Old Settlers Agents

[noah]

You fall in and out of love with these companies and then get butthurt when someone says something about the one you currently love.

You now say the same things about Trans that you used to argue with me about.

As for AmAm, my experience with them is that they are one of the worst at customer service and client service. The last several times I've called with a client it was terrible hold times. And then terrible service once we got someone.

So what if others love them? Give it time. You will be hating on them like Trans the more you deal with them.

People's experiences are going to be different. You mention WellCare, when I was in the MA business I was the number 1 agent for WellCare in this region. They were great service for me. They gave me more free leads than I could work. Why you be hatin on WellCare?

This is business. You want to make it personal. I'm going to write companies that give my clients the best value. It's a bonus if that company makes my job easier. No company makes it easy and every company will dump any agent with a moment's notice if it doesn't serve their interest to keep that agent. They don't love us and I don't love them.

When RNA came to our annual meeting a few years ago they asked me what they could do to get me to write them like I did. I said simply, roll your rates back to may 2013 rates and I'm all in. They said, well, other than that? What if we bring back the elite agent program? They knew I hated the new phone app they were using. I told them no, if you reduce your rates I'll figure out the application.

Just like now, Rouse proposed a ridiculous scenario, if Settlers came back with lower rates than KSKJ would I write them? Well yes, I would. Just as I would write AmAm if they had decent rates.

I can work thru the problems with most companies if there's a reason to do so. And if you write a lot of business with most companies, (Trans excluded), they will work with you to make the process better. Years ago I had one person at Aetna dedicated to take my application calls. We could knock out that phone application in less than 5 minutes. I wasn't the only one. There was 10-15 agents she was assigned to help. I just happened to be one.

I would guess AmAm would be similar but there's nothing they offer to even try them.

Why would you write someone who could go preferred NT at any company available on the FEX website that's less than 120% ?

Most if not all are very competitive in the independent FE agent marketplace,right ?

If not,why would Scott offer these companies ?

In nearly every description of each and every company on the FEX website he emphasizes the company's product as being "very competitive ".

 

[noah]

You hear what you want to hear. I write whomever I need to write. I don't have to like a company to write them. I've written a pretty good sized Accendo this morning. Looks like I'm writing a Trans this afternoon. I wrote 3 SNL's last week.

I don't know why that matters to you. But I write LS, CinnEq, both of the Aetna products, GCU, (or was), even a handful of Gerber when the people would rather pay for an agent, Trinity/FBL, etc.

There's not one company that fits for everyone. If there was I would write everybody with KSKJ.

I forgot CF, Oxford and Prosperity. Again, I don't know why it matters but I did answer your question.

You said you didn't write GI ? You said you referred that to Moo ?

You're writing GCU ? Are they an agent friendly company?

So you are writing a good amount with other companies?

I was under the impression your go to was KSKJ and you were giving them nearly all of your business.

My bad.

 

[noah]

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.

Who's giving out 130's with Am Am ?

How much production do you need to get a 130% ?

Which product,Senior Choice ?

 

[jdeasy]

What made you write snl ? Unless it's directly monthly, de or rop ( they take oxygen )

Com'on man!!

 

[jdeasy]

Why would you write someone who could go preferred NT at any company available on the FEX website that's less than 120% ?

Most if not all are very competitive in the independent FE agent marketplace,right ?

If not,why would Scott offer these companies ?

In nearly every description of each and every company on the FEX website he emphasizes the company's product as being "very competitive ".

Again, (and again), I write the company with the best price that the person can qualify for. I don't know what your obsession is with commission number on a piece of paper. But that is your problem, not mine. You can't make it my problem by asking the same question over and over and over.

KSKJ is my lowest commission company. I make more money writing KSKJ than any other company in my career. Not just now, ever.

I don't know, or care, why FEX offers the companies they offer. That never enters my mind. The things you care about are just not on my radar. If FEX picks up a new company I take a look at them. If they have good rates I'll write them. If the rates are not so good I'll see if they have an underwriting niche and if they do I'll use them for that niche. It's not as difficult as you make it out to be.

 

[jdeasy]

You said you didn't write GI ? You said you referred that to Moo ?

You're writing GCU ? Are they an agent friendly company?

So you are writing a good amount with other companies?

I was under the impression your go to was KSKJ and you were giving them nearly all of your business.

