Preneed Vs. Graded Policy from Presidential

[TDFnCali]

Thanks everyone for the quick and insightful replies. I can get contracted with MOO, which at the rate difference I need in my bag. Thanks Newby for the education on preneed, being fairly new to this, every day is a learning experience.

If I can get her on MOO, I will go in that direction, if not, can I refer them to you Newby? I know your worldwide, does that include TN?

Thanks

SD

On the slim chance Im right, and I think I am.....Am-Am is the better product because it ISN'T ROP, its FIRST DAY coverage & u will make commission AND its virtually the same as MoO.

Just my 3cents!

 

[Newby]

On the slim chance Im right, and I think I am.....Am-Am is the better product because it ISN'T ROP, its FIRST DAY coverage & u will make commission AND its virtually the same as MoO.

Just my 3cents!

There is not one chance in a million that AmAm is going to pay that death claim if she dies in the 1st two years and needed assistance with ADLs.

Just call them and tell them what you have to find out.

 

[sellingdog]

Time to move on and do the right thing, I will give her the number of MOO.

Thanks

 

[tins]

Time to move on and do the right thing, I will give her the number of MOO.

Thanks

Shows good character. It'll come back to you in the end.

 

[rousemark]

Im new so I dont know 100% beyond what Im told by my upline, but they said Am_Am is good for ppl with Home Health Care (give meds, chk vitals, etc), as long as its NOT a "Provider" who does housework & stuff...and its not asked on the app, a lot of other companies ask about that!

You're seasoned JDeasy, so pls share if Im missing something!

If the Home Health is there 30 hours per week, they are doing more than just giving meds and checking vital signs.

 

[WinoBlues]

You can go with Am_Am, they dont as about home health care & it will be 1st day coverage for only $49 for 5k or $95 for 10k....thats double what you are offering! Unless there's another health issue u didnt mention....and thats assuming shes a non-tabacco user!! Add a accident rider for double coverage for a few $$ more too!!

Why?
................

 

[GreenSky]

Why?
................

Increase in commission?

Rick

 

[TPAAgent]

MoO really needs to open up that product for indie agents-

It would bring them more business in the end-

Agents dont write policies for a hobby, and certainly don't for ones health-

 

[Newby]

MoO really needs to open up that product for indie agents-

It would bring them more business in the end-

Agents dont write policies for a hobby, and certainly don't for ones health-

Agents would only sell it to GI case people. MOO can't offer those rates for all unhealthy people. Their distribution plan is to market it as a good plan for EVERYONE healthy or unhealthy.

The healthy people who make the mistake of buying it and live and pay premiums for YEARS is how they can price it so low.

Believe me, they don't like us agents sending them the GI cases and they certainly don't want to pay us to do it. It throws their numbers off.

 

[TPAAgent]

Agents would only sell it to GI case people. MOO can't offer those rates for all unhealthy people. Their distribution plan is to market it as a good plan for EVERYONE healthy or unhealthy.

The healthy people who make the mistake of buying it and live and pay premiums for YEARS is how they can price it so low.

Believe me, they don't like us agents sending them the GI cases and they certainly don't want to pay us to do it. It throws their numbers off.

Insurance companies make the bulk of their cash flow from lapsed polices-- Very little overhead involved vs tangible producing manufactures

Isn't presidential a GI only co? They have to be making a profit or they wouldn't be in the business

Isn't profits really the bottom line?