What Companies Allow Replacements In Kentucky ?

[noah]

I always go see those people in person. Most of the time, if I can get back in front of them, I can conserve the business. But some clients are just dumb as hell.

GTL 7k $114…..
Not gonna beat Moo GI.
I could have written Moo graded 7k $76.20.
We wanted her to have as much death benefit as possible as quickly as possible.

That probably is the word from him.

Do you think you’ll be taking applications when you’re 78 ?
Do you think you’ll be chiming in on the forum when you’re 78 ?

I don’t think orca has a relationship with AmMem. They pimp AmAm now.

I know the people at New Horizons. I don’t know about their contracting.

The best place to get a KSKJ contract is thru FEX.

Oh yes they do. Found one today. F,70,T,level clean sheeted on the tobacco. Brand new Am Mem $61 for 10k. Orca agent from Louisville. He got her to surrender two 5k PM’s and get the cash. One of them had $510 the other issued in 2000 had almost $1700. The boxes checked no in regards to replacement.
We called both companies. She’s getting back her initial premium from Am Mem under free look. The check for the 2 surrenders are getting mailed back to PM along with the combined April premiums on both 5k’s which is around $35.
She sent the card in because she knew something was wrong and was worried. She’s recently become a widow and was quite shook up.
Thankful when we finished up.
This is what Todd teaches his agents to do.

 

[Jccwell]

GTL 7k $114…..
Not gonna beat Moo GI.
I could have written Moo graded 7k $76.20.
/QUOTE]

You said they replaced a good LBL, too. Why not go conserve that business and add to it with MoO graded?

Might not be much commission for you, but at least you'll be hitting that POS agent with a charge back. And maybe even teaching them a lesson about messing with your clients.

 

[jdeasy]

GTL 7k $114…..
Not gonna beat Moo GI.
I could have written Moo graded 7k $76.20.
We wanted her to have as much death benefit as possible as quickly as possible.


Do you think you’ll be taking applications when you’re 78 ?
Do you think you’ll be chiming in on the forum when you’re 78 ?


Oh yes they do. Found one today. F,70,T,level clean sheeted on the tobacco. Brand new Am Mem $61 for 10k. Orca agent from Louisville. He got her to surrender two 5k PM’s and get the cash. One of them had $510 the other issued in 2000 had almost $1700. The boxes checked no in regards to replacement.
We called both companies. She’s getting back her initial premium from Am Mem under free look. The check for the 2 surrenders are getting mailed back to PM along with the combined April premiums on both 5k’s which is around $35.
She sent the card in because she knew something was wrong and was worried. She’s recently become a widow and was quite shook up.
Thankful when we finished up.
This is what Todd teaches his agents to do.

Who doesn't teach agents to do that? You sure the agent was ORCA or Advance Team? Many agents left ammem on the same day and went to AT.

As to your questions on taking apps at 78, doubtful. On this forum,. also doubtful.

For that lady I would have written a new $10K with KSKJ and got her surrender monies.

The 10K on a 70 year female smoker is $60/mo.

That's what I would teach.

 

[noah]

She won’t return messages I’ve left her.
Probably wouldn’t answer the door.
Also could be a potential chargeback,she might not make it 2 years.
I have plenty of fresh lead cards.
I’d rather go write a fresh app at +120% instead of reduced comp.

 

[noah]

Who doesn't teach agents to do that? You sure the agent was ORCA or Advance Team? Many agents left ammem on the same day and went to AT.

As to your questions on taking apps at 78, doubtful. On this forum,. also doubtful.

For that lady I would have written a new $10K with KSKJ and got her surrender monies.

The 10K on a 70 year female smoker is $60/mo.

That's what I would teach.

 

[rmhaire]

She won’t return messages I’ve left her.
Probably wouldn’t answer the door.
Also could be a potential chargeback,she might not make it 2 years.
I have plenty of fresh lead cards.
I’d rather go write a fresh app at +120% instead of reduced comp.

You're not doing it right.

Unbutton your shirt and flex those pecs .... she'll answer the door.

 

[jdeasy]

View attachment 8881

Dude has only been licensed 2 years. Only has ammem, amam and rna.

 

[noah]

Dude has only been licensed 2 years. Only has ammem, amam and rna.

There was also a letter in the folder from Am Am saying she canceled a policy that had an effective date of 04/03. She said they never drafted any money so I didn’t go any further with that issue. He might have clean sheeted her with them and maybe they picked up the tobacco ?

 

[Jccwell]

She won’t return messages I’ve left her.
Probably wouldn’t answer the door.
Also could be a potential chargeback,she might not make it 2 years.
I have plenty of fresh lead cards.
I’d rather go write a fresh app at +120% instead of reduced comp.

That's not the point. The main point is protecting your business from bad agents. And punishing those bad agents while you're at it.

 

[noah]

That's not the point. The main point is protecting your business from bad agents. And punishing those bad agents while you're at it.

How do you know the captive Moo agent didn’t advise her of the contestability period ?