- 30,531
JD's looking at it from a full time FE salesman's view. You'll probably eventually cross sell FE. 2 different mindsets.
Who Is the best people to contract with
- Thread starter vic120
- Start date
- 19,579
Doesn't bother me at all.
It's not an emotional sale either. Not for me anyway.
That's desk jockey talk.
I'm not making sense when you are over analyzing everything?
You can you can sell.
You think you know.
It's not that difficult to get in. Contract with one company that does telemarketing, but some cheap internet leads and go to work.
If you can sell you will be covered up with offers.
If you can't you're out the cost of the leads.
- 19,579
Not my experience at all. And I'm not talking about the Ky law one. My whole time with EFES and over $1 mil production while them was almost all in Indiana.
Well over 90% of my true contestable claims have been paid. I do agree the industry average is well under that. One company executive told me a few years ago that the industry average is 40% paid. Now, he's talking the AARP, Globe, CP, etc too in that industry.
I never concern myself with contestability. They either qualify or they don't. If they don't qualify I move on. I've written in the neighborhood of 7000 life application. Not all issued, of course, and have had many death claims over 20+ years. Never once have had a family come after me over a non paid claim.
I'm not going to work scared. I also agree that companies should do a better job of underwriting on the front end. But they want the business too.
- Thread starter
- #54
I agree with that which is why I am trying to pick into this
how long does someone have a policy before it has some real cash value is what I am trying to see
based on this conversation I am guessing if its not 5 years old let it be
- 17,063
The answer is pretty obvious. Look at the case as if you were the customer, not the sales agent. If you would do the replacement as the customer then it makes sense.
But you also have to explain it to the customer and see if it makes sense to them.
- Thread starter
- #56
Actually I am hoping to get my inbound local mailers to work better and stop buying medicare leads with low contact rates
and spend a lot of my call time doing and building an FE buis for now
while I figure out the Facebook stuff next year and add some ACA and Medicare that way a little at a time
I am looking to do FE as earned and build a residual above 10 K or more,
Looking at the program at Digital I would not mind investing 70% of my day to those leads outside of AEP
- Thread starter
- #57
That's the point, I would not replace a policy with little cash value to save $5
But if the health is decent and the person can get 1K in cash back and not cost them much more might make sense
But if the same person is in poor health then NO I would not do that
What I was hoping to learn was how to know these things
But I am now understanding it is tough to know there is no hard fast rules and I might pick up on it in some time but in the beginning I will not mess with it
How are you going to generate inbound Medicare leads? T65?
- Thread starter
- #59
postcards and letters
not going great yet but the T65 stuff still have a lot of time, Getting 100% close on teh calls just need more calls
How are you doing it, letters , post cards, billboards?
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