Selling for Equita

[jdeasy]

Good question. My Co. provides me with:

1. Super preferred
2. Preferred
3. Standard
4. 20 Pay
5. 10 Pay
6. Joint Whole Life
7. Modified Whole Life
8. Easy Issue
9. Guarantee Issue
10. Cancer Policy (I've never even looked at this one).

Each app has its own set of health questions.

Ages 0-85 can be written. This is more than anything I need in the FE arena. Charge backs are NOT deducted from my next advance comm., they're deducted from the UN-advanced comm. I also like the fact that the CEO and the President of the Co. have many years experience selling FE themself. (With some companies you can call the home office and no one has ever sold anything).
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I see....which part was NOT jibberish? So sorry your comprehensive skills are not up to par. You sound/smell like one of those negative EFES guys. May God bless you!

And by the way......why don't you add something worthwhile to this discussion instead of just adding insults? (And don't tell me it's because your comprehensive skills are weak).

He is not an EFES guy, nor is he negative. But, I do knda like the fact that you are so insecure about us.

And, it was mostly jibberish. I replace your high priced policies all the time. I love to to run into LH and SL policies. Tham, Bamkers, Old American and State farm. I bet they all have easy apps too?

 

[theinsuranceman]

He is not an EFES guy, nor is he negative. But, I do knda like the fact that you are so insecure about us.

And, it was mostly jibberish. I replace your high priced policies all the time. I love to to run into LH and SL policies. Tham, Bamkers, Old American and State farm. I bet they all have easy apps too?

Insecure? Do I really sound insecure about you or anyone else on this forum?

You know, you come across much better when you offer something constructive, rather than destructive, on this forum.

The way you are always attacking me I believe YOU are the one who is insecure....LOL!!!

 

[Guest]

Hi,

Does anyone know which insurance carriers for final expense offer the best leads for the money? Any advice on who to contract with?

 

[senior-advisor-indiana]

Thanks JD, I didn't think I was being negative either. I just asked a simple question in hopes of a simple answer....

 

[Newby]

Hi,

Does anyone know which insurance carriers for final expense offer the best leads for the money? Any advice on who to contract with?

Sounds like Lincoln Heritage has all the tools you need according to this thread.

Are you in Indiana?

 

[rousemark]

For final expense and if both companies are a rated and come with the same bells and whistles absolutely. Why would you not do this for your client ??

You didn't answer my question.. Do you always give the client the lowest possible premium no matter if you are contracted with the company providing it or not?

 

[GoCubsGo]

I think he did in post no 55. He said "Absolutely"

 

[rousemark]

I think he did in post no 55. He said "Absolutely"

No.. He qualified his answer with a bunch of ifs. But my point is this. I know of no agent that gives the client the absolute best premium every time because none of us are licensed with every company in our jurisdictions. We may give them the best premium available among the companies with which we are contracted but that is as far as it goes.

Greg may choose to limit himself more than some of the Indy's on here but the gives them the best premium he has available.

If they are honest with their assertions, I would say most Independent agents can't even claim they give the best premium available. They let other considerations influence their decision such as ease of underwriting , policy owner service and even commission.

Not long ago, some agents were posting they wouldn't write Monumental even if they had the best premium because of problems with policy issue. Is this not denying teh client the "best" premium?

Often a fully underwritten policy will be much cheaper and the insured is willing to take and able to pass a physical but the FE agents don't offer the fully underwritten plans because they want a simplified process with fast issue and fast commission. How is that any different than what Greg is being accused of?

 

[Mattschmidt]

Greg sells the company that pays him more. Other companies would insure the same a individual for a lesser premium but Greg sells them a more expensive plan as it pays the powells more and not save the client money. Typical captive agent
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You didn't answer my question.. Do you always give the client the lowest possible premium no matter if you are contracted with the company providing it or not?

Just answers your question. I do not care which company a client qualifies for as long as its an a rated company with thr same bells and whistles. That's why we offer 50 plus companies. How many do you offer little boy?...

 

[Justin Bilyj]

this bashing the other forum members is getting disgusting...completely turns me off of wanting to read the threads...

Matt your new, what are you doing making fun of people already...
put in your time before resorting to making fun of people, better yet, just stop doing that altogether.
Do you think you are providing value?