Subject: Re: A POSTER'S ANSWER TO ENRIQUE!

Comments:
: : Message: : : Enrique: While at Primerica, there were alot of us who got a P/C license, we marketed the Travelers Secure auto and Homowners products. As most agents know, P/C products can be a way in the door. That product was taken away from us in a short amount of time. Basically the order came down that we weren't in the line of business and to cease offering it. : It was a great way to lead with the P/C and follow through with the other products. Referrals came from car dealers, mortgage brokers, real estate agents, or just asking to compete with a persons current business. : It was taken away and what could we do, nothing,,we were captive. Well if we were independent, we could just go to another company and contract with them. : I have had clients who wanted disability insurance I had to send them to other agents..I have had clients, who were substandard, what could I do,,nothing. : Basically being independent gives you freedom. The chance for higher commission schedules. The option of being able to sell what your clients need. The only drawback is the more you know and learn, the more you can make. A six figure income is just a decision to do it. : If recruiting is a consideration, there are companies which will let a person recruit if they so choose. : Being captive meant that I had to stay within a certain market. Being Captive meant that I couldn't market to business owners, or the upper income clients. Yes I could figure out rates, but I didn't know anything about how a large life policy would effect the client if they died. So the training you speak of isn't so much about education, it's about selling the product. I remember a long time producer (above SVP) didn't know what continine was. We figured it was a misprint and they meant nicotine. (Shakes my head and laughs) (Look at the Med. authorization form) : So when your clients save all that money, sooner or later they just out grow what you can deliver to them. Limited products which=limited income, limited product overrides, and a limited opportunity for the people you recruit. : Agents are emotionally tied to Citigroup, and Citigroup isn't emotionally tied to you. As I said before, Primerica has competition. If they don't change, the competition is going to eat them up. : At the dinner table, it's hard to compete with an independent for the sale. At the dinner table it's hard to compete with an independent with the ability to recruite. : For example, with everything being equal, would you go with a company which will start you at 25% commission or 55% commission? : So you have to ask yourself, are you where you are out of loyalty or because it is the best business decision for you? When I asked myself that question, I had to seperate the business from the emotion. : So learn all that you can about the art of selling and recruiting just in case. : As a new person you need to learn the business. The opportunity and the company are different than it was years ago, and it's going to be different years from now. The heavy hitters didn't have to deal with Do not call laws. : So is being independent better??? For the experienced agent yes, but for the new agent (part-time) it's best to learn somewhere where there is some degree of training. : :

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