Greg thats Bull. You know how many Fe clients only take 1 high bp and 1 depression drug? Also zero . They take 2-3 of each min. What about all the heart issues with warfin,Isosorbide? What about insulin and a irregular heartbeat? Your throwing Combo's that hardly ever happen. As i said the SL agents are quoting super preferred and when it comes back preferred or Gi the client never notices as the premium stayed the same but the face dropped in 1/2. Most of these FE people never even open their policy's . Its funny your the only SL agent on this board so there's no former agents to dispute your bs. All every agent knows for a fact is every SL policy we run into in the field is 20% more than most fe carriers and we replace them . Those are the facts .
Went to the SL meeting
- Thread starter billyb
- Start date
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- 4,843
You said I was lying about a week ago and I said let's each put up a grand to see. Did anyone ever lend you the grand? Let me know....lol.
I only take one blood pressure med (lisinopril) and 1 depression med (Lexapro)..
As far as i know your not a fe type client ? Maybe you live in a single wide with 10 dogs and 3 cats. lol. But seriously i rarely run into a customer that only takes 1 of each of those drugs. Proof will be in the pudding when i run into a SL policy and i can't replace it . I highly doubt that ever happens.
I own an FE policy... Not all FE clients fit I that category..
- 26,121
Fixed it for you.
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According to this thread, you may be right about tighter underwriting:
https://insurance-forums.com/community/threads/pekin-life.92093/
- 4,843
Thanx for the link. Pekin seems to drastically cut commission %'s. Glad Sr Life pays full comp on the Super-Preferred.
- 4,843
Sr Life agents use an ipad with an app called SLICE that's been downloaded to their ipad. When we visit with Ms. Jones we go over the health questions on SLICE, type in all prescribed meds, and then SLICE will tell us the best plan Ms. Jones qualifies for. This is so agents don't look up the wrong plan.
Then SLICE also has the sales presentation so all agents (even brand new agents) can give the same world class sales presentation each week. There is also a 4 min video sharing testimonials for Legacy Assurance. Then rates are displayed by SLICE (so agents don't quote incorrect rates).
If Ms. Jones wants to go forward with a plan then we type in the app on the ipad, everyone signs their name with their finger tip or stylus, the agent clicks submit and everything goes to the home office. If the home office receives the pic of the check along with the submitted app by 3 pm est the agent is paid that night!
The home office will also do a script check to make sure the agent (or Ms. Jones) didn't leave out any of the prescribed meds. There is no MIB.
Then Sr Life also does random phone interviews with Ms. Jones when they receive the app. They double check spellings, premium amount, face amount, draft date, etc. and to welcome Ms. Jones to the company as a policy bolder. They also double check the yes or no health questions.
This method prevents what DonP say agents do. Hope this explanation enlightens you.
Agents (full-time and part-time) should call me if they are looking for a very simple process where they don't have to keep up with multiple carriers. The math was laid out several posts earlier that even if Todd has a premium $40 per month cheaper than Sr Life (doesn't exist by the way) that the Sr Life policy bundled with Legacy Assurance will CRUSH any savings that Todd thought he could provide.
A smart agent could cross sell Legacy Assurance bundled with a small policy from Sr Life and not even have to worry about lead expenses for awhile. Sell five $20 policies a day!
Call me for a confidential phone conversation.
Then SLICE also has the sales presentation so all agents (even brand new agents) can give the same world class sales presentation each week. There is also a 4 min video sharing testimonials for Legacy Assurance. Then rates are displayed by SLICE (so agents don't quote incorrect rates).
If Ms. Jones wants to go forward with a plan then we type in the app on the ipad, everyone signs their name with their finger tip or stylus, the agent clicks submit and everything goes to the home office. If the home office receives the pic of the check along with the submitted app by 3 pm est the agent is paid that night!
The home office will also do a script check to make sure the agent (or Ms. Jones) didn't leave out any of the prescribed meds. There is no MIB.
Then Sr Life also does random phone interviews with Ms. Jones when they receive the app. They double check spellings, premium amount, face amount, draft date, etc. and to welcome Ms. Jones to the company as a policy bolder. They also double check the yes or no health questions.
This method prevents what DonP say agents do. Hope this explanation enlightens you.
Agents (full-time and part-time) should call me if they are looking for a very simple process where they don't have to keep up with multiple carriers. The math was laid out several posts earlier that even if Todd has a premium $40 per month cheaper than Sr Life (doesn't exist by the way) that the Sr Life policy bundled with Legacy Assurance will CRUSH any savings that Todd thought he could provide.
A smart agent could cross sell Legacy Assurance bundled with a small policy from Sr Life and not even have to worry about lead expenses for awhile. Sell five $20 policies a day!
Call me for a confidential phone conversation.
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