robertjrussell
New Member
Instead of selling health - I would recommend selling life insurance over the phone. Commissions are much higher and less competition to deal with.
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If you are only making $60 dollars then you might want to relook at what you are selling. STM's are very lucrative. There are a couple of other things to consider: 1. At the end of the six month period you have a new sale again. 2. You can add Dental or a CI plan to the sale. So much better then selling 0% plans . . .besides its the only thing available now unless your client has an SEP . . .the you had really better make it a combo sale or you are really doing missionary work. Glass half full . . .not half empty.
They also lie to these people
STM is a great scam-pay the agent/Upline 30% and up then pay no claims, companies like UHC are laughing all the way to the bank...
well there are occasions stm fits......got a lead that a pastor has a job opp. but the church wants him to have insurance as part of the job requirement..... healthy and no insurance for 3 years......
Better for whom? Policyholder or agent?
It's a real "sales" mindset..most of the people doing it don't give a fig about their clients. I had several subsidy eligible people, this year, that purchased an STM before speaking with me..very easy replacements.
They also lie to these people and tell them, that it is creditable coverage, that they get annual exam, and many other items free.
The time for giving a hoot when it come's to the client's best interest is over for IFP
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There is no such thing as an ACA Client. They are all temp customers at best.