Senior Life Insurance Company Info

He made the 1st attempt to contact someone about FE. He lives in my state. Heck, he lives about an hour's drive away. He even specifies "fellow North Carolinians". So I replied. If I made the 1st attempt to contact him then you'd be correct.

Since you are so sharp find one, just one, instance of me doing some aggressive recruiting on this forum the last 2 yrs.

That should keep you occupied for awhile.
Don't you have some leads you could be calling?

For the record, if I wanted to recruit aggressively on this forum I would. And, there's absolutely nothing you could do about it. Absolutely nothing.



Why pretend to not recruit when it's obvious that you do? Are you ashamed of it?

But, I don't want to stop you from recruiting. In fact, I wish you would recruit more. Especially in western Ky and Southern Indiana.

I ddidn't have to look far to find an instance of your recruiting. You recruit everywhere all the time. That's why the person asked for a viewpoint from solmeone at SL with more then 6 months experience that doesn't recruit.

That's as rare as hen's teeth. You have now been called out by TK, no less. Only you could manage to get on the bad side of him.
 
Why pretend to not recruit when it's obvious that you do? Are you ashamed of it?

But, I don't want to stop you from recruiting. In fact, I wish you would recruit more. Especially in western Ky and Southern Indiana.

I ddidn't have to look far to find an instance of your recruiting. You recruit everywhere all the time. That's why the person asked for a viewpoint from solmeone at SL with more then 6 months experience that doesn't recruit.

That's as rare as hen's teeth. You have now been called out by TK, no less. Only you could manage to get on the bad side of him.

If that causes me to be on his bad side, he has pretty thin skin to be an insurance agent/recruiter. Did he tell you I'm on his bad side?

You seem to like picking at me. The only reason I can think of is you feel threatened about having the top perch in the FE arena on this forum. Relax, I'm not a threat to you. If I wanted the top perch I'd take it from you without too much difficulty.
 
If that causes me to be on his bad side, he has pretty thin skin to be an insurance agent/recruiter. Did he tell you I'm on his bad side?

You seem to like picking at me. The only reason I can think of is you feel threatened about having the top perch in the FE arena on this forum. Relax, I'm not a threat to you. If I wanted the top perch I'd take it from you without too much difficulty.

You have a very high opinion of yourself.:D

Good you do because you are the only one that does.
 
You have a very high opinion of yourself.:D

Good you do because you are the only one that does.[/quote]

If you only knew the agents from this forum who call me, and read some of the posts other agents have made about closing techniques that I've shared up here, you would see the error of your ways.

Yes, I do have a high opinion of myself and I also have high opinion of you.
 
No Greg, you're not on my bad side. I was just pointing out to Debbi that she hasn't, and probably won't, get her question answered from a SL agent.

Heck, you didn't even answer her question about persistency. I didn't expect you would answer the question anyway because you are a recruiter and not just an agent. I was only pointing out that she will go blind looking on here for a qualified agent with SL that could truthfully and honestly answer her question.
 
Senior Life has some of the highest rates and most restrictive underwriting in FInal Expense. Selling over the phone can be a plus but it is (for me) much easier to close face to face. The TV leads are comparable in success ratio to direct mail, but you lose control over setting the demographics. I got a lot TV leads with no checking accounts.

If the big appeal for you is selling over the phone there are other carriers that will do that such as Amercian COntinental and Foresters. I found AmCon easier to work with.
 
No Greg, you're not on my bad side. I was just pointing out to Debbi that she hasn't, and probably won't, get her question answered from a SL agent.

Heck, you didn't even answer her question about persistency. I didn't expect you would answer the question anyway because you are a recruiter and not just an agent. I was only pointing out that she will go blind looking on here for a qualified agent with SL that could truthfully and honestly answer her question.

I certainly did answer her question about persistency. No one can make a blanket statement about persistency. You should well know, with your experience, that persistency varies quite a bit from agent to agent within the same Co., and also varies from Co. to Co. within the same market.

If she is looking for the Co. wide ave. then I have no idea. If an agent calls a Co.'s headquarters requesting persistency info the agent will need to be specific. Meaning..a Co. will have an actuary persistency which is used in profitability calculations. Then that same Co. will have a different persistency %, using that exact same data along with a different formula
to show agents for recruiting purposes, newsletter, etc. You'll also find the actuary % is always lower.

If I felt I could make more PROFIT writing with another FE Co. I would already be at that Co. Every single Co. out there will have:

_Ex-agents who were unsuccessful bad mouthing the Co., their mgr., the leads, the underwriting..anything except themself.

_Agents who never wrote for a particular Co., (SL for ex.) yet they have all the "insider knowledge" of how things are. Their only source is heresay.

