No POS?

[shonceman]

JD and NFL are spot on. I really like the "" "Or maybe you guys haven't had to sell your entire life like I have. Sell the company and sell your self. It pays huge dividends in the long run."" Every person I talked to today called me. They all had different agents years ago. I have only ever met one face to face. That was at a Starbucks in the Bay Area and they paid. All were referred by other people that had had other agents before me. They all have multiple policies and are buying more. All are "FE" or non med Permanent policies by phone, email or mail.

You guys and I do not write business the same, we seem to not write the same people and are on opposite side of the Country. But serving your, and other's, clients does pay huge dividends.

Like JD, I do not want my people calling the company. They belong to me. Not the company.

Even as a captive agent, once I got a cell phone, I never gave a client the office number ever again. Our office support people seemed to be stressed and could be kind of short with people on the phone at times. I definitely didn't want to subject my clients to that!

Even though the home office people for most of our companies are reasonably friendly these days, they're still neither as motivated nor as knowledgeable as I am to best serve my clients.

 

[WinoBlues]

Even as a captive agent, once I got a cell phone, I never gave a client the office number ever again. Our office support people seemed to be stressed and could be kind of short with people on the phone at times. I definitely didn't want to subject my clients to that!

Even though the home office people for most of our companies are reasonably friendly these days, they're still neither as motivated nor as knowledgeable as I am to best serve my clients.

That and their job is not to prospect. Many if not most agents today do not know how to prospect, a salaried CS person is not going to. They have no skin in the game. I do not want them talking to my people anyway. One of the first questions I ask a new referral or a client that has another policy is 'when was the last time the agent called you and do they call them for service or the company?'.

 

[FinalExpenseDojo.com]

If you guys think the bare bones cheapest policy is the best for the client then why don't you all sell Christian Fedility instead of KSKJ & SNL?

 

[Newby]

If you guys think the bare bones cheapest policy is the best for the client then why don't you all sell Christian Fedility instead of KSKJ & SNL?

Have you run quotes? And looked at what apps KSKJ accepts compared to Christian Fidelity?

We sell quite a bit of Christian Fidelity and they definitely have their uses but you are comparing apples to oranges. KSKJ Underwriting is almost the same as TransAmerica. Except they have a height weight chart. Christian Fidelity is almost the same as Oxfords which is good but much tighter. Especially on Meds.

And premiums are about the same with KSKJ and Christian Fidelity. In fact on the cases where CF comes up lower, it usually by less than $1. But on the cases where KSKJ is lower than Christian Fidelity they beat them by a pretty wide margin. Pull up a quote on male smokers in particular and look at the rate difference between the two.

For Agents who like to have a price advantage AND want the cases approved, KSKJ is hard to beat.

 

[jdeasy]

And CF has a quota on replacements. In the states where they allow replacements.

 

[nfl72]

stated by broke4ever

"f you guys think the bare bones cheapest policy is the best for the client then why don't you all sell Christian Fedility instead of KSKJ & SNL? "

Did you even read what was said. I specifically stated I would recommend SNL and KSKJ over other companies because their service is better. Its not all about price. When your attempting to replace a policy price can be very helpful but other things can also be important.

 

[PA Bill]

stated by broke4ever

"f you guys think the bare bones cheapest policy is the best for the client then why don't you all sell Christian Fedility instead of KSKJ & SNL? "

Did you even read what was said. I specifically stated I would recommend SNL and KSKJ over other companies because their service is better. Its not all about price. When your attempting to replace a policy price can be very helpful but other things can also be important.

I once seen a lady switch even though she was going to be paying $20/mo. more. No arm twisting, she just truly despised the woman who had sold her the previous policy. People have their reasons (not always ours), so who are we to argue? Sign 'em up! Because if they're happy, I'm happy.

 

[WinoBlues]

Have you run quotes? And looked at what apps KSKJ accepts compared to Christian Fidelity?

We sell quite a bit of Christian Fidelity and they definitely have their uses but you are comparing apples to oranges. KSKJ Underwriting is almost the same as TransAmerica. Except they have a height weight chart. Christian Fidelity is almost the same as Oxfords which is good but much tighter. Especially on Meds.

And premiums are about the same with KSKJ and Christian Fidelity. In fact on the cases where CF comes up lower, it usually by less than $1. But on the cases where KSKJ is lower than Christian Fidelity they beat them by a pretty wide margin. Pull up a quote on male smokers in particular and look at the rate difference between the two.

For Agents who like to have a price advantage AND want the cases approved, KSKJ is hard to beat.

Good informative post. I no longer have kskj or Oxford so no skin in the discussion. I just like that you imparted that balanced Newby knowledge.

OK, back to the shoe pissing.

 

[Newby]

Good informative post. I no longer have kskj or Oxford so no skin in the discussion. I just like that you imparted that balanced Newby knowledge.

OK, back to the shoe pissing.

Thanks, I think it's a common misconception that agents that aren't familiar with KSKJ assume the Underwriting is super strict like most other price busters. But that is not the case with them. They really are a clone of Trans as far as that goes.

 

[rousemark]

Thanks, I think it's a common misconception that agents that aren't familiar with KSKJ assume the Underwriting is super strict like most other price busters. But that is not the case with them. They really are a clone of Trans as far as that goes.

But, I think the point being made was, "if it is in the best interest of the client to write the cheapest premium when you are in competition and replacing, why would it not be in the best interest of that same client to write the same company with the cheapest premium if no replacement is involved"?