Build and Automate Your Agency Online

moonlightandmargaritas · 07-03-2009, 08:28 PM

Hey Rick,

Did "Chuck Morgan" ever produce any videos for you?

Rick Liuag · 07-03-2009, 08:37 PM

Originally Posted by moonlightandmargaritas

Hey Rick,

Did "Chuck Morgan" ever produce any videos for you?

Yes Chuck Morgan has done some video production for some of my sites. But it's not his primary business. He's new to the insurance business, and just took his test a short time ago. I believe he was recruited and is contracting through a IMO in Temecula CA.

sman · 07-03-2009, 08:53 PM

Originally Posted by Rick Liuag

But I do have one last question for the group but not the entire damn forum. Does my unrenewed CA license really negate the 5 yrs of successful online selling via the tools and techniques I used, and the things I do now to generate income via affiliate sites etc. that don't require a current resident license, to the point that it completely invalidates the information in an ebook?

Not at all. But had you come on here, proven yourself and followed the rules, it may have gone much better. Everyone who has made some type of complaint about your posting has contributed something to this forum (maybe not this thread, but definitely to the forum). You haven't. You saw a place where you might be able to make a quick buck. You won the battle, but you may have lost the war.

I'm sure many of us always want to find ways to improve. I don't do much online in the way of marketing/sales. I do a good bit over the phone. So as I said in an earlier post, your information may be of great benefit to many of us. But when someone shows up and makes their first post an offer to sell something and does it outside of protocol, we assume you have one motive. Then you attack those who have called you out on your error as if we are less than. Maybe we weren't too friendly about it, but as I said, we are somewhat protective of the rules.

Take Frank for example, maybe you haven't read any of his stuff in the Senior Forum, he has a CRM program. Many here have purchased it. But that isn't his motive here nor his primary source of income. He has added much to the forum and offers assistance to anyone who wants to call him (on his dime I might add). He has proven himself.

I'm not making this about the child support. I realize sometimes the courts aren't too friendly to fathers. I have a friend who has to pay 1/3rd of his GROSS salary. So after taxes his ex- gets just as much of his check as he does. I get it. I really do.

Maybe you can continue to hang around and actually contribute and not sell.

moonlightandmargaritas · 07-03-2009, 08:58 PM

[COLOR=blue]"Yes Chuck Morgan has done some video production for some of my sites"[/COLOR]

That's kind of odd Rick. Here's what Chuck posted:

Originally Posted by Chuck Morgan

not sure what your referring to but if you are suggesting anything I have no idea where mr liuag is located.

Originally Posted by Chuck Morgan

I just see a guy offering a book to help people start out and I had already bought it.

Why would he claim not to know you?

healthagent · 07-03-2009, 09:01 PM

We're also a bit protective here. We had a guy named Mark Meurer come here and hawk some Ebook or course on how to sell online.

Upon further investigation he didn't even hold an insurance license, the license was in his wife's name with no appointments. Then it turns out he's also trying to sell mortgage courses and some telephone system.

It's trial by fire here - ask Rob Liano, however despite the intense grilling Rob held up and is doing quite well. My suggestion is if you really have something of value to offer just stick around and offer us some steak along with the sizzle.

insgrl2000 · 07-03-2009, 09:08 PM

"""But I do have one last question for the group but not the entire damn forum. Does my unrenewed CA license really negate the 5 yrs of successful online selling via the tools and techniques I used, and the things I do now to generate income via affiliate sites etc. that don't require a current resident license, to the point that it completely invalidates the information in an ebook?"""
YES
As for loosing your means of making a living by way of not TAKING CARE OF YOUR KIDS you are a scumbag of the lowest calibur. To actually be taken to court for back child support means you were just not paying it at all.

BTW this is from "the entire damn forum" that has been reading your sleezy spam post.

Rick Liuag · 07-03-2009, 09:09 PM

Originally Posted by moonlightandmargaritas

[COLOR=blue]"Yes Chuck Morgan has done some video production for some of my sites"[/COLOR]

That's kind of odd Rick. Here's what Chuck posted:

Why would he claim not to know you?

Chuck Morgan's quote didn't state he didn't know who I was. He stated he didn't know where I was located. He was responding to the post insinuating that I was either double posting or the posts were coming from the same IP. Chuck Morgan doesn't know where I live nor has he ever been to my home. He asked for the ebook because he was getting his license to supplement his income at the invitation from a personal friend of his who's a n IMO and wanted something that might help him to learn how to sell online. I can't speak for him but I can only guess that he would figure that any of you could figure out that if he had purchased an ebook from me that we might have some interaction.

moonlightandmargaritas · 07-03-2009, 09:24 PM

[quote=insgrl2000;169997As for loosing your means of making a living by way of not TAKING CARE OF YOUR KIDS you are a scumbag of the lowest calibur. To actually be taken to court for back child support means you were just not paying it at all.

