Pushing a Sale

[ra2783]

If someone has to have that kind of plan then MoO is far and away the best deal for them. I give them the number for MoO. Sometimes I have even called up MoO for them and helped them enroll. There is no way that I would put someone with Americo, Presidential, UHL or any of the other GI or ROP plans when I know what they can get with MoO. To me it's just not right. If it's right for other agents I don't bust on them for doing what they think is right.

JD,

What is it that MoO's product has to offer that you like? Their product is a ROP product if I remember correctly.

 

[jdeasy]

JD,

What is it that MoO's product has to offer that you like? Their product is a ROP product if I remember correctly.

I don't like it at all. But, it's far and away the best priced GI out there and it's a true GI.

It has to be bought straight from MoO is why I don't like it. For value to the client there is not a better option.
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JDEasy, it must be nice. You dont do graded, spwl or Annuities and you get 15 leads a week to work.

You are not the avg agent. Most of us still have to prospect, buy our own leads or do other methods.

I love selling SPWL. It is nice to make over 18k off of 1 case and to double the money they were going to leave someone. Tax free also.

I dont do many annuities. If someone wants one from me, I pass it to one of my agents.

I'm just bless not to have to need leads to make it.

You would have to have leads to make it as a final expense agent. You can be as pompous as you want, but you are not qualified to speak to how to run an FE business.

 

[bill3173]

You should always push hard for a sale, if it's needed for a bonus or trip, etc. If they decide they don't want it, they can always cancel.

You never know the good you may do, if you push for a sale, even thinking they may cancel. Had a case recently, where I insisted they buy the policy, months went by, and it's still an active policy, I get a call from them thinking Oshit, they meant to cancel, and now they want their money back. Instead, they ask me about their policy, etc. then I find out that they have a short life expectancy, and they want to go over the beneficiaries, etc. and to thank me for being an asshole and insisting they buy. It doesn't always work that way, but most people could use a little extra life insurance.

 

[Todd King]

I wouldn't mind selling a SPWL if the opprtunity arrose. It just doesn't present itself in the FE market. But, if I did run across someone that had $10,000 or so to put down on their funeral expenses now, I would not recommend a SPWL to them. I would recommend a preneed to them. I think preneed plans are great if you can for it upfront and have the gurantees that come from a true preneed. When I do run into those I send them to Newby. Where I do not agree with preneed is when a person has to make payments. I think they are better off with a whole life plan then and that's what I recommend. My clients seem to appreciate the honesty that I will tell them that, if they have the money now, buy the preneed and I will send you to an expert, but if you are going to make payments, I will take care of it.

If I ever run across someone that has $10,000 to $15000 to spend and not just dedicated to their funeral I will recomend a SPWL. That hasnt happened yet. I don't expect it will as that is just not what this market is about.

The thing about the SPWL is that it increase the estate value immediately. In other words, if they did put down 10K into a SPWL, then the policy will be more than that; say around 15K, for instance. Or maybe it's only 5K that they put in, but it buys them, say, 8K in coverage, maybe more.

I'm not sure the pre-need works quite that way. I'll have to defer to Newby on that one.

 

[WinoBlues]

You should always push hard for a sale, if it's needed for a bonus or trip, etc. If they decide they don't want it, they can always cancel.

You never know the good you may do, if you push for a sale, even thinking they may cancel. Had a case recently, where I insisted they buy the policy, months went by, and it's still an active policy, I get a call from them thinking Oshit, they meant to cancel, and now they want their money back. Instead, they ask me about their policy, etc. then I find out that they have a short life expectancy, and they want to go over the beneficiaries, etc. and to thank me for being an asshole and insisting they buy. It doesn't always work that way, but most people could use a little extra life insurance.

I read that and thought you were kidding. Then I read that you were not. How sad. This is the average FE agent in my area. The ones I run across anyway.

 

[jdeasy]

The thing about the SPWL is that it increase the estate value immediately. In other words, if they did put down 10K into a SPWL, then the policy will be more than that; say around 15K, for instance. Or maybe it's only 5K that they put in, but it buys them, say, 8K in coverage, maybe more.

I'm not sure the pre-need works quite that way. I'll have to defer to Newby on that one.

I agree. If that's what they are wanting to do then the SPWL would be good. If they are just wanted to lock in the funeral costs then the preneed would be the way to go.

 

[Todd King]

I agree. If that's what they are wanting to do then the SPWL would be good. If they are just wanted to lock in the funeral costs then the preneed would be the way to go.

Okay, I see where you're coming from now. I do agree on the lock-in, but I also think that maybe both should be presented and let them decide which fits them best.

 

[jdeasy]

Okay, I see where you're coming from now. I do agree on the lock-in, but I also think that maybe both should be presented and let them decide which fits them best.

The next time it comes up with one of my FE prospects I will ofer both.

 

[Mark]

You would have to have leads to make it as a final expense agent. You can be as pompous as you want, but you are not qualified to speak to how to run an FE business.

No, you have to have leads to make it as a final expense agent. That is not true for many other agents like myself out there. I can make my own leads and prospect.

It is funny that you think I'm not qualified to talk about F.E. I guess it because you dont know me. You are the final expert that dont even sell spwl or graded plans.

You have agents that can prospect for their business and make their own leads and then you have people that rely on someone else to sell them leads every week.

 

[jdeasy]

No, you have to have leads to make it as a final expense agent. That is not true for many other agents like myself out there. I can make my own leads and prospect.

It is funny that you think I'm not qualified to talk about F.E. I guess it because you dont know me. You are the final expert that dont even sell spwl or graded plans.

You have agents that can prospect for their business and make their own leads and then you have people that rely on someone else to sell them leads every week.

You're right that I don't know you. You change your story so much it's hard for anyone to know the truth.

You are not a fulltime FE agnet according to what you have posted here. You also do not have any fulltime FE agents working for you that are successful without leads.

You can't find a successful FE agent anywhere that does not use leads.

You just bash it because you are a recruiter that doesn't offer leads and you are trying discredit the ones that do. You are all about gimmicks.

I do know that you are a con man. I do know that you sold my info to a website sales group. You even denied that at first and then admitted it in private.

I also know from your posts here that you are clueless about the FE market even concerning yourself with nearest age hwne only one company does that and they are not worth wasting time on.

Then you go out and sell graded and ROP products to people that could get immediate coverage and pretend to know what you are doing.

You are simply trolling the final expense forum here for recruits. What you are is obvious to everyone that takes time to read your nonsense.