Yes, it is our role to explain but we should accept their decision even if it is not what we consider the right one.
Plan N
- Thread starter wehotex
- Start date
He says this to make him sound all high and mighty....like he is taking a huge paycut. He knows as well as agents know that is not the case. But the public only hears what he says. Reality is most Plan N's pay around 27% and Plan G is more like 20-22%. So if you say Plan G is $100 and Plan N is $80....then the difference in commission between N (at 27%) vs G (at 22%) is $5 FOR THE YEAR....I like a lot of his videos at times but this one has always pissed me off. So full of....
I have many very wealthy clients who never want to see any copay bills and are willing to pay more for Plan G, and even Plan F.
Start insisting on Plan N and pitching only dollars and cents to them and you'll have your ass handed to you.
REMEMBER: Everyone you talk to has what's called a primary interest, and a dominant buying motive. Money is NOT always their dominant motive. For many, including many who are financially savvy, often their time or peace of mind outweighs $20-30 a month.
The point is, you never know unless you ASK QUESTIONS, and then LISTEN. Do that intelligently, and you can wedge out every other agent they talked to.
That's "trusted advisor" vs "amateur".
Start insisting on Plan N and pitching only dollars and cents to them and you'll have your ass handed to you.
REMEMBER: Everyone you talk to has what's called a primary interest, and a dominant buying motive. Money is NOT always their dominant motive. For many, including many who are financially savvy, often their time or peace of mind outweighs $20-30 a month.
The point is, you never know unless you ASK QUESTIONS, and then LISTEN. Do that intelligently, and you can wedge out every other agent they talked to.
That's "trusted advisor" vs "amateur".
- 1,452
Plan N is not a good choice for people that are older and have health problems. They will more than spend the difference in premium on Doctors visits. Some of them have weekly Doctors's visits. N is for peope that are fully informed and willing to save $240 a year, and risk paying out up to 5x that much if they have problems.
- 1,452
Has anyone ever sold Plan K or Plan L ? Or, does anyone here have/had one?
- 6,458
I think @sshafran talked about selling K in a thread awhile back.
I think there was another thread where an agent -- maybe a friend of somarco's -- was going to go to an online seminar where someone was promoting K as the best thing since sliced bread (well maybe that's a bit of an exaggeration), but she never reported back on the seminar--at least that I caught at the time.
(and sorry, I won't volunteer to be a "science experiment" for you on those.
)
I have sold one Plan K I believe. Tiny commission...
My Mom is 88. I sold her a Plan F at age 65 from CLi. Just received a rate increase letter and her new premium is $242ish. She wouldn't change anything. FB is going to be around $220 for a Plan G age 65 in January so there is no way I could get her a lower premium.
My dad’s 90 and his anthem plan F is $532 a month . His rx with Aetna doubled to $69 a month . He’s been with Blue cross or Anthem health ins from 1968 straight . He’s in great health but won’t switch .