[/quote]

You're jumping to an awful lot of conclusions here.

As Scott M. posted, family courts are notorious for being stacked against fathers. Until you've got the whole story, your judgement is premature.

Why is it that we never hear about mothers who interfere with their children's visitation with their father?

Rick Liuag · 07-03-2009, 09:25 PM

Originally Posted by insgrl2000

"""But I do have one last question for the group but not the entire damn forum. Does my unrenewed CA license really negate the 5 yrs of successful online selling via the tools and techniques I used, and the things I do now to generate income via affiliate sites etc. that don't require a current resident license, to the point that it completely invalidates the information in an ebook?"""
YES
As for loosing your means of making a living by way of not TAKING CARE OF YOUR KIDS you are a scumbag of the lowest calibur. To actually be taken to court for back child support means you were just not paying it at all.
BTW this is from "the entire damn forum" that has been reading your sleezy spam post.

INSGRL200
The child in question now lives with me and is quite well taken care of at this point but thanks for the concern. But that doesn't eliminate the legal battle still going on. Sorry for the raunchy post ....I only thought there were angry men on this forum...I had no idea there were angry ladies as well...please accept my apologies for being inappropriate.

insgrl2000 · 07-03-2009, 09:39 PM

""Why is it that we never hear about mothers who interfere with their children's visitation with their father?"""

Moonlight,
You are right about that, we never do. Sorry and sad..

CHUMPS FROM OXFORD · 07-03-2009, 09:41 PM

Rick...What about this comment: "Norvax (which he is a customer and gets remuneration from for referring business to"

That is a flat-out lie isn't it?

Rick Liuag · 07-03-2009, 09:56 PM

Originally Posted by CHUMPS FROM OXFORD

Rick...What about this comment: "Norvax (which he is a customer and gets remuneration from for referring business to"

That is a flat-out lie isn't it?

Ed
When I was a Norvax customer from 2004-2008 they offered remuneration in either free prospect zone leads or free months of Broker Office & Site Lever for referring agents to Norvax. If you aren't or have never taken advantage of this program then I do retract my statement and apologize. In that same spirit I would ask you to expound on your comment: "Someone last week was just telling me about the book. They said it was a piece of crap and a complete waste of their time" because it wasn't anyone that I spoke with that had purchased the ebook. I don't take offense that someone said it and some would probably think that it is, however, I think the comment might have more validity if it was coming from a agent and not one of the companies covered in the book.

CHUMPS FROM OXFORD · 07-03-2009, 10:14 PM

Well...I assure you that Norvax has never paid me anything. And believe me...I would gladly accept any money they want to throw my way, although I would still "tell it like it is" regarding their product.

The person I was referring to called me (my phone number is available to all) and told me exactly what I posted. The conversation was brief and I really did not give it a second thought. If that person is reading this thread, maybe he can provide his name and details.

Rick Liuag · 07-03-2009, 10:17 PM

Originally Posted by CHUMPS FROM OXFORD

Well...I assure you that Norvax has never paid me anything. And believe me...I would gladly accept any money they want to throw my way, although I would still "tell it like it is" regarding their product.

The person I was referring to called me (my phone number is available to all) and told me exactly what I posted. The conversation was brief and I really did not give it a second thought. If that person is reading this thread, maybe he can provide his name and details.

And Ed
They can feel free to contact me and I will gladly refund his money right back to his paypal acct, no questions asked.

Dave020 · 07-03-2009, 10:19 PM

No need to explain why your license is on hold, but perhaps just a small diclaimer or notice to that effect. Nothing in depth but just so agents would know that it is not simply that you dropped off of the radar of the insurance world. Just a thought.

John P is correct, you are kind of stuck following some others who have been less than honest and honorable, so unfortunately you get held to intense scrutiny due to the protectiveness of this forum group.

