Justin M
Expert
- 25
Ok thanks I will look for other routes and yes I'm very sincere I'm about really helping people get the best insurance and also building my knowledge
SF Term Policy
- Thread starter nad83
- Start date
- 15,041
Here is a hint in life.
The more a company or organization has to tell you about how great they are, the more you need to be worried. While there are times you need to toot your own horn, generally people who do so are doing it because no one else will.
- 25,990
Justin, You and I PM'd a lot the other day. You do sound like a nice guy.
As I mentioned You should double check if those 30 and 35 year plans are _Guaranteed_ level premium for the whole term period. Also that all the UL stuff you were told were half truths.
We are mostly independent agents. We can write for anyone we choose. If Primerica was the promise land many of us would be writing there. Go to coffee with some of the people that started just be fore you, if there are any left, and you will find that most are struggling. Who wrote your warm market? Did they start you at 25%.
Justin M
Expert
- 25
Yes the 30-35 yr term is guarantied and ok I do agree with you on the UL. Yes I started with warm market and got referrals fast and started at 25% but jumped to 50% in a wk I'm a fast learner. I do agree with you I have talked to many people who's done it before me and still doing it also some who stopped
- 25,990
Justin, I have sat across the table from AL Williams and PFS agents and RVPs for years. I am pretty good at it.
Keep your own records at home. Remember that it is your license and you do not need a release when you leave. Keep your own (copies) of records at home.
Good luck.
Examples for you.
I used Preferred not Preferred best.
Me - Male 40 Prf'd non T $250,000 20 yr term = $22.76 - 30 yr term = $37.62 to age 95 = $122.40
Primerica - , these could be wrong please verify = $150,000 20 yr =$26.08 $150,000 15 yr = $23.80 0r $250,000 10 yr @ $23.51 or 20 yr at $33.72
I know that PFS pushes the increasing premium rider also. I could do $375,000.00 20 yr for $31.83
Here is my point. Who would your warm market be better served by a PFS captive agent or me? By the way, I would also make around 100% on these, so where would you and your family be better off. Keep your records and go back and fix your warm market after you leave or have one of us do it.
Good luck to you.
Oh also, check out term4sale.com they do not sell insurance but you can run your competitors here.
Justin M
Expert
- 25
Ok I see and understand and your rates are cheaper then what we offer thanks I look into it do my research and may be be on my own soon or with my friend or has his own firm thanks again and yes I may have to go back as do my warm market
- 25,990
Good luck Justin. This forum is a good place for the independent agents to get information from agents that are doing it everyday.
Side note: be aware of the noncompete in your contract.
Justin M
Expert
- 25
Ok thanks and really I'm going to look that part up now
