Tips From Top Producers To Combat Coronavirus Objections

[goillini52]

I just got off my IMO weekly call. I am disgusted. I switched to them 6 weeks ago from FFL, who I netted approx $100k last year. I switched before the corona virus was being taken seriously here in the U.S. I stupidly switched to them because the benefits of selling MA to final expense leads, and the yearly renewals, was brought to my attention by an upline that I worked under before.

I thought, great, maybe I can retire in 10 yrs. I realized that I had made a huge mistake after the first two weeks of so called new leads. New leads are 3 mos old. I could go on and on about that.

They are still, today, praising Agents going out this week to Seniors homes!!!!!!!!!!!

I have provided for 2 sons in their early 20's , by myself, for the past 8 yrs. They have never needed for anything because Mom sells insurance and she has always provided, without Alimony, and no Child Support at all for 3 yrs. It use to be $600 a month for 2.

One son works for UPS, and one of his co workers tested positive last Friday. I don't know if I am infected, who really knows? I am not going to go to seniors homes! I use an inhaler every day myself. I shouldn't be out there. Normally, I am brave, and go into the worse homicide neighborhoods there are in my surrounding areas.

I am saying all of this because, I just passed my AHIP and I don't even know why I did it now . I don't trust the IMO I recently contracted with. They have told me they will release me, but are trying to hold on to me and get me to contracted with their Health Carriers. That's not going to happen.

I need a new home, but this Insurance Forum is so confusing when it comes to reading between the lines, reading between the sarcasm, etc. I need a way to match last year, at least, with FE, Medicare, or Annuities. Telephonic and E-App setup preferable, of course , for right now's world. I have money for leads. I was spending 3k a month with FFL. I can't say why I left them, I had to sign a non disclosure to be released. That's why they have no bad reviews. Oops;

I'm just asking for legitimate IMO's, 100% to 120% contract, independent, vested day one. If they do Medicare and MA, great. If not, them a separate Medicare IMO. And of Course, Athene for Annuities.

I have never left an upline with any debt and I am contracted with all the top carriers, don't owe them anything. I can be released. I would like to have an IMO that has Prosperity. Haven't been contracted with them, but seem to be great rates and coverage when I compete with them.

Please fee free to contact me. I appreciate your time. All of this is so overwhelming. I really don't want to make another abrupt decision.

Stay home...don't take a chance. Use your stay at home time to move to a good home. Also, you don't have to have all your contracts with one FMO. Spread them around and see who you fit with.

I'd start by contacting @Todd King. He's a straight shooter.

So that you can keep others from what happened to you...who are you with now?

 

[Thedude]

Tell me about it. Super dumb. I've always used math over emotion. That's how I retired at 37. So dumb. Look at me, just dumb.

Haha that's awesome! Always good to see someone fight against what they were dealt and prove the world wrong. Inspiring for many on this forum I'm sure.

 

[Markthebroker]

Haha that's awesome! Always good to see someone fight against what they were dealt and prove the world wrong. Inspiring for many on this forum I'm sure.

Well, I've always listened to people smarter than me, that's the ticket. I talked to my retired bio molecular physicist father (another *** that retired young) and he said not to worried about the virus. This is nothing compared to the seasonal flu. My friend that I hike with that works at the local hospital (invested in real estate and bitcoin and went into semi-retirement around the same time I did well before 40) also said not to worry about coronavirus. He said he'll probably get it, and based on what he has seen, he's not worried. Most people shake it off no problem like a bad cold. Out of the whole SF hospital he works at part time, only 5 people there with coronavirus. Not 5,000. Not 500. Not 50. Not 15. 5. Most are sent home with no problems.

But I'm sure you have people on tv with scary pictures and loud noises telling you to be scared, so I'll let you make your own choices.

Look at me disrupting your opinions with silly facts from people that work in the medical field. Shame on me.

 

[cmd63]

Stay home...don't take a chance. Use your stay at home time to move to a good home. Also, you don't have to have all your contracts with one FMO. Spread them around and see who you fit with.

I'd start by contacting @Todd King. He's a straight shooter.

