Old Settlers Agents

[jdeasy]

The comp is 30% more at am am than kskj . That's obviously a big factor in the pricing of a product . If not then why wouldn't kskj with very low prices pay 150% plus to the fmo ? Why wouldn't Trinity with a competitive product pay more than 130-135% ? Why wouldn't Slac pay more ? A great majority of the most competitive products pay less comp which is understandable.

Then why do overpriced companies like SL and LH pay low commissions.

Nor is there 30% difference between AmAm and KSKJ.

In fact, when I had AmAm my commissions were less than my KSKJ now.

 

[noah]

I don't find AmAm to have good smoker rates.

Who are you comparing them to?

Trans
RNA
LBL

Problem is 70+ M Tobacco

What do you do when someone has an offer from CUNA or NYL for their WL ?
They don't ask about tobacco.
Can you beat them ?


I just looked at male smoker age 70 for $10k.

AmAm is $21/mo higher than KSKJ.

 

[jdeasy]

Actually AARP does have smoker rates now. But KSKJ smoker still beat their non smoker rates and KSKJ is not a group plan.

CUNA is basically FU. But KSKJ FE beats them too. If I use KSKJ fu it blows them away.

 

[jdeasy]

Kentucky Home life: $83.56
Kskj : $87.81

Looks like Ky Home Life is fu. So in that case KSKJ is $64/mo.

 

[noah]

Actually AARP does have smoker rates now. But KSKJ smoker still beat their non smoker rates and KSKJ is not a group plan.

CUNA is basically FU. But KSKJ FE beats them too. If I use KSKJ fu it blows them away.

Really? Hadn't seen their app in a while. Both for term and WL ?

Cuna (Trustage)through the credit unions in my area doesn't ask about tobacco. I get their offers from my CU and it's definitely SIWL.

 

[DonP]

Your were on a bad contract with am am then . Street is 120% and most anyone can get much higher . Street at kskj 100% . Sl top contract over 150% . It's the sucker agents taking the comp it at 70-80% levels . Age 65 female smoker kskj $9 cheaper . But again kskj not in many states so many agents can't write them so it's a non issue . Plus as I recall life hawk saying they don't pay commish on the policy fee ? So that 100% street is down to 95% or so . Gtl nor snl pay commission on the policy fee . My friend who'll be in fla with kskj conference really likes them . A lot of great CO's out their and many ways to sell fe and be successful.

 

[jdeasy]

Really? Hadn't seen their app in a while. Both for term and WL ?

Cuna (Trustage)through the credit unions in my area doesn't ask about tobacco. I get their offers from my CU and it's definitely SIWL.

I didn't say it wasn't SIWL. I said it was basically FU.

Have you not looked at their application?

It's the same everywhere. There's only 4 or 5 questions but they are all inclusive questions.

Looks about like LS application. If a person qualifies for LS they qualify for FU.

Actually it's even stricter. I can get people approved FU that won't qualify for LS or CUNA.

 

[jdeasy]

Your were on a bad contract with am am then . Street is 120% and most anyone can get much higher . Street at kskj 100% . Sl top contract over 150% . It's the sucker agents taking the comp it at 70-80% levels . Age 65 female smoker kskj $9 cheaper . But again kskj not in many states so many agents can't write them so it's a non issue . Plus as I recall life hawk saying they don't pay commish on the policy fee ? So that 100% street is down to 95% or so . Gtl nor snl pay commission on the policy fee . My friend who'll be in fla with kskj conference really likes them . A lot of great CO's out their and many ways to sell fe and be successful.

It is a non issue to me. You keep making it an issue.

I wouldn't write AmAm on a 200% contract.

 

[noah]

I didn't say it wasn't SIWL. I said it was basically FU.

Have you not looked at their application?

It's the same everywhere. There's only 4 or 5 questions but they are all inclusive questions.

Looks about like LS application. If a person qualifies for LS they qualify for FU.

Actually it's even stricter. I can get people approved FU that won't qualify for LS or CUNA.

So basically you have to go FU if the PI is tobacco?

Yes I've seen the app.If the PI is healthy they can answer those 5 comprehensive questions.

Comparing apples to apply here.

 

[jdeasy]

So basically you have to go FU if the PI is tobacco?

Yes I've seen the app.If the PI is healthy they can answer those 5 comprehensive questions.

Comparing apples to apply here.

i didn't say that. In fact I said FE still beats them.

Do you not read the answers to your questions?


You're not comparing anything to anything.
You just want to argue to argue.