New Agent- 2 FE questions

[Baseball7]

I was teasing you but some of my biggest premium comes from those homes.

 

[WinoBlues]

............ working FE, it does not have to be in the most rundown areas and the government projects. There are plenty of blue collar working class areas a person can work.

Sheeeesh, that is a secret.

 

[Life Hawk]

P.S. You are welcome to make fun of my terribly selected user name.

The rest will give you some good advice to do some research on. Always do your research.

I would like to complement your cup of coffee... looking good!

Java is the BEANS!

 

[Thedude]

Ho to agent is by far my favorite username on here. I'm glad you are done as a HO and i wish you all the best being an agent!

 

[WinoBlues]

Ho to agent

I thought they were going from a recruiter to agent.

 

[rousemark]

Ho to agent is by far my favorite username on here. I'm glad you are done as a HO and i wish you all the best being an agent!

Some say agents are HOs..

 

[tribetime32]

Best of luck to you! I know I certainly wouldn't want my wife to do FE, but some of the best agents I know are women. Hope things work out for you!

 

[PanhandleBob]

Hey y'all!

I will be licensed in L&H at the end of this month, so I'm working on getting my ducks in a row and I have a couple of FE specific questions.

I'm interested in FE for a few different reasons. I feel like I can understand the challenges of the clients in that market, which should help me know how to present to them, how to identify their needs, and how to select the best product for them and their income (and one that actually has a chance for good persistency.) I grew up with my great-grandparents on a fixed income, I have been a caretaker for two elderly relatives who were both on a fixed income and Medicare, and I have personally benefited from an FE policy (without which I would have been in major trouble paying for burial expenses), so I understand how important it can be.

Question 1: From my research, it sounds like most successful FE agents work FE exclusively (and sometimes as an adjunct to Med supps.) This makes sense since it sounds like a pretty niche market without a whole lot of overlap from "regular" insurance policy clients. So if I go this direction, I would need to focus on just FE, yes?

Question 2: From my research, it sounds like the FE market is lower to lower middle class seniors. In my city and surrounding area, these populations live in three basic areas: the surrounding rural area, lower middle class neighborhoods with very small homes and low crime (I live in one of these!), and lower class neighborhoods with moderate to high crime. Obviously, the last type is my concern. So how do you protect yourselves (or suggest a slightly built woman would protect herself?)

My thoughts are to qualify my leads' potential criminality with background checks, avoid the worst neighborhoods based on my knowledge of my city (or crime reports if it's another city), and finally get my CCP. Other suggestions? Do you think disqualifying whole neighborhoods because they're possibly unsafe is going to seriously damage my ability to work FE? We all know there's a big difference in safety concerns between women and men, so don't feel like you have to be totally PC with your responses.

Sorry for the novel! Thanks for any help you can give me. I really appreciate it.

P.S. You are welcome to make fun of my terribly selected user name. I used to work a Home Office, not a corner. I thought about changing it, but what the hell, I love a good laugh at my own expense. I'm sure it will surprise none of you that Goillini52 already got me pretty good.

I have never done a background checks. I use to do tabletops for Dual Eligible Medicare Advantage Plans in the middle of the poorest areas of town. I still will go into some of the projects for appointments. Everyone is going to die. Everyone needs a burial policy. Just fit their budget. No one is going to rob you.

 

[Will S]

It's funny that I'm seeing this thread this morning regarding the safety issue.

I'm a new FE agent myself and it's certainly slow going right now for me. I have a guy who wants me to come see him tomorrow in an apartment complex that is known for its crime in recent years. It's a senior living apartment complex but the neighborhood it's in is terrible and there are vehicle thefts, armed robberies, etc there often. I'm a little terrified of going there and told him I'm only available at 9:00am since I'm pretty sure at that time of morning most of the trouble makers are still sleeping (HOPEFULLY).

I have been so slow lately that the prospect of making $600 off of this particular prospect is enough for me to want to risk it. Wish me luck!!!

 

[Newby]

That kind of selective sales seemed a bit discriminatory to.

Is it now politically incorrect to avoid high crime areas? If it is I'm guilty of that one.