- 4,265
I agree. Final expense is extremely easy to master, and dovetails nicely with Medicare for those agents that choose to do both, especially if you have a lot of MA clients.
Oh fancy meeting you here..
- Thread starter Vanessa Solano
- Start date
Yeah, but that is best approached from the Medicare side and cross sell the FE.
TheAnnuityCOWBOY
Expert
- 94
Haha, ignore the dinosaurs. Find the most simple term policy possible, such as AIG select a term product. It has brand recognition, amongst the best price per notional $$ of coverage, and offers a simple online quoting tool.
If you want to offer best prices to your client, UW is required. The healthier your prospect, the easier this process will be to complete. Target healthy people when you scale
- 5,884
Says the bag of carbs.
And how exactly do you do that?
The dinosaurs would tell you that there are higher commissions to be had in FE than in term... but then again, who wants to make more money?
I like you Ramen boy!
TheAnnuityCOWBOY
Expert
- 94
Put it in your ads, pre-qualify via quizzes, and put effort into the healthy prospects.
OP mentioned term. Term also works far better w my mostly 45-65 year old book of business.
My team does not sell FE. Maybe one day.
- 5,884
You'll knock a ton of potential business out by only looking for healthy clients, then again
"healthy" is a bit of a nebulous term. (Wow what a pun.)
I find that as I talk to people in the general population, more folks are on meds at younger ages than at anytime in history. I've talked to some 30ish/40ish folks based of pill usage, their next stop was the nursing home.
I'm sorta a simple minded guy. Lost my hair at an early age, and the rest turned gray. So I like the simplified (Your Approved!) as opposed to the (lets keep our fingers crossed) underwriting that is offered now.
I guess I'm getting even more lazy than I was already.
"healthy" is a bit of a nebulous term. (Wow what a pun.)
I find that as I talk to people in the general population, more folks are on meds at younger ages than at anytime in history. I've talked to some 30ish/40ish folks based of pill usage, their next stop was the nursing home.
I'm sorta a simple minded guy. Lost my hair at an early age, and the rest turned gray. So I like the simplified (Your Approved!) as opposed to the (lets keep our fingers crossed) underwriting that is offered now.
I guess I'm getting even more lazy than I was already.
- 4,265
I just got off the phone with an orphan policyholder. They have a UL from 1991 that has obvious problems. They wanted an agent to come visit, but they live in another state where the company has no agents. So the company asked me to try to handle it by phone, since I’m licensed there. I wish I had never called. It’s going to get complicated. I’m getting too old for complicated.You'll knock a ton of potential business out by only looking for healthy clients, then again
"healthy" is a bit of a nebulous term. (Wow what a pun.)
I find that as I talk to people in the general population, more folks are on meds at younger ages than at anytime in history. I've talked to some 30ish/40ish folks based of pill usage, their next stop was the nursing home.
I'm sorta a simple minded guy. Lost my hair at an early age, and the rest turned gray. So I like the simplified (Your Approved!) as opposed to the (lets keep our fingers crossed) underwriting that is offered now.
I guess I'm getting even more lazy than I was already.
- 5,884
WARNING: UL's are be used only by highly trained insurance professionals to insure complete failure sometime in the future. You should never purchase this product unless provided by a properly trained and credentialed agent to insure a proper screw up.
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