So that you can keep others from what happened to you...who are you with now?

 

[cmd63]

I can't even type it. Too embarrassing. Didn't know this forum existed. Trusted someone I had known for years. Sometimes salesman are the most gullible. Lol! If I said it, you guys would be like, yeah, told you so 10 yrs. ago.

 

[Thedude]

Well, I've always listened to people smarter than me, that's the ticket. I talked to my retired bio molecular physicist father (another *** that retired young) and he said not to worry about the virus. My friend that I hike with that works at the local hospital as a nurse (invested in real estate and bitcoin and retired around the same time I did) also said not to worry about coronavirus.

But I'm sure you have people on tv with scary pictures and loud noises telling you to be scared, so I'll let you make your own choices.

We all know smart people. I'm not going to go back and forth on who to listen to especially when you were comparing this to diabetes a few pages back. I'll listen to people that it is their job to deal with things like this. Bitcoin guy, that makes sense.

You keep posting about death stats but you still won't acknowledge what would happen if our medical system was overloaded.

And I'm not scared? I'm just being realistic. 2 weeks ago when I mentioned we wouldn't be working in the field I wasn't being over dramatic, I was giving my opinion on what I thought would happen. If the Mecca of infections (china) is shutting down a 5 million person city I would bet it's not flu like as you think it is. Maybe most of entire world is just dumb and you have it all figured out. Tell them your dad is a biophysicist and you retired at 37 ! They will change their plans immediately

 

[cmd63]

Already talked to Todd, because I saw him on this site and liked most of his opinions. He doesn't want me for FE or Med Sup., just as earned. Said yes to MA and Annuities. He didn't like my lack of credit and my old stuff from 5 yrs ago, which was a voluntary repo on a non running lemon car. 639 score. I haven't used credit in my name for a long time. I am not on Vector. His loss.

 

[Markthebroker]

We all know smart people. I'm not going to go back and forth on who to listen to especially when you were comparing this to diabetes a few pages back. I'll listen to people that it is their job to deal with things like this. Bitcoin guy, that makes sense.

You keep posting about death stats but you still won't acknowledge what would happen if our medical system was overloaded.

And I'm not scared? I'm just being realistic. 2 weeks ago when I mentioned we wouldn't be working in the field I wasn't being over dramatic, I was giving my opinion on what I thought would happen. If the Mecca of infections (china) is shutting down a 5 million person city I would bet it's not flu like as you think it is. Maybe most of entire world is just dumb and you have it all figured out. Tell them your dad is a biophysicist and you retired at 37 ! They will change their plans immediately

I 100% acknowledge what would happen if the medical system got overloaded. It would be terrible, and fatalities would go up exponentially. If the hospital beds fill up and my father has another heart attack, or I get hit by a car again, we are screwed. Some of the highest risk people for this are diabetics, that's why I brought it up. If people weren't shoving oreos and junk food in their face, and sucking down soda pop, and being poisoned by the American food companies, less people would die from this, and there would be more beds open. I thought you would have made that connection.

 

[DayTimer]

False? What did I say that wasn't true?

False equivalence. You are trying to approach this pandemic event as though it were similar to deaths by auto accident, and it is not.

Well, I've always listened to people smarter than me, that's the ticket.

So your opinion is we should have done nothing? Let it spread naturally and to the fullest extent possible and let the body count fall where it may? What exactly is you view of how we should have responded?

 

[cmd63]

I would rather a person tell me they had credit problems than to try to justify by saying it was voluntary repo because the car was a non running lemon. The person that sold you the lemon did not get stuck with the car, your lender who loaned you the money in good faith did. Not knocking you for having had credit problems, many of us have at one time or another or may in the future but just alerting you how that statement may sound to others..

Gotcha! Jeep did nothing about the Lemon. What was I suppose to do?
Keep paying on a lemon that didn't run? I needed to work. It needed a whole new engine? They wouldn't pay. I just had Hyundai replace my engine 15k miles ago on my current car. It had 115K miles on it at the time. They extended their warranty on the bad engines they produced. Runs like a charm again. Yay me!