I will have some time tomorrow evening while dodging the legal (ugh) fireworks here in Gilroy to review your e-book if you want to e-mail it to me dave@davefluker.com

Dave

PS - Everyone have a great 4th, eat lots of BBQ (or Tofu if you swing that way), have a few cold ones (M&M NOT at Mons Venus!) and enjoy the summer.

saleen247 · 07-06-2009, 11:54 AM

Not really interested in paying a lot of money on an e-book. This fourm is supposed to be about helping each other. can some post a link to the book for the rest of us. thanks

GreenSky · 07-06-2009, 12:03 PM

Originally Posted by saleen247

not really interested in paying a lot of money on an e-book. This fourm is supposed to be about helping each other. can some post a link to the book for the rest of us. thanks

Are you suggesting that someone provide a link to get a free copy of someone's work? Wouldn't that be somewhat unethical? Actually, that would be completely dishonest and you should be ashamed you suggested it.

Welcome to the forum.

Rick

CHUMPS FROM OXFORD · 07-06-2009, 01:14 PM

"fourm is supposed to be about helping each other."

Rick is right. But you are right too (see above). There is an incredible amount of help you'll get (free) on this Forum.

Use the search button and you'll be busy for a while.

Street Savvy · 07-07-2009, 03:05 PM

Originally Posted by Dave020

I am hesitant to comment on this thread. However, I think some clarification is in order.

I showed this thread to my RSM. He told me there is no such producer status and that he cannot imagine another RSM doing something like that. Either way, it is not really very important.

He is my new RSM (territory change, he's been doing it 10 years) and when we met for coffee a month or so ago and I explained what it is I do, he went from confused to clear to amazed. I feel bad for him as the bulk of my monthly production is nothing he gets paid on. He stated at that time that he knows of no other agent in California who does what I do nor approaches health insurance in the same manner.

Most other agents and most RSMs in CA have no real idea what I do. They look at some numbers and make a judgement based on a false assumption. Most of my production is not reflected anywhere in any status sheet.

As an example, on Dec 30 last year (my last working day) I processed and enrolled 24 HIPAA applications in 8 hours amongst 4 carriers. 3 per hour for 8 straight hours. I was tired. Good way to end the year. Nowhere on any status sheet or production value would any of those appear for credit.

As to mentoring, who exactly would be able to mentor me if the RSMs don't even understand what I do (nor do the carriers themselves)? Quite a few CA agents who produce much more underwritten business send their HIPAA cases to me! They don't even want to mess with them and some of them might be A or B level producers (whatever that might mean).

As for a business plan and goals, I have it and it is very simple. 1000 subscribers on the books then maintenance. I am getting closer to that every day. My target is 1 per day, and I meet that every month (often exceed it).

I work for a fraction of standard commission and make up for it on volume. 5 underwritten applications on Dec 30 would probably have earned me more in commission (and upped my producer "status") than the 24 I did. C'est la vie. I do what I do because no one else really wants to do it. 24 people who were uninsurable on that day got health insurance, that is what matters to me. Not how it shows up on some subjective status sheet.

Sometimes it is amusing. Had case for June 1 enrollment that I got enrolled in under 48 hours for HIPAA. Got a call from a former co-worker of that client in the exact same situation, exact same paperwork and supporting docs. They were hung up in enrollment pending a doc my client did not supply. Mine got approved, the other agent's did not. And on identical docs.

Have a client who was denied HIPAA enrollment because the carrier felt the supporting doc from out of state was "late". Spend an afternoon with my RSM fighting over that one. At one point the admin for a VP at the carrier told the RSM to have the client sue the carrier because they were not going to enroll her. Ended up VP herself had to come in on a Sunday to review the file, and HIPAA coverage was issued Monday morning fully retroactive.

I take great pride in what I do and enjoy working in the GI market. If that makes me less of a producer than the big houses or an agency with staff, so be it.

Awesome Dave, thanks for the clarification. Please accept my apology for being a hard ass to you. Much respect to Dave.

Dave020 · 07-07-2009, 05:13 PM

It's cool and thanks. I am just the HIPAA guy in CA. I also do a fair amount of 2-person spousal group. I work primarily in GI major medical.

I did find out that both of my RSMs (each Blue) do get some kind of credit for my HIPAA production. I guess it kind of back-ends into some formula the carriers use with them on an overall or something. I don't feel so bad if they are getting something out of it, although I'd still write it anyway

I had to quit doing MRMIPs due to the waiting period. Those are actually more difficult than HIPAA and only pay the one-time $50 fee. But it does help people and people you help refer you to others who need help (and often they are good risks).

This business is really about having fun with what you do. Whether it be underwritten, GI, group, large group self-funded, voluntary, corporate or whatever floats the boat. I know many here, myself included, have spent time in dead-end jobs where even going to work in the morning is almost impossible. This should be fun. Everyday a new adventure, run your own schedule, go golfing or wine tasting and network or just relax. Go to you kid's softball game. We are in a great business, we help people, and we get paid for it. Enjoy it.