Senior Life

[theinsuranceman]

Yeas, th "Ultimate Preferred" would be cheaper.. The "Super Preferred" with the $3 added wold be about the same as Columbian, Trans, etc. Then the "Preferred" which they say most people qualify for is way on the high side..

Nope Rouse. The super-preferred is cheaper than most other FE plans, and the super-preferred doesn't even do MIB's PHI's, nor APS's.

Plus Ms. Jones can get her casket, vault, and monument locked in for $3500 (the funeral home would charge about $7000). That's an immediate savings of $3500 and she only pays $3 per month to save this $3500! After 10 years $3 per month equals $360 paid, which peanuts to the savings she gets on her casket, vault, and monument.

Now....if Todd really cared about his clients.....well....it seems he would be wanting to save his clients an immediate $3500 on funeral merchandise like was just illustrated. doesn't it?

 

[theinsuranceman]

Talk about your blanket statements! "We all know the cheaper rate carriers have stricter underwriting, more head aches for agents, and exiting the industry, etc."

You really should stop while you're ahead. The more you make statements like this the more and more you prove my point.

Pays you best? What a frickin' joke! You really don't get it do you? I'm so sorry. All of this time I've been arguing with someone who doesn't have the capacity to understand at all.

OK, whatever you say Todd.....lol.

 

[Mattschmidt]

Nope Rouse. The super-preferred is cheaper than most other FE plans, and the super-preferred doesn't even do MIB's PHI's, nor APS's.

Plus Ms. Jones can get her casket, vault, and monument locked in for $3500 (the funeral home would charge about $7000). That's an immediate savings of $3500 and she only pays $3 per month to save this $3500! After 10 years $3 per month equals $360 paid, which peanuts to the savings she gets on her casket, vault, and monument.

Now....if Todd really cared about his clients.....well....it seems he would be wanting to save his clients an immediate $3500 on funeral merchandise like was just illustrated. doesn't it?

Not true on Mib's. When doing applicaiton on IPAD or phone application using Ipad, you read MIB disclosure to client and they authorize it. Home office confirmed that can do a MIB review when they want, and not at time of death like you previously stated on here.

Then again when you and I messaged back in April, about how I heard Senior LIfe was making these changes, you were completely unaware. Yet in May they were doing them.

 

[Todd King]

Now....if Todd really cared about his clients.....well....it seems he would be wanting to save his clients an immediate $3500 on funeral merchandise like was just illustrated. doesn't it?

And I can.......Not only can I do that, but I don't need to sell them an overpriced plan to do it and then, on top of that, if I don't sell (or give away in my instance) them one, I don't get punished by getting my commission cut.

Greg, you should really start looking around for things that are available instead of having your head up the Powell's asses!

 

[Mattschmidt]

This commission grid is quite a bit different from the one I received.. The thing more that the raise on the prefereds and the cut on the standard is the renewal commissions.. They really butchered them. Looks like the cut them 50%+ almost across the board.

Ya they updated it a while back. Greg's upline didn't notify anyone of the change either. It just happened. You'd think you'd atleast get an email or something

The preferred and super preferred wouldn't be so tough to get approved, but they limit the # of meds a person takes for let's say HBP. A healthly person could be on a few of them and they wouldn't qualify for it.

I wish they would make Standard, Prefered and Super Preferred the same across the board.

 

[rousemark]

Ya they updated it a while back. Greg's upline didn't notify anyone of the change either. It just happened. You'd think you'd atleast get an email or something

The preferred and super preferred wouldn't be so tough to get approved, but they limit the # of meds a person takes for let's say HBP. A healthly person could be on a few of them and they wouldn't qualify for it.

I wish they would make Standard, Prefered and Super Preferred the same across the board.

Do the do an RX script check? If not, then it is easy to see how many would qualify for the Super Preferred rates.

 

[theinsuranceman]

This commission grid is quite a bit different from the one I received.. The thing more that the raise on the prefereds and the cut on the standard is the renewal commissions.. They really butchered them. Looks like the cut them 50%+ almost across the board.

Rouse, you just gotta crunch the numbers to see it.

They ADDED renewals to the super-preferred: 7% 2-5, 5% 6-10, 2.75% 11+. (zero before)
They ADDED renewals to the GI: 7.5% 2-5, 5.5% 6-10, 4% 11+ (zero before)
Standard renewals were lowered yrs. 2-10, still pays 4.5% 11+!

Super-preferred 1st year increased 34.5 points!
Preferred 1st year increased 12.5 points!
Standard 1st year lowered by 15 points.
GI 1st year increased 17.5 points!

With this new commission schedule agents are just making more $$$! They could pay ZERO renewals and agents would still make more $$$ just from the sheer increase in 1st year commissions!

 

[theinsuranceman]

YOu're lying again. You said that's the highest contract you could offer and it's a good contract for people with low production.

And there was no drama surrounding me. You're lying again.

Only drama was with a partner of mine who was contracted with your upline Craig and Rob Elsberry. THey were involved in a fictitious debit balance scam, trying to defraud an individual of over $2600.

AFter ignoring numerous messages, the Elsberry clan finally confirmed it was a fake debit balance recovery effort. But it took them over 30 days to reply. Who would want to work with uplines like that?

See bold above. I "could offer" does not equate to I "did offer". Remember, I said we would not be a good match, I never offered you a

And I can.......Not only can I do that, but I don't need to sell them an overpriced plan to do it and then, on top of that, if I don't sell (or give away in my instance) them one, I don't get punished by getting my commission cut.

Greg, you should really start looking around for things that are available instead of having your head up the Powell's asses!

And I can.......Not only can I do that, but I don't need to sell them an overpriced plan to do it and then, on top of that, if I don't sell (or give away in my instance) them one, I don't get punished by getting my commission cut.

Greg, you should really start looking around for things that are available instead of having your head up the Powell's asses!

Well Todd if you can then why don't you? You did state that you cared about your clients, remember? Todd, are you saying you want something up your ass? Interesting.....very interesting. Maybe you could elaborate for everyone who is popping their pop corn?

 

[theinsuranceman]

Ya they updated it a while back. Greg's upline didn't notify anyone of the change either. It just happened. You'd think you'd atleast get an email or something

The preferred and super preferred wouldn't be so tough to get approved, but they limit the # of meds a person takes for let's say HBP. A healthly person could be on a few of them and they wouldn't qualify for it.

I wish they would make Standard, Prefered and Super Preferred the same across the board.

SL sent out a company wide email about this. If you're so disappointed with Sr Life why are you getting contracted for a 3rd time? Don't you represent about 50 other carriers?

 

[theinsuranceman]

Ya they updated it a while back. Greg's upline didn't notify anyone of the change either. It just happened. You'd think you'd atleast get an email or something

The preferred and super preferred wouldn't be so tough to get approved, but they limit the # of meds a person takes for let's say HBP. A healthly person could be on a few of them and they wouldn't qualify for it.

I wish they would make Standard, Prefered and Super Preferred the same across the board.

You make it sound like it's Greg's fault.