Rate comparison, Lincoln Heritage and Senior Life

[theinsuranceman]

You again? LOL. Have you been able to borrow the $2000 yet? LOL. Let's try to break things down so you can understand simple english. Wait, are you an illegal Mexican and having problems understanding plain, simple english? LOL Just poking fun at you.

For the reputable source you ask about, how about I write a piece of business and prove to you that my advance is higher than $700? I could post it up here....what do you think?

Will that motivate you to ask your mother if you can borrow $2000? Ask Todd to help you cover the $2000. Better yet, Todd likes to play poker and so do I, so let's raise the stakes to $5000. If Todd doesn't have the cash maybe you could pool the bet with the monkey man and Rouse too. Will that work for you to put me to the test?

You don't seem to understand that Sr Life does not take charge backs out of advances, they're deducted from the pay thru. That way agents are paid daily based on production with ZERO deductions for charge backs.

It's very common for agents who have been with Sr Life a year or longer to have a higher max advance still with NO worries about charge backs eating up their advance. Most every agent I have interviewed over the years likes this feature a lot and wondered why other carriers didn't do this for their agents.

Also, if an agent wanted to get a 75% advance they can. It would be just like the other carriers in that charge backs are deducted from the advance. And the max household advance could be $2000. If they've been with Sr Life longer than a year the max advance can go over $2000 but then it would be dependent upon persistency.

You're just a hater and like to argue to make up for your lack of success. I can't lay this advance info out any simpler. The advance is left up to the manager. Sr Life can do anything like any other company when it comes to an advance.

NOW PUT UP YOUR $5000 (GET TODD'S, MONKEY MAN, ROUSE, AND OTHERS IF NEEDED TO HELP YOU SCRAPE UP $5000). THEN PUT ME TO THE TEST ON WHAT I'VE LAID OUT HERE.

THE BALL IS IN YOUR COURT.......LOL.

Hey titeye are you hiding? You challenged me and I'm ready to meet your challenge. You've gone silent from when you were pounding your chest up here the last few days.

Here's joke for you, don't know if it's funny, but your titeye name reminded me of it: I heard you had a girlfriend with 3 tits. She entered a wet T-shirt contest and won first and third place! LOL

 

[theinsuranceman]

Anyone seen Todd today? He never did answer the question in post #127 above. By golly if the Democrats can ask for Trump's tax return surely Todd's agents can ask him how much he's making off of their hard work....especially since he has no lead program, no deferred advances, NOTHING to help his agents for their hard work.

Todd what say you? Inquiring minds want to know.

 

[goillini52]

Anyone seen Todd today? He never did answer the question in post #127 above. By golly if the Democrats can ask for Trump's tax return surely Todd's agents can ask him how much he's making off of their hard work....especially since he has no lead program, no deferred advances, NOTHING to help his agents for their hard work.

Todd what say you? Inquiring minds want to know.

That testosterone boost you started taking seems to have kicked in.

 

[Todd King]

Todd, you finally arrived, what took you so long? You're such a hater too. Every time I post anything up here you do your best to discredit me. You do this because you are terrified you'll lose another agent.

Lose another agent. Oh, we've all lost agents. One thing for sure though, I've never lost an agent to you!

Todd you offer your agents NOTHING. No lead program, no deferred charge backs, nothing. At least Newby has a lead program and you don't. Why would an agent join you with no lead program when they could join Newby at same or better commissions who has a lead program? Newby has some top notch training and producers. What do you have? Nothing! (Newby no need to mail me a check I'm going to BUST Todd and titeye for 5 G's).

The fact that you even ask this question is just the start of how you are showing yourself to be ignorant in this post. We also have our top notch producers as well. We have agencies that have thier own trainers. Newby doesn't much deal with agencies.

You were even calling me up every couple months to see if I would write some business for your agency. I see why now. You lost one of your IMO contracts with a carrier because your agency is shrinking and you didn't meet production requirements. I have to believe your agency is still shrinking and you come up here to bad mouth to stop the bleeding? You know it's the truth.

That was pretty much a long time ago. I did tell you that when you wised up, you could come to me and I would treat you right. However, you never wised up. This is why I don't call you anymore. You have reached your potential.

Todd, we all know your kind. Remember when you posted a while back.....
"Ms. Jones I work for you. Not any one insurance company and I can give you one of the best deals out there. Screw the insurance companies. (Todd you are just a policy peddler). " What professional selling Ace would say "screw the companies"? The only people who say that verbiage are the ones who can't sell, so they grasp at straws.

I'm not a company man like you, so I wouldn't expect you to understand that in the least. Right over your head.

It's your kind who can't make it on there own and always have to throw off on some one or some company. You should be ashamed of yourself when you say things like "screw the insurance companies". You sound like an unsuccessful rookie talking.

