Starting in Final Expense

[WinoBlues]

OK. I am the lady at the door.

Lady: What?
You :

I have been selling FE for a little over a year. I have always used Medicare as my in at the door. If I determine through the conversation that they are insurable, I NEVER leave the house without asking what I have found to be a KILLER final expense question to start them talking: "Are they still making you pay for your life insurance or is that all paid up?" It eliminates the "yes - no" answer and "I am not interested". Two days ago I wrote a $226/mo policy just because I made them a client, then asked that question. Try it. You will be surprised how much it will increase your sales.

 

[ddraughn]

OK. I am the lady at the door.

Lady: What?
You :

I almost never use that question at the door. That is a question to ask after you are already in the house.

 

[WinoBlues]

I almost never use that question at the door. That is a question to ask after you are already in the house.

OK

You: "Are they still making you pay for your life insurance or is that all paid up?"

Lady: WHAT? Who?

You: <fill in the blank please> <blank>

 

[ChrisinFlorida]

They have their own mailers and newspaper inserts and will do all the mailing or will send you the inserts for your local paper. You can also get call lists of say people turning 65 or everyone in a certain locale age 65-85 and they just charge this against your future biz. Of course you have to have a little sumthin sumthin on th books to get started.

JohnRocks,

If you're just starting with Lincoln Heritage and you don't have any business on the books yet, how much do they charge for the leads? Do they require E&O insurance and are there any start up fees assessed?

Thank you,
Chris

 

[agentinsure]

redzalez?????? SPAMMER??????

your an ***

 

[GreenSky]

your an ***

That would be "you're" an ***.

Applies perfectly to you.

Rick

 

[john113]

Hi, I thinking about having my agents market FE plans. Been approached by Lincoln Heritage. Hey FE guys is that a viable option? Their guy states the are the best. We have been in worksite benefit sales for over 10 years, however a lot of sitting on the fence now, due to cut backs and lay off's

 

[Todd King]

I'm sure there are a lot of FE agents in TX that hope you write a bunch of Lincoln Heritage policies so they can go behind you and replace their very high priced policies!
Before you sign the contract, read it very well. Especially pay attention to the "Vesting" portion. One of the worst contracts I've ever seen.

 

[Mark]

One of the worst contracts I've ever seen.

Insurance companies never make the contracts to help us out. Lots of hidden stuff in them.

You always got to make sure you are vested from day 1.

I was reading one the other day if they owe you less than 700 bucks a year, they wont pay you.

Sometimes I feel like I need my lawyer present when I'm filling out some of these contracts.

 

[john113]

Got to find another market since voluntary benefits are a little slow. My guys are eager to write business now. Thought FE might be the answer. Any ideas out there?