have a distinct quality about them... Most importantly they have the finances to bankroll their own lead program. This is why EFES provides every agent with two agent numbers... This allows each agent to have access to the higher commission if they so choose to go brokerage and take the risk in mailing their own mail. We actually also provide brokerage opportunities with discounted mail prices per thousand... EFES leverages the fact that we own and operate our own mail shop where we can generate a lower cost for all broker agents wanting to do their own mail drops...

Look at the history of the postal service, eight years ago you could get direct mail drops for 330 a thousand at any given print shop. Now you are looking at 390-420 per thousand. Just to be blunt the united states postal service is going broke and they are constantly raising the cost of mail. This directly affects everyone!!!

The facts are that during my 8 years of recruiting and offering both programs to every agent I have ever spoken to 95% of the time the agent wants to go with the lead program. If I could have it my way I would have every one of our agents on the brokerage side where they do their own mail. The reason for this is very simple they assume all the risk.

Ryan

 

[HomeService]

dude, financing leads? ha ha I knock doors for free.

 

[VolAgent]

dude, financing leads? ha ha I knock doors for free.

So.... how many policies did you sell last month?

 

[captain94]

Agents come in at various levels based on their current level of experience. Not all agents need extensive training but those that do EFES provides that for them. We certainly show each agent what they need to do in order to increase their commission... the override is not for the benefit of EFES this is in order to pay the manager for their time, expertise and ability to train people the right way to stay in business selling FE.

As far as the audio training and recordings previously mentioned this would be referring to the EFES U... this is is a newly upgraded training module that was designed like iTunes in terms of searching for FE topics... This pulls thousands of hours of FE training from some of the most elite FE agents of the past, the present, and soon to be the future of this business.

Certainly you are right our EFES lead program isn't for everyone. JD has said this from the very beginning, but the demand to get on our lead program is still very high mainly from the reasons listed below:


[*]10 Day Lead Financing
[*]Lowest Lead costs in the industry
[*]No hassle with return rate issues
[*]Zero worry with dealing on weekly decisions of where to mail
[*]Virtual assistant that scrubs your apps for mistakes
[*]Full time wingman (marketer) to assist with issues


Travis and JD are right that some agents are not best fit for EFES' lead program... These agents have a distinct quality about them... Most importantly they have the finances to bankroll their own lead program. This is why EFES provides every agent with two agent numbers... This allows each agent to have access to the higher commission if they so choose to go brokerage and take the risk in mailing their own mail. We actually also provide brokerage opportunities with discounted mail prices per thousand... EFES leverages the fact that we own and operate our own mail shop where we can generate a lower cost for all broker agents wanting to do their own mail drops...

Look at the history of the postal service, eight years ago you could get direct mail drops for 330 a thousand at any given print shop. Now you are looking at 390-420 per thousand. Just to be blunt the united states postal service is going broke and they are constantly raising the cost of mail. This directly affects everyone!!!

The facts are that during my 8 years of recruiting and offering both programs to every agent I have ever spoken to 95% of the time the agent wants to go with the lead program. If I could have it my way I would have every one of our agents on the brokerage side where they do their own mail. The reason for this is very simple they assume all the risk.

Ryan

I looked at EFES I had a agency producing 15k a week not counting my production I was offered a 90% contract to be part of that magic lead system I needed 0 Training just thinking if I could save the agents money on leads might be worth it be on a platform I've heard so many good things about them.

90%. I was told if I got up to 3 million a year I could get a 100%. When I declined the offer I got bombarded with emails telling me how stupid I was for not taking it. Soooo glad I didn't go with that guy or the company. Didn't pass the sniff test.

 

[senior-advisor-indiana]

dude, financing leads? ha ha I knock doors for free.

Knocking the doors might be free but you waste a lot of time.

 

[GoCubsGo]

Then you could say direct mail wastes a lot of money. ha

 

[senior-advisor-indiana]

Then you could say direct mail wastes a lot of money. ha

Sure beats knocking on doors. I don't know how you could say it wastes a lot if money. I can write those expenses off. You can't write off time...