What Companies Allow Replacements In Kentucky ?

[Jccwell]

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

Maybe I misunderstood. The MoO agent replaced a good LBL, right? I would be willing to bet money the 2-year wait wasn't disclosed. If it was and the client decided to switch anyway, that client is a dumbass.

 

[noah]

Maybe I misunderstood. The MoO agent replaced a good LBL, right? I would be willing to bet money the 2-year wait wasn't disclosed. If it was and the client decided to switch anyway, that client is a dumbass.

Yes,I know,it’s a bad replacement. 3 year old LBL. Most of these folks think they are getting a better deal whether they are lied to or the facts are omitted and we were just to high so they switch.
I just don’t have enough hours in my day to be going back chasing this stuff down.
First couple years in the business I did and delivered every policy.
I’ll swing by there when get a lead card nearby but I won’t go out of my way.

 

[Jccwell]

Yes,I know,it’s a bad replacement. 3 year old LBL. Most of these folks think they are getting a better deal whether they are lied to or the facts are omitted and we were just to high so they switch.
I just don’t have enough hours in my day to be going back chasing this stuff down.
First couple years in the business I did and delivered every policy.
I’ll swing by there when get a lead card nearby but I won’t go out of my way.

By then, it'll be too late.

 

[noah]

By then, it'll be too late.

I know I’ll be busy writing new business

 

[WinoBlues]

Get off your high horse. I'm tired of agents that don't write shit attacking agents that do. That's always the case. There's that clown that used to work as a shift manager at Boston Market and living with his parents giving financial advice.

Then you are always blaming agents for everything while claiming to be an agent. OK, you have a license. So does a desk jockey sitting in a bank. And even those agents try to tell FE agents how to work.

But you and DonP try to pin it on the agents.

Give some proof or STFU!

What a dick.

For someone that is always crying 'personal attack' and then, rightfully, calling out everyone that was posting your mentor's family financial issues. The last few weeks you have been worse than usual.

Yeah, yeah, hit the report button and send out the PMs

 

[WinoBlues]

Couldn't have been doing the same 15 years ago. I have only been on the forum 12 years. Just one more thing you have wrong.

Not a victim.. Just telling the facts. Just before I joined the forum, I developed heart trouble. About a year after I joined I developed throat cancer so I have had health problems more or less ever since I have been on here. Had I not had these problems I might have written a little more business but probably not much.

I would love to be out writing a little business but it is what it is.. I am fortunate enough that I do not have to do so.. I have not debt, my home and vehicles are paid for,, I have a little money in the bank.. draw SS and have renewals and pension income.

It is odd that you call Don a bully when you act like the biggest bully on the forum.... You would think you were still a union thug.

You have tried to ride roughshod over me ever since I questioned you about your telling people their fraternal certificates were guarantied to never go up nor would the insurance ever go go down without explaining that an assessment could result in the having to pay more money or if they didn't it would reduce their coverage. Then, you claimed it had never happened and even continue to deny it when I provided copies of an assessment notice. Your answer was to call me a fraternal hater which is not true. I just don't believe in misleading a client to get a sale.

I do not clean sheet, I fully disclose to the client, I never let the clients believe I am anything but an insurance agent and have no connection with the federal government. Can you say the same?

 

[jdeasy]

What a dick.

For someone that is always crying 'personal attack' and then, rightfully, calling out everyone that was posting your mentor's family financial issues. The last few weeks you have been worse than usual.

Yeah, yeah, hit the report button and send out the PMs

What PM’s and what report button?

That’s certainly something I’ve never used.

Is that kinda like the like button?

And I’ve never cried about personal attacks. You must have me confused with someone else.

Just more posts that only you see, I guess?

 

[Matt Spamer]

Oh, play the frickin victim again.

I’ve been on this forum for 15 years. So you were 63 then and not writing shit.

But you were attacking agents then like the company man you have always been.

Attacking? What grown man uses that term on a FE forum? What a candy ass you are going after Rouse. Where I come from attacking means you kicked someones ass...I guess you woke snowflakes in Ky see it different. Rouse has always been fair in his comments to you and you always have to play the role and belittle him.. Speaking of crooked agents, hows your mentor ol' Gas City Tubbs doing? did he ever get off the food stamps?

 

[jdeasy]

Attacking? What grown man uses that term on a FE forum? What a candy ass you are going after Rouse. Where I come from attacking means you kicked someones ass...I guess you woke snowflakes in Ky see it different. Rouse has always been fair in his comments to you and you always have to play the role and belittle him.. Speaking of crooked agents, hows your mentor ol' Gas City Tubbs doing? did he ever get off the food stamps?

You feeling a little sensitive there? You seem to be a little bi polar. And calling someone a snowflake while making false allegation s and hiding behind a screen name? Priceless!!

 

[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.

The 1st 5k PM was issued in 2000,the 2nd 5k in 2018.
She’s paying $35 total for 10k.
She wasn’t even aware the policies had CV.
No loans and didn’t need the CV.

Orca agent ……“How’d you like to have a couple grand?”
Sign here…..”You still have 10k in life insurance but now you’re paying $61 a month”.

Let me add this:

Within the last month or so she has been diagnosed with COPD,prescribed inhalers.

You still replacing her with KSKJ ?

If so,how is she better off ?