I can't make it on my own uh? I wonder what I did for the 7 or 8 years before starting to recruit? You don't really know me or what I have done, but just keep letting yourself show your ignorance.

We're all in the FE industry. This is our living and we should respect each other and our profession more than for you to make these type statements. Just admit it Todd. You can't sell and there will always be haters and you're just one of them. Keep telling your same ole story.

Once again, if I couldn't sell I would not have survived this industry for the last 20 years. My story doesn't change because it is based on truth.

Another post of yours: Let me put it this one more way. It has always been my motto I'm there for the client/consumer. I am not there to promote any one company. Screw the companies! They make plenty of money with or without me and my clients.

If you could sell insurance and recruit properly you wouldn't be losing your IMO contracts. Heck if you were good enough you might be able to own your own insurance company and talk differently.

See, another instance of not knowing what you are talking about. The only contract we have ever lost is Settler's. That is because they became unsellable and unworkable and we stopped using them except for just a few agents who were sort of stuck with them. Then of course, they went out of business.

I really don't think that reflects badly on us as an IMO. You see, they wanted "Partners". Come to find out, their definition of that and mine are different. Once again, I'm not a company man.

BY THE WAY, SINCE YOU AND TITEYE THINK I'VE NOT TOLD THE TRUTH ABOUT SL ADVANCES, ETC. CAN YOU AND HIM SCRAPE UP THE $5000 FOR THE CHALLENGE THAT TITEYE ISSUED. HE'S BACKING DOWN BECAUSE HE DOESN'T HAVE THE 2 GRAND.

I'M CALLING YOU OUT TOO TODD. PUT YOUR $$$ WHERE YOUR MOUTH IS. IT'S TIME FOR YOU FORUM BULLIES TO PUT UP OR SHUT UP. COME ON! YOUR AGENTS, AND OTHERS, ARE LOOKING AT YOU! I'VE PUT MY $$$ UP!

IT'S SHOWTIME BABY! COME TO THE STAGE WITH ME!

I never said you were lying about that and I honestly could care less what SL gives or doesn't give. SL affects my business in 0 ways. When I said that you believe your own lies I was really referring to an ultimate one....You think having one company and being a company man is a good thing. The rest of the lies that you tell yourself stem from there.

Todd since you say do the right thing because it's the right thing to do, how much spread between your contract and your agents'contracts. You say you like to be transparent so let's see you prove it. Since you don't cosign for any leads nor charge backs your spread shouldn't be very much. Speak up! EVERYONE on this post is curious.

Please see the rest of the answers within your quoted post above.

As for the last part. IMO's/FMO's arent really supposed to talk about such things, and it really doens't matter. As long as we give street and above contracts that is what matters.

You see Greg, it doesn't matter if we are making 5%, or 50% overwrite. We still give the agent the best that we can.

Now, the next time you want to come at me...think about the facts before you make yourself out to be a fool yet again.

 

[PA Bill]

Hey titeye are you hiding? You challenged me and I'm ready to meet your challenge. You've gone silent from when you were pounding your chest up here the last few days.

Here's joke for you, don't know if it's funny, but your titeye name reminded me of it: I heard you had a girlfriend with 3 tits. She entered a wet T-shirt contest and won first and third place! LOL

You say his girlfriend having three tits like it's a bad thing.

 

[theinsuranceman]

You say his girlfriend having three tits like it's a bad thing.

LOL. I never said it was bad. I even complimented her...she won 1st and 3rd place!

 

[theinsuranceman]

Please see the rest of the answers within your quoted post above.

As for the last part. IMO's/FMO's arent really supposed to talk about such things, and it really doens't matter. As long as we give street and above contracts that is what matters.

You see Greg, it doesn't matter if we are making 5%, or 50% overwrite. We still give the agent the best that we can.

Now, the next time you want to come at me...think about the facts before you make yourself out to be a fool yet again.

Todd you're so full of sheet it's running down the corners of your mouth...lol. You don't need to tell your agents your commission level. Tell us how much spread you have over them. You wanted to insult me and put me on the spot up above and now I'm putting the spotlight on you. What's the spread?

If you say you're giving them the best you can then your spread must be 2.5% or 5%? Some carriers may have production requirements and your hands are tied. That's silly on that carrier since you would be cosigning all their advances. Sr Life doesn't tie my hands like that. Titeye yapping earlier about SL's max household advances doesn't cost the agents $$$. But your carriers that limit commission % do cost your agents $$$!

If you were cosigning their advances and putting their charge backs on their pay thru rather than their advances, and cosigning for them to get leads on credit then I would expect your spread to be different. Since you offer neither of these 2, nor anything else for your agents, you must be around 5%? Tell us...do the right thing because it's the right thing to do. That's your tag line in your avatar's signature.

