Pushing a Sale

[2001mason]

Good info on this thread, thanks!

 

[Mark]

Yes, I only sell part time. I'm still able to sell more insurance than most. I dont have to prove myself to you, but many on this forum has seen my numbers.

Yes, I have lots of agents that sell without leads. They make their own leads or prospect.

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

You truely beleive this. A lot of agents can produce their own leads. I'm sorry you can't.

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.

We are not a lead company, but we do offer several different lead options. We offer telemarking leads $20, Direct Mail leads $340 per 1,000, auto dialers, data plans, aged leads and everything thing else other IMOS offer.

Talking about Recruiting, 90% of every post you have on here has EFES on it. You are their biggest recruiter.


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 have lots of list of agents, and yes time to time I sell them. I did give a list to a website making company. You will find that I give list to lots of people on this forum and other groups.

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.

I know you cant count now. Go back and look at that post. Let me name two to prove you wrong. AA and UHL both do. That is two in case you are counting.

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.

Are you saying that people that have had heart attack, stroke and Cancer can get Immediate Coverage? You are a F.E. Expert? You did say you never sold these types of policies.
[/quote]

 

[jdeasy]

Yes, I only sell part time. I'm still able to sell more insurance than most. I dont have to prove myself to you, but many on this forum has seen my numbers.

Yes, I have lots of agents that sell without leads. They make their own leads or prospect.

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

You truely beleive this. A lot of agents can produce their own leads. I'm sorry you can't.

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.

We are not a lead company, but we do offer several different lead options. We offer telemarking leads $20, Direct Mail leads $340 per 1,000, auto dialers, data plans, aged leads and everything thing else other IMOS offer.

Talking about Recruiting, 90% of every post you have on here has EFES on it. You are their biggest recruiter.


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 have lots of list of agents, and yes time to time I sell them. I did give a list to a website making company. You will find that I give list to lots of people on this forum and other groups.

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.

I know you cant count now. Go back and look at that post. Let me name two to prove you wrong. AA and UHL both do. That is two in case you are counting.

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.

Are you saying that people that have had heart attack, stroke and Cancer can get Immediate Coverage? You are a F.E. Expert? You did say you never sold these types of policies.

[/quote]

AA does not use nearest age on their FE. You simply do not know what you are talking about. Nor did I say I never sold any graded. You are just out and out lying now.

And, yes I do believe that there is not a successful FE agent out there that does not use leads. If you say that you have one it's simply not the truth.

And, yes, people that have had heart attacks, stokes and cancer can, and do, get immediate coverage. I wrote one yesterday. The lady had previously had a heart attack. She had previously had cancer and was a diabtic. 78 years old and was approved for immeiare coverage. Happens all the time.

 

[xrac]

JD and Mark should this thread go to the fight club?

 

[Mark]

Why? I really don't get that. I hate to sell anything but immediate coverage. I will sell a bit of graded. I do not sell any ROP stuff. I refer all those people to MoO if they have to have GI.

I know you're not an FE guy, so that may explain it. But sitill, graded as a favorite??

Here is where you said you only sell a bit of graded, so when I said you dont sell graded really this is correct. Remember you hate selling it.

I will also work on a list of companies that use age nearest birthday to prove there is more than one. Here are two more. Transamerica & Columbian Mutual. You are right about AA last bday on F.E.

You can try and twist my words all you want to. Again a lot of agents create their own leads or prospect still.

It is okay that you think there are no successful agents out there that don't do what you do and get leads from an IMO.

What company will give someone that had a heart attack, stroke or cancer , lets say last week Immediate Coverage? There are a lot of companies that will take someone if it has been years. NOTICE I SAID IN MY POST, people that just had these conditions is who I help.

There are going to be lots of things we disagree on and that is okay with me. Like when you said RNA is cheaper than Foresters and I ran the quotes for everyone.

Most of your post have EFES in it. You are the biggest recruiter for them.

This is your avg post on here.

EFES has several buy in options. I think they have one for less than $150. I'm not sure about that, though.



You can recruit thru EFES and have agents under you that are on the lead program or not on the lead program. Even if you wanted to recruit I would wait until I had good personal production that was sustainable and learned the EFES system inside and out.



The training with EFES is second to none. And, it's all free. The EFES university has audio trining from the top agents on everything from setting appointments, to doorknocking, to handling objections, to presentations, to individual company niches to just about anything you could ask.



They have "plug and learn" calls every tues and thurs where the top agents in the company share ideas and then have a question and answer period. Those calls are also recorded and put into the university in case you can't get on them while they are live.



EFES is vested in your production from day 1 as they are paying for a large part of your leads. If you don't produce they lose even more money. They not only want you to succeed, they need you to succeed.



