True Stage

[noah]

Most are lying, yes.

Some are not and you know who they are.

The companies know who they are.

The rest have their picture on milk cartons.

Here's something you can believe. If telesales were all that's being boasted on social media you can bet money Scott and Todd would be pimping it heavily.

Not

What do you think is causing that? I don't think there's been a large influx of new FE agents doing DM drops. Maybe less demand for FE? I know Sr Life is generating FE DM leads that have "final expenses" in the 1st sentence on the card and "life insurance" in the 3rd sentence on the card for $31/lead in most states and $37/lead in a few other states.

Would like to hear opinions from others too.

If I'm contracted with Sr Life can I buy those fixed cost leads and write 1 app a month and freely write the rest of the St Life fixed cost cards with the company of my own choice?

How much are they in Florida?
Georgia?

 

[Baseball7]

If I'm contracted with Sr Life can I buy those fixed cost leads and write 1 app a month and freely write the rest of the St Life fixed cost cards with the company of my own choice?

Ha no.

 

[theinsuranceman]

Here's something you can believe. If telesales were all that's being boasted on social media you can bet money Scott and Todd would be pimping it heavily.

Not



If I'm contracted with Sr Life can I buy those fixed cost leads and write 1 app a month and freely write the rest of the St Life fixed cost cards with the company of my own choice?

How much are they in Florida?
Georgia?

$37 each in Fl and Ga. The answer to your question is no. Their leads are for their full time agents only.

 

[noah]

$37 each in Fl and Ga. The answer to your question is no. Their leads are for their full time agents only.

Oh so you're an employee if you write with them?

Doesn't that mean they control you?

Who wants that?

 

[theinsuranceman]

Oh so you're an employee if you write with them? No, you're a 1099 independent contractor.

Doesn't that mean they control you? No, you're an independent 1099 contractor, you set your own hours.

Who wants that?

Lots of agents that are having trouble getting 30 fresh exclusive leads each week for $37 or less. And other agents that appreciate their manager cosigning so they can get leads on credit (after training).

Trying to have an intelligent conversation here.

 

[noah]

Oh ok good.

Keep those guys busy so independent agents who write multiple companies based on the insureds health and financial situation on can easily replace it.

Many,on this forum.

I thought your post was an offer to us ?

We are all grateful that companies like Senior Life are in the final expense industry.

Yes !

Thank you dear Lord !

 

[BibH]

Lots of agents that are having trouble getting 30 fresh exclusive leads each week for $37 or less. And other agents that appreciate their manager cosigning so they can get leads on credit (after training).

Trying to have an intelligent conversation here.

Greg that's all great if you want to be locked into selling one company at lower that street comp . For instant an agent off the street gets 120% doing 1 app a yr with most Fmo's . As I recall at senior life that gets you 70-90% ? As I said a new agent can get 100-110% with senior-select in ga with $35 fixed cost leads that say life ins . He can also get all the rah-rah . No agents going to the 1 company model after tasting being truely independent.

 

[noah]

Greg that's all great if you want to be locked into selling one company at lower that street comp . For instant an agent off the street gets 120% doing 1 app a yr with most Fmo's . As I recall at senior life that gets you 70-90% ? As I said a new agent can get 100-110% with senior-select in ga with $35 fixed cost leads that say life ins . He can also get all the rah-rah . No agents going to the 1 company model after tasting being truely independent.

That's owned by Integrity,right ?

That means agents can be contracted with Am Am Moo Family Benefit Gerber…etc.

They probably help new agents get licensed,provide training,hand holding…etc.

What can Greg do with 1 overpriced company with much tighter underwriting,a 3 year modified GI instead of the standard 2 year wait that Senior Select cannot do for brand new agents ?

 

[theinsuranceman]

Greg that's all great if you want to be locked into selling one company at lower that street comp . For instant an agent off the street gets 120% doing 1 app a yr with most Fmo's . As I recall at senior life that gets you 70-90% ? As I said a new agent can get 100-110% with senior-select in ga with $35 fixed cost leads that say life ins . He can also get all the rah-rah . No agents going to the 1 company model after tasting being truely independent.

90% is the lowest FYC for anyone. As soon as agent issues 5k in one month then that agent promotes themself to 95%. 10k in one month and that agent promotes themself to 100%, etc. Commissions may be slightly lower than the brokers, but up to 150% FYC is available, but very tough to achieve. Once an agent promotes themself to a higher level their production could drop down to one app a year and the FYC doesn't drop. We have lead financing and charge backs are deducted from the unadvanced commissions instead of the front end advance. That would help explain the commission differences with brokers. Both systems have produced winners and losers.

I only mentioned the fixed lead costs in Fl and Ga in case it might help someone. But I was hoping to have an intelligent discussion about why FE DM lead responses have dropped so much this last few months, and why they've slowly dropped the last 15 years. Everyone FE group/carrier is experiencing this whether it's Sr Life, Sr Select, LH, lead concepts, lead connection, etc. Do you have any ideas on why response rates drop?

 

[BibH]

That's owned by Integrity,right ?

That means agents can be contracted with Am Am Moo Family Benefit Gerber…etc.

They probably help new agents get licensed,provide training,hand holding…etc.

What can Greg do with 1 overpriced company with much tighter underwriting,a 3 year modified GI instead of the standard 2 year wait that Senior Select cannot do for brand new agents ?

Yes but senior select drops all over so you might not be able to say I want to work these county's in order . I know a lot of their agents travel or drive 2-3 hrs to work an area. I believe you grab your leads out of a pot weekly . Anyway I had had no interest in the rah rah .