tribetime32
Guru
- 377
I would 100% invite that agent in and have a conversation together. Most Lincoln Heritage have no idea what they are actually selling and once you lay out everything on the table and compare pricing/underwriting and understand what the FCGS actually does vs. how it's pitched. The client would be silly to not go with you and it would be a great opportunity to show that Lincoln agent a better way.
Lincoln Heritage puts many health issues such as COPD and blood thinner prescriptions as modified whereas you can get them a level benefit in most of those cases. Additionally, they are typically on comp plans around 60-70% and paying well over $30 per lead for something that has been resold to multiple other agents. They also have bad max advance policies such as $500 per household and they cut comp on savings accounts and modified policies.
Many in here know this already, but there may be a new agent watching to find answers.
Lincoln Heritage puts many health issues such as COPD and blood thinner prescriptions as modified whereas you can get them a level benefit in most of those cases. Additionally, they are typically on comp plans around 60-70% and paying well over $30 per lead for something that has been resold to multiple other agents. They also have bad max advance policies such as $500 per household and they cut comp on savings accounts and modified policies.
Many in here know this already, but there may be a new agent watching to find answers.
