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65k is one of the easiest trips to hit.
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65k is one of the easiest trips to hit.
Seems nobody has addressed Tampa's original question. He asked about the best bang for the buck from the policyholders point of view and everybody is answering the question as to which is best for the agent.
For example, the policyholder might think they are getting more bang for the buck from Seller since they have the so called "Free Value added" benefits, free child/grandchild rider, Covered program, terminal illness benefit, nursing home benefit, etc.
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Especially when you consider that in addition to FE product, they have the term and WL products to write.
Seems nobody has addressed Tampa's original question. He asked about the best bang for the buck from the policyholders point of view and everybody is answering the question as to which is best for the agent.
For example, the policyholder might think they are getting more bang for the buck from Seller since they have the so called "Free Value added" benefits, free child/grandchild rider, Covered program, terminal illness benefit, nursing home benefit, etc.
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Especially when you consider that in addition to FE product, they have the term and WL products to write.
No one is answering because it is an impossible question to answer. You say Settlers, but what if I don't have grandchildren. RNA might be perfect for another and the RX discount or something really benefit them. Some might be scared of dying in an accident and want a policy that doubles. Some might be in a disaster area and want a fraternal that has disaster relief. Or maybe a company that their grandma had and it paid out perfectly so they want that company. Or it could be name recognition that is important like MOO.
The point is I find their WHY and then fill that need. If they bring up another concern that a certain company is better for, then I show that company and explain why. You can even show two options. Mary I know you mentioned you only want to do business with a company that you know. 10k with a company called Security National is 50.00 but you probably don't know who they are. We also have MOO and their 10k is 55 per month.
Then if they pick MOO, just let them know if they send another card in, the next agent will just try to beat my price. If they want the cheapest let me know now and we won't go with MOO.
^^^That should be a VERY rare situation and not every house. They give their why, you show a solution. Only go away from that if you have to.
Another example is if they have a high priced policy with Grandchild rider added in. If you are going to replace, pick a company that also has that rider if it is important to them.
He did ask "bang for the BACK" ...I assume it to be a typo and he meant "BUCK" .He didn't ask best bang for the buck. He asked best "service" for the client.
Since the agent is the one providing the service it would follow that the company that provides the best service to the agent would the company that the client gets the best service from.
He did ask "bang for the BACK" ...I assume it to be a typo and he meant "BUCK" .