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This is utter nonsense. LH policies are replaced all the time. They even have a division in the home office to fight replacements. They are the only company I know of that has an entire dept because of their business being replaced.
Newby has never replaced one of my LH policies but it's nice to know you are scared to death of us.
I would challenge you to prove that LH is growing. I also can't imagine that Sr Life is growing. They could be since I've never once run across one in 9 years of being an agent so 1 policy would be growth.
If they are growing why don't they have any rating with AM Best?
You can the talk the marketing BS all you want about keeping high priced policies on the books. It's still just marketing BS.
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You can sit in a garage for 10 years and it won't turn you into a Cadillac.
Maybe i do have reading comprehension problem but when you made the statement "I would challenge you to prove LH is growing". I gather that you are stating LH has not grown. maybe i misunderstood what you were implying. But if you are implying that they didnt grow you are not correct.
You also just made another claim. Stating you know the inner workings of a company that you only worked with for a very short period of time. This is very hard to believe. I have worked with them for 10 years and I am barley familiar with lincolns "inner" workings. Maybe i am miss reading this statement also. But it is very hard to believe an agent knows the inner workings of an insurance co