_I know for a fact that a lot of the producers at SL have looked at this forum, with only a few engaging in dialogue on here. The general consensus is that there a lot of FE cry babies on here, along with a lot of negativity. Most successful agents, whether with SL or another Co., don't hang around negative places nor waste hours up here each day. Probably you, JD, Newby, Reardon, myself and a few others are the exception to this rule.

_If a Co. like SL or Linc. Her., who have higher rates with looser underwriting and pay agents quickly without the usual underwriting hang ups, , could not succeed with this biz model I believe they would have abandoned this biz model years ago, don't you?
 
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I certainly did answer her question about persistency. No one can make a blanket statement about persistency. You should well know, with your experience, that persistency varies quite a bit from agent to agent within the same Co., and also varies from Co. to Co. within the same market.

If she is looking for the Co. wide ave. then I have no idea. If an agent calls a Co.'s headquarters requesting persistency info the agent will need to be specific. Meaning..a Co. will have an actuary persistency which is used in profitability calculations. Then that same Co. will have a different persistency %, using that exact same data along with a different formula
to show agents for recruiting purposes, newsletter, etc. You'll also find the actuary % is always lower.

If I felt I could make more PROFIT writing with another FE Co. I would already be at that Co. Every single Co. out there will have:

_Ex-agents who were unsuccessful bad mouthing the Co., their mgr., the leads, the underwriting..anything except themself.

_Agents who never wrote for a particular Co., (SL for ex.) yet they have all the "insider knowledge" of how things are. Their only source is heresay.

_I know for a fact that a lot of the producers at SL have looked at this forum, with only a few engaging in dialogue on here. The general consensus is that there a lot of FE cry babies on here, along with a lot of negativity. Most successful agents, whether with SL or another Co., don't hang around negative places nor waste hours up here each day. Probably you, JD, Newby, Reardon, myself and a few others are the exception to this rule.

_If a Co. like SL or Linc. Her., who have higher rates with looser underwriting and pay agents quickly without the usual underwriting hang ups, , could not succeed with this biz model I believe they would have abandoned this biz model years ago, don't you?

I agree with most of what you said there. I know one guy that says the average income of posters on this forum is about $20,000/yr. That's his opinion, of course, but it is formed by much of what you said. He is a recruiter that gets many, many calls from here.

I do disagree that this forum is negative. This forum has been a Godsend for me. I met Newby through this forum even though we worked the same area for years. Meeting and doing business with Frank Statsny is one of my greater joys of being in this business. I met him through the forums.

There are many, many agent that I have learned a great deal from by being a part of this forum. I'm not going to start nameing names because I will leave someone out. Most I've never met in person but the ones I have, xrac, newby, scottfree, Quatros, Travis, Jimmy H and others, have been life changers.

If olne sees this forum as negative then maybe they should take a hard look at themselves. It's been anything but negative for me. I can say positively that I am a better agent today because of participating in this forum.
 
I agree with most of what you said there. I know one guy that says the average income of posters on this forum is about $20,000/yr. That's his opinion, of course, but it is formed by much of what you said. He is a recruiter that gets many, many calls from here.

I do disagree that this forum is negative. This forum has been a Godsend for me. I met Newby through this forum even though we worked the same area for years. Meeting and doing business with Frank Statsny is one of my greater joys of being in this business. I met him through the forums.

There are many, many agent that I have learned a great deal from by being a part of this forum. I'm not going to start nameing names because I will leave someone out. Most I've never met in person but the ones I have, xrac, newby, scottfree, Quatros, Travis, Jimmy H and others, have been life changers.

If olne sees this forum as negative then maybe they should take a hard look at themselves. It's been anything but negative for me. I can say positively that I am a better agent today because of participating in this forum.

I too am a better agent because of this forum. There is some positive energy here. But that doesn't dispel the notion that there is a lot of negativity on this forum.

LH and SL (and myself) have had a lot of negativity hurled there way. Wouldn't you agree?
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Greg what is your persistency in north Carolina and how does it compare to other sl agents throughout the country?

My persistency is not broken down state by state. I sell in 12 different states via tele-sales and its all grouped together. I wish this were broken down state by state for the agents. Maybe it is for internal corp. info.

Persistency is also not broken down face 2 face compared to tele-sales. I also wish this was broken down.

My pers. is usually right in the middle of all the agents' persistency. My group's persistency also falls right about in the middle.

Doesn't matter what state or city I'm calling, I always hear the "let me think about it's", "can't afford it", "just mail me something", etc. about the same frequency between each state.

Closing % about the same state to state.
Probabilty of a bank acc't. about the same state to state.

Indiana is one of my favorite states though. Maybe try Ky. soon.
 
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