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NO ONE is stuck in their %. They can move up based on production, so that's on them. I've had 120% contracts in the past BUT % shouldn't be the only factor. Over my years I have seen MANY agents w/ 110%+ agents fail left and right. Getting in front of a HIGH % of people who want more life insurance info matters most to me and probably to others as long as the contract % is decent/fair. The lower the cost to get in front of those people, the better. That's what will sustain you for the long haul. Renewals don't hurt either.
Also, especially w/ newer agents and even experienced agents, having ride-alongs can be priceless. I KNOW I wouldn't be in this business if a fella named BEN T. wouldn't have taken the time to show me the ropes live and in action. NASB is pretty good about doing this w/ their agents which gives them a higher rate of survival than some companies out there. I've seen agents take HIGH contracts and they are jumping up and down about it. BUT 6 months later they are complaining about the quality of leads OR NO LEADS, or their manager being across the country and not being able to help or having no hands on training or training of any kind for that matter.
I think I read on here recently that Reardon was doing FREE ride-alongs w/ agents who wanted to ride w/ him. My hats off to you buddy for helping out total strangers like that and giving these new agents a chance to survive this tough business. I'm SURE you're leaving those agents A LOT better off than you found them. You can make an impact not just on their lives but the lives of their families. So good for you and the things you do!
I think people should not be so dependant on company subsidized leads no matter what company.