Quick Sales Tip

[WinoBlues]

You don't work this demographic. So you don't realize just how cutthroat it is.

I have worked the poorest of the poor demo. did well with it. Just did not like it. To much service work and people that do not do or even mean what they say. I still have many great client in it I just have not looked for that demo in years. And you are correct, I met some of the biggest shisters doing it. Second only to some Annuity Only agents. Nowhere near all of them, but enough to take notice. Mostly revolving around replacing policies.

But as far as tattling to mommy DOI? Just has never been who I am. I would suspect that agent ran off to teacher early in life also. Or reports post here. Usually, someone that picks a fight then starts sniveling when smacked. There were some local agents that I have sat across the table with many times undoing their damage. I might disparage them and their dog, But never call the DOI.

I have helped many insurance customers and clients call the company of the replacing agent to get stuff reversed, and charge back to the agent. So I guess that is kinda tattling. And many of those were not replacing one of my policies. I am rarely replaced and virtually never 1st year replaced.

Of course, I am winding down now and only work request. So that is completely different than hunting. More farming and tending.

But you are completely wrong that the death benefit can be assessed. So I would not give that false information to clients. But agents like you have done that. They have paid dearly for making such claims.

Maintenance of Reserve - Can you explain how that works and if exercised it's relationship to CVs and DB please? I may have it wrong.

How have the wrongdoing agents paid dearly? Loss of license or big fines?

For clarification - none of this is meant to be argumentative.

 

[Todd King]

I don't have to look to find any foolishness from you.

And you think you called Travis out in the tread? Or corrected him? Are you really that delusional?

As for your writing FE business, you're right, I don't know. And that's what I've said. And it is my opinion of seeing what you post about the FE business for the last 14 plus years that you were never a producer. And I have asked you to prove me wrong. Just name one FE reward trip you ever earned on personal business. That's easy to verify if you ever did it.

I give you every bit of respect that I think you have earned. You sent a PM pretending to be the spokesman of the forum and called me an asswipe. I still have it if you want to weasel out. I also still have my response which would be the same as today. I don't give a shit what you think nor any of the cowards that appointed you their spokesmodel.

You constantly lie about me and misquote me. You constantly engage in character assassination.

And what I think of you has nothing with what you did or did not do or say to Travis.

I can't even remember anything Travis might has said to you. But you are so easily offended it could have been anything. Maybe he didn't "like" you posts enough? That really sends you over the edge.

Looks like most of the agents in that tread you brought up are out of the business now. Wonder why? They were all such experts.

I tried, but as can plainly be seen here by everyone, asswipes will remain asswipes!

 

[rousemark]

I have worked the poorest of the poor demo. did well with it. Just did not like it. To much service work and people that do not do or even mean what they say. I still have many great client in it I just have not looked for that demo in years. And you are correct, I met some of the biggest shisters doing it. Second only to some Annuity Only agents. Nowhere near all of them, but enough to take notice. Mostly revolving around replacing policies.

But as far as tattling to mommy DOI? Just has never been who I am. I would suspect that agent ran off to teacher early in life also. Or reports post here. Usually, someone that picks a fight then starts sniveling when smacked. There were some local agents that I have sat across the table with many times undoing their damage. I might disparage them and their dog, But never call the DOI.

I have helped many insurance customers and clients call the company of the replacing agent to get stuff reversed, and charge back to the agent. So I guess that is kinda tattling. And many of those were not replacing one of my policies. I am rarely replaced and virtually never 1st year replaced.

Of course, I am winding down now and only work request. So that is completely different than hunting. More farming and tending.



Maintenance of Reserve - Can you explain how that works and if exercised it's relationship to CVs and DB please? I may have it wrong.

How have the wrongdoing agents paid dearly? Loss of license or big fines?

For clarification - none of this is meant to be argumentative.

Death benefits with fraternals can be assessed. I have posted the letter where Royal Arcanum is reducing (assessing) DB many times.

Here is the relevant part:

The 25% assessment on your life insurance policy or annuity has become permanent, and Royal Arcanum has assumed your policy at this 25% discount. This means that claims payments on life insurance policies and policy and annuity surrenders will be reduced by 25%. The only annuities not reduced by 25% are tax-qualified annuities (e.g. annuities held in an Individual Retirement Account).

 

[WinoBlues]

Death benefits with fraternals can be assessed. I have posted the letter where Royal Arcanum is reducing (assessing) DB many times.

Here is the relevant part:

The 25% assessment on your life insurance policy or annuity has become permanent, and Royal Arcanum has assumed your policy at this 25% discount. This means that claims payments on life insurance policies and policy and annuity surrenders will be reduced by 25%. The only annuities not reduced by 25% are tax-qualified annuities (e.g. annuities held in an Individual Retirement Account).

So, is the premium reduced? Is the surrender value reduced also?

 

[Jccwell]

Tattling to mommy DOI? God, there are some childish agents out there.

Do you not believe it is our duty as representatives of the insurance industry and as representatives of these carriers to ensure bad agents are held accountable? What's wrong with notifying the DOI when agents are are lying and taking advantage of folks? By doing so, we're protecting clients, carriers, and the insurance industry as a whole.

 

[jdeasy]

I have worked the poorest of the poor demo. did well with it. Just did not like it. To much service work and people that do not do or even mean what they say. I still have many great client in it I just have not looked for that demo in years. And you are correct, I met some of the biggest shisters doing it. Second only to some Annuity Only agents. Nowhere near all of them, but enough to take notice. Mostly revolving around replacing policies.

But as far as tattling to mommy DOI? Just has never been who I am. I would suspect that agent ran off to teacher early in life also. Or reports post here. Usually, someone that picks a fight then starts sniveling when smacked. There were some local agents that I have sat across the table with many times undoing their damage. I might disparage them and their dog, But never call the DOI.

I have helped many insurance customers and clients call the company of the replacing agent to get stuff reversed, and charge back to the agent. So I guess that is kinda tattling. And many of those were not replacing one of my policies. I am rarely replaced and virtually never 1st year replaced.

Of course, I am winding down now and only work request. So that is completely different than hunting. More farming and tending.



Maintenance of Reserve - Can you explain how that works and if exercised it's relationship to CVs and DB please? I may have it wrong.

How have the wrongdoing agents paid dearly? Loss of license or big fines?

For clarification - none of this is meant to be argumentative.

Death benefits and premiums are guaranteed in writing.

Agents claiming differently have had their licenses and or paid fines. In one case I know of an agent was termed for cause because he trashed fraternals to replace. With a fraternal.

I don't know why they bothered to term him. He was too stupid to last long anyway.

 

[jdeasy]

I tried, but as can plainly be seen here by everyone, asswipes will remain asswipes!

I agree with you. It's plain to see. Maybe I should like that one?

 

[rousemark]

So, is the premium reduced? Is the surrender value reduced also?

The premium is not reduced but all policy values are. If the premiums were reduced, it would not help the company out of a financial shortfall.

 

[rousemark]

Death benefits and premiums are guaranteed in writing.

Agents claiming differently have had their licenses and or paid fines. In one case I know of an agent was termed for cause because he trashed fraternals to replace. With a fraternal.

I don't know why they bothered to term him. He was too stupid to last long anyway.

The power of assessment is guaranteed in writing also.

 

[goillini52]

I agree with you. It's plain to see. Maybe I should like that one?

I dare you.