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Who pays out the fastest and what is the turnaround time?
Out of Your Favorite Carriers
- Thread starter SouthernComfort
- Start date
- 26,140
On claims - United Heritage, FD faxes an assignment this morning check is out within 24 hrs.
Same company on commissions. I emailed an app on Tuesday, approved Wednesday, $ hit my bank Thursday.
Their down side is price.
+1 on all dat for UH......
The only comment about 'Price'... the UH FE plans are a lot cheaper than dying w/o life ins.
And everyone that I sell UH FE Life to doesn't have any life ins... if they were price conscious they would already own the cheapest plan on the mkt, wouldn't they...? Like the old saying goes, which is the policy to own...? The one that is 'IN FORCE' the day that you die. Price is a lot bigger issue than most Agents make of it. Only a factor when they already own something and you are trying to beat the existing premium.
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- 5,305
Wait until you get a randomized APS/PHI, and your fixed income client wants it drafted for first payment a week after you take the app.
- 3,247
Security National Life.... Sent up an app on Tuesday and got paid today!
- 1,930
+1 on all dat for UH......
The only comment about 'Price'... the UH FE plans are a lot cheaper than dying w/o life ins.
And everyone that I sell UH FE Life to doesn't have any life ins... if they were price conscious they would already own the cheapest plan on the mkt, wouldn't they...? Like the old saying goes, which is the policy to own...? The one that is 'IN FORCE' the day that you die. Price is a lot bigger issue than most Agents make of it. Only a factor when they already own something and you are trying to beat the existing premium.
Really? Maybe they would get the cheapest plan if they knew what the market was. I think they are counting on you as the agent, the one who knows the market, to do whats best for them and get them the best priced plan and not just sell them whats best for your pocketbook. People mistakenly think of the agent as being a professional and not the salesmen they really are.
They are counting on me as an agent to have integrity.
I as the agent have enough integrity that if I receive the lead paid for by UH, then I represent their product <first>... if it is not a fit, not able to be issued for one reason or another, then I am free to offer them another option. Capiche'
If I am providing them a quality company and an insurance contract that they otherwise do not have, and absent the mkting provided... and the integrity of yours truly... not to mention the excellent ability to get them to take action on obtaining a life ins policy, then they may meet the maker w/o any coverage. It is my job to make certain that this doesn't happen.
I guess it is your job to second guess someone with integrity, w/o knowing the arrangement or reason that a specific product is offered.
PS. UH is far from being the highest paying option that I have... it is merely the product that should be offered in the above arrangement, even though it may be the lowest paying option.
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