Subject: Re: Re: Re: WORKING THE BUSINESS.

Comments:
: : "HOW CAN YOU DO RIGHT FOR THE CLIENT SELLING ONE LIFE INS. PRODUCT?" : : 1) We sell 2. : What are the two that you sell? : : 2) Term is always 100% right for our "target market". : : "GIVE UP YOUR BEST LEG IN ORDER TO GET PROMOTED" : : Only when you get promoted to RVP and only once. This is designed so that as people get promoted to RVP, they dont rip out the revenue stream of the current RVP when they go on to open their own office. It is paid back once they, in turn, have some of their own people become RVPs later on. If you have a suggestion on a better way to handle this, go ahead and post it. : : Note: as an independent, when one of your "agents" decides that they wants to open thier own office to make better comissions, rather than stay "under" you, all of thier business will leave, and you will lose huge. : Not always true Enrique. There are other companies out there that operate with an independent agent structure but also allow generational overrides. Primerica is not the only game in town. : : "LEAVE AND YOU LEAVE ALL OF YOUR CLIENTS." : : I still cant fathom why you list this. You are saying that one of the downsides of a business is that if you leave it, you arent in business anymore. Can you say "duh?" Are you saying that in order to be a "good" financial services business, it has to be one where you can work for a short amount of time, then quit? Does that sound like a "good" business to anyone else? : He is referring to leaving one company to go to another company. The independent agency that I work with allows generational overrides and if I decide to leave the company I can take my clients with me. : : "HAVE A CLIENT RATED UP AND YOU ARE NOT FREE TO TRY AND GET HIM A BETTER RATE." : : "I SELL TERM THAT CIGAR SMOKERS, PIPE SMOKERS, AND PEOPLE WHO CHEW TOBACCO ARE CONSIDERED NON-SMOKERS. NOT WITH PFS." : : "IF I HAVE SOMEONE WHO QUIT SMOKING 13 MONTHS AGO, HE IS CONSIDERED A NON-SMOKER. NOT WITH PFS." : : Irrelevant. Someone that gets rated, will likely get rated anywhere you go. And if they don't, the insurance company that is not giving that rated quote isn't stable enough to be around for very long. I mean, what kind of idiot underwriters dont rate someone for using cigars, pipes or chewing tobacco, but do rate for cigarettes? I mean, that just screams "morons" to me. : This comment of yours is simply not true. It is obvious you have no experience shopping a rate for your client. Every companies underwriting guidelines are different. This applies to their height and weight charts to the types of risks they are willing to ensure. : For example, if you have a client that has had a heart attack the companies you may try to place them with are Empire General or maybe even North American. If you have a client that travels out of the country then maybe Transamerica is the company to place them with. Independent agents know which companies to use for different types of clients. I cigar or tobacco chewer would probable be placed with Prudential because they will give that person a non-smoker rate. There are other companies that will do that also. All of these companies listed are at least A+ rated and used by independent agents all over. : Click on my name and e-mail me if you would like to know how to be an independent agent and still be able to recruit and override other agents. : : "YOU GUYS ARE IN INSURANCE KINDERGARTEN!" : : Really? Then I guess they must have taught us where the Caps-Lock key was in pre-school...

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