But, and this is a huge BUT, the EFES lead program is not for a part time FE agent or for someone that just wants to dabble in FE to see how it shakes out. The EFES system is designed and managed for the fulltime FE agent. If FE is your career then EFES is a great partner to have. If you try to short the system it will come crashing down on you.

Most of all your post it talking about how great EFES is and recruiting for them. I can understand why you dont like me and want others to people they need to do what you do to be successful.

 

[JimmyUt]

What I hate are all the agents ( or maybe just 1) who are such whiney little cry babies that they have to call insurance companies and tattle on agents who may have a realistic opinion of their products and practices.Some people need to mind their own business. Take off your damn kneepads already. Don't you have some recruiting to do?? All those thousands of agents you have?!? That appears to be your sole purpose here.

 

[rousemark]

Today I pulled up to a house that is probably worth at least half a million with an Escalade in front. I pretty much knew my odds of selling a FE policy to them was slim to none. I'm new to the business, so I'm not in the position to offer some of the other products mentioned by other posters.

When I entered the business, Industrial (weekly premium) insurance was still being written. The maximum industrial policy NL&A would issue at that time was $1500.00. We had an agent in our office that wrote a lot of these policies on upscale clients. His approach was simple,
"When you die, the funeral home is either going to want cash or they are going to want your wife or children to assign a life insurance policy to the funeral home. How much insurance you have is really none of their business and you don't want your family to have to assign your $100,000 policy. What you can do is carry this small policy in the amount of $1500.00 which is enough to pay for an average funeral. Your family can assign it to pay for the funeral and your primary policy remains intact without everybody knowing what you had."

Didn't know if this would still work but a couple of weeks ago, I was involved with helping a couple with the arrangements for the wife's step father. The first thing the funeral home asked for was a policy assignment. Later, when they were talking about it, I asked if they thought it might be a good idea if they had a "funeral assignment policy. " Even though they each already had $250,000 ULs plus heir group term, they decided they would like to have an additional policy in the amount of $15,000 on each of them. Guess the old ways still work after all.

 

[WinoBlues]

I like that. May not work in all cases of course, but good to have in the mental bag.

When I entered the business, Industrial (weekly premium) insurance was still being written. The maximum industrial policy NL&A would issue at that time was $1500.00. We had an agent in our office that wrote a lot of these policies on upscale clients. His approach was simple,
"When you die, the funeral home is either going to want cash or they are going to want your wife or children to assign a life insurance policy to the funeral home. How much insurance you have is really none of their business and you don't want your family to have to assign your $100,000 policy. What you can do is carry this small policy in the amount of $1500.00 which is enough to pay for an average funeral. Your family can assign it to pay for the funeral and your primary policy remains intact without everybody knowing what you had."

Didn't know if this would still work but a couple of weeks ago, I was involved with helping a couple with the arrangements for the wife's step father. The first thing the funeral home asked for was a policy assignment. Later, when they were talking about it, I asked if they thought it might be a good idea if they had a "funeral assignment policy. " Even though they each already had $250,000 ULs plus heir group term, they decided they would like to have an additional policy in the amount of $15,000 on each of them. Guess the old ways still work after all.

 

[FinalXman]

JD,

Please reply with the the three reasons you refer to in this post.

Thanks,

[email protected]

I tell everyone on our training calls and other agents that I talk to privately the same thing when they ask what my secret is.

There really are no secrets, but if I have one for selling FE to the FE market, it's knowing the market.

Most agents dabble in FE and do not have a clue about the FE market. These folks are not single premium buyers, they are not annuity buyers and they are not preneed buyers.

The people sending in the reply cards are world class procrastinators. They did not get to be 65 to 85 years ols and not have their funerals taken care of because they have been good planners and/or good with their money.

Now, will occasionally the exception fill out a reply card? Yes, but it's still occasional.

The very first thing I do when I walk into any home is find out why they mailed the card in. I tell that we find there is one of 3 reasons and I go over those. If they cannot tell me why the card was sent in I do not give a presentation in that home. I thank them for theor time, give them my card and leave.

Sometimes I do discover that they are really good prospects for preneed. I don't do preneed, so I refer them to Newby. He is an expert in that field and I am not.

You cannot really "sell" anything in the FE market. You can fill a need and want. But, you cannot do that unless there is a need/want there in the first place.

There is a phase I heard Travis Tubbs say once, "if you chase two rabbits both will go away".

 

[GoCubsGo]

JD,

Please reply with the the three reasons you refer to in this post.

Thanks,

[email protected]

Look up to post #18. JD lists the 3 reasons there.