Selling for Equita

[rousemark]

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

Again, I ask.. Do you, 100% of the time, sell the cheapest premium available in your state?... If that premium were only available from a captive company, would you go captive to sell it?

I seriously doubt that Greg's primary motivation is the well being of the Powell's checkbook. His perhaps, but not theirs.

 

[GoCubsGo]

Image:

- - - - - - - - - - - - - - - - - -

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?

You say this bashing other forum members is disgusting then go on to bash Matt??

 

[rousemark]

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?...

My, my touchy aren't we?

 

[Justin Bilyj]

I didn't think pointing out forum etiquette was bashing, did you see any personal attacks?

 

[GoCubsGo]

I didn't think pointing out forum etiquette was bashing, did you see any personal attacks?

Ok, maybe it was just a scolding.

 

[Mattschmidt]

Every chance I get I offer the client the cheapest fe policy available. Depending on their health I pull out my final expense calculator including my senior life charts and let them decide which plan works best. Monumental or Americo or foresters ae American amicable or senior life. Let them decide if they want to spend 10rot 20 or 30 more per month with higher priced carriers. Why not shoe a client 50 carriers that they qualify for and let them pick which one they prefer. Why allow a captive agent sell them only one over priced carrier?..

 

[WinoBlues]

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?

You are correct. And no, most are not going to admit it. Not every 50+ plus person is insulin depended whit copd. Many would pass std underwriting.

 

[rapidrobert]

I didn't think pointing out forum etiquette was bashing, did you see any personal attacks?

You are completely correct. Matt goes way over the top, but the crowd here supports the aberrant behavior, so it's no use. But just FYI I agree with your obvious conclusion!

 

[jdeasy]

You are correct. And no, most are not going to admit it. Not every 50+ plus person is insulin depended whit copd. Many would pass std underwriting.

I offer then the best that I know about. I can't imagine that there is one out there of better value and I don't know about it.

Take SL for example, yes they do have this lower priced plan that is so difficult to qualify fr that the the person could get a fully underwritten plan and blow that SL plan away. Same for LH. They have that preferred plan that is fairly priced, but a person that could qualify for that can get a much, much better plan elsewhere.

I have the rates out there for every major player in the FE market and a few minor ones. If there is a company out there that can do better than what I can for them, I tell them about it. The only times it's ever an issue is with GI plans. I just tell them about MoO and move on. I write no ROP plans.

I have had clients chose to pay more for RNA because of their benefits over Foresters. Those all stay on the books as they made an informed choice.

When you run into people that have LH, SL, Bankers, Humana, Old American or State farm it is simply a matter of educating them. Most get really mad as the learning sinks in.

 

[SportsNut]

I offer then the best that I know about. >>>>

I have the rates out there for every major player in the FE market and a few minor ones. If there is a company out there that can do better than what I can for them, I tell them about it. The only times it's ever an issue is with GI plans. I just tell them about MoO and move on. I write no ROP plans.

It sounds like you do a very thorough job for your clients jd. From what I've read here, I would buy from you.