My bad.

I didn't say I didn't write GI. I said I write very little. Meaning maybe 4-5 a year. I wrote almost 350 applications last year so 4-5 applications of that is very little. Surely you can count?

Currently GCU is not taking business. I think they never will again. FE business anyway. They are still taking FU business. No, GCU is not agent friendly.

I can't help the "impressions" you form. You ask questions, get answers, argue the answers and then form impressions. That's on you.

KSKJ is my goto. Just as RNA was my goto for 6 years. Do you know what "goto" means?

I'm leaving shortly for a full day of seeing people. I would like to write KSKJ in every home I go into today. May not be possible. If I can't write KSKJ I will write who fits.

Yesterday I wrote 3 applications for a little over $5K AP. Only one of those was KSKJ. And it was the lowest premium of the 3. But it's already approved. The other two were supposed to be approved at POS but both referred. One probably won't get issued as applied. But it's 120% that I didn't get. That's the way to go in your book, right? As long as the paper says 120% and up it's the way to go? Not getting 120% is far better than actually getting 100%, right?

 

[noah]

I didn't say I didn't write GI. I said I write very little. Meaning maybe 4-5 a year. I wrote almost 350 applications last year so 4-5 applications of that is very little. Surely you can count?

Currently GCU is not taking business. I think they never will again. FE business anyway. They are still taking FU business. No, GCU is not agent friendly.

I can't help the "impressions" you form. You ask questions, get answers, argue the answers and then form impressions. That's on you.

KSKJ is my goto. Just as RNA was my goto for 6 years. Do you know what "goto" means?

I'm leaving shortly for a full day of seeing people. I would like to write KSKJ in every home I go into today. May not be possible. If I can't write KSKJ I will write who fits.

Yesterday I wrote 3 applications for a little over $5K AP. Only one of those was KSKJ. And it was the lowest premium of the 3. But it's already approved. The other two were supposed to be approved at POS but both referred. One probably won't get issued as applied. But it's 120% that I didn't get. That's the way to go in your book, right? As long as the paper says 120% and up it's the way to go? Not getting 120% is far better than actually getting 100%, right?

Hey man,my job is to go out there with the card and write fresh business.

I'm going to fact find,place the insured with the correct coverage for their health,their finances,write a very competitive premium,client/agent friendly company,but I am writing that business with the company that wants to reward me with the highest contract I can get.

I'm not looking for trips or to be known,be friends with anyone in that company that low balls me when it comes down to my commissions,is not competitive to what's in the independent agents marketplace from FEX,Todd King.Ben Bowman,360,or whoever else.

Every agent,salesman,broker I have ever known that was the guy with the "low price" was nothing more than a "give away artist"or a "choker" in the house.

I've discussed in detail with the professionals at our agency,with other pros on our team. There's many reasons why these small unrated companies available in very few states are not offered to us,and I understand why.

To each his own.

Have at it !

 

[jdeasy]

Hey man,my job is to go out there with the card and write fresh business.

I'm going to fact find,place the insured with the correct coverage for their health,their finances,write a very competitive premium,client/agent friendly company,but I am writing that business with the company that wants to reward me with the highest contract I can get.

I'm not looking for trips or to be known,be friends with anyone in that company that low balls me when it comes down to my commissions,is not competitive to what's in the independent agents marketplace from FEX,Todd King.Ben Bowman,360,or whoever else.

Every agent,salesman,broker I have ever known that was the guy with the "low price" was nothing more than a "give away artist"or a "choker" in the house.

I've discussed in detail with the professionals at our agency,with other pros on our team. There's many reasons why these small unrated companies available in very few states are not offered to us,and I understand why.

To each his own.

Have at it !

The thing is, I don't care what you do. But you care very much about what I do.

You can name call all you want. No reason for me to stoop to that. Your postings speak for themselves.

 

[noah]

No spin zone here dude.

And It's not name-calling. It's asking legitimate questions about writing a company with the lowest commissions in the independent FE agent market.

With your 18 years experience and your skills and tools,seems like you're allowing yourself to get bent over and write for 100%.

Don't you feel your worth more than that ?

I mean Greg with Senior Life starts brand new agents at 90%,right ?

Again,this is a legitimate question.

Hope you sell a bunch today.

 

[goillini52]

Com'on man!!