You accused me of lying above and I've offered to prove you, tit eye, and anyone else that the info you and tit eye spewed is false.

Todd, I will say again everything about your character and ethics is summed up by you in your own words "screw the insurance companies". Winners don't talk this way.

Enough said.

I INVITE ALL YOUR AGENTS TO CALL ME SOMETIME AND LET'S COMPARE NOTES. THEY MAY LIKE WHAT I CAN OFFER THEM. THEY MAY LIKE THE SUPER-PREFERRED RATES, GUARANTEE ISSUE FOR AGES 0-85, LEAD FINANCING WITH FRESH EXCLUSIVE LEADS COMING DIRECTLY FROM THE CARRIER, COMPLETE FIELD TRAINING, 3 TRAINING CALLS PER WEEK, HAVING A CARRIER TO ANSWER THE PHONE RATHER THAN GOING TO SOMEONE'S VOICE MAIL, GROUP HEALTH, TERM, CANCER , AND DISABILITY, TV LEADS JUST A FEW MIN. OLD, FACEBOOK LEADS EMAILED IN REAL TIME, AND LOTS MORE! You don't offer any of this for your agents do you? Maybe you should go visit the home office and chat with the President or Vice-President sometime so you can offer these same things for your agents.

You should have never insulted me when I'm having a discussion with someone else that did not involve you in any way.

 

[PA Bill]

LOL. I never said it was bad. I even complimented her...she won 1st and 3rd place!

Fair enough, but who won second? Her dick? I kid, I kid!

 

[goillini52]

You say his girlfriend having three tits like it's a bad thing.

Total Recall.

 

[Todd King]

Todd you're so full of sheet it's running down the corners of your mouth...lol. You don't need to tell your agents your commission level. Tell us how much spread you have over them. You wanted to insult me and put me on the spot up above and now I'm putting the spotlight on you. What's the spread?

If you say you're giving them the best you can then your spread must be 2.5% or 5%? Some carriers may have production requirements and your hands are tied. That's silly on that carrier since you would be cosigning all their advances. Sr Life doesn't tie my hands like that. Titeye yapping earlier about SL's max household advances doesn't cost the agents $$$. But your carriers that limit commission % do cost your agents $$$!

If you were cosigning their advances and putting their charge backs on their pay thru rather than their advances, and cosigning for them to get leads on credit then I would expect your spread to be different. Since you offer neither of these 2, nor anything else for your agents, you must be around 5%? Tell us...do the right thing because it's the right thing to do. That's your tag line in your avatar's signature.

You accused me of lying above and I've offered to prove you, tit eye, and anyone else that the info you and tit eye spewed is false.

Todd, I will say again everything about your character and ethics is summed up by you in your own words "screw the insurance companies". Winners don't talk this way.

Enough said.

I INVITE ALL YOUR AGENTS TO CALL ME SOMETIME AND LET'S COMPARE NOTES. THEY MAY LIKE WHAT I CAN OFFER THEM. THEY MAY LIKE THE SUPER-PREFERRED RATES, GUARANTEE ISSUE FOR AGES 0-85, LEAD FINANCING WITH FRESH EXCLUSIVE LEADS COMING DIRECTLY FROM THE CARRIER, COMPLETE FIELD TRAINING, 3 TRAINING CALLS PER WEEK, HAVING A CARRIER TO ANSWER THE PHONE RATHER THAN GOING TO SOMEONE'S VOICE MAIL, GROUP HEALTH, TERM, CANCER , AND DISABILITY, TV LEADS JUST A FEW MIN. OLD, FACEBOOK LEADS EMAILED IN REAL TIME, AND LOTS MORE! You don't offer any of this for your agents do you? Maybe you should go visit the home office and chat with the President or Vice-President sometime so you can offer these same things for your agents.

You should have never insulted me when I'm having a discussion with someone else that did not involve you in any way.

"If you say you're giving them the best you can then your spread must be 2.5% or 5%? Some carriers may have production requirements and your hands are tied. That's silly on that carrier since you would be cosigning all their advances. Sr Life doesn't tie my hands like that. Titeye yapping earlier about SL's max household advances doesn't cost the agents $$$. But your carriers that limit commission % do cost your agents $$$!

If you were cosigning their advances and putting their charge backs on their pay thru rather than their advances, and cosigning for them to get leads on credit then I would expect your spread to be different. Since you offer neither of these 2, nor anything else for your agents, you must be around 5%? Tell us...do the right thing because it's the right thing to do. That's your tag line in your avatar's signature."

For anything outside of SL, you truely are ignorant of other companies and practices aren't you? You are grasping at straws in order just to "call me out". You are failing tremendously! I have no more time to argue with you about this as I like an intellegent argument.

It's okay that you don't understand and comprehend, but just don't keep acting like you do. It only serves to show how little you do know outside of SL.