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We have referrals for different parts of the country that are looking for retirement advice. I am looking to partner them with agents who are ...


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Old 08-24-2009, 01:48 PM   #1
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We have referrals for different parts of the country that are looking for retirement advice. I am looking to partner them with agents who are currently selling fixed or indexed annuities. We are not selling these, all we require is that you sign up with a couple of our carriers and contact these prospects. We realized the best way to start a partnership is offer agents something upfront. So...if interested, send me an email, or call, and I can tell you a little more about BHC. Hopefully, this will be a good fit for the both of us. Thanks!
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Old 08-24-2009, 03:11 PM   #2
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Originally Posted by aguilartx View Post
We have referrals for different parts of the country that are looking for retirement advice. I am looking to partner them with agents who are currently selling fixed or indexed annuities. We are not selling these, all we require is that you sign up with a couple of our carriers and contact these prospects. We realized the best way to start a partnership is offer agents something upfront. So...if interested, send me an email, or call, and I can tell you a little more about BHC. Hopefully, this will be a good fit for the both of us. Thanks!

Do you provide an up-front release in writing?
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Old 08-24-2009, 04:51 PM   #3
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Originally Posted by insuranceexec View Post
Do you provide an up-front release in writing?
Yes we do, for any of the 6 core carriers we represent.
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Old 08-24-2009, 06:01 PM   #4
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Originally Posted by aguilartx View Post
Yes we do, for any of the 6 core carriers we represent.

Very good. That speaks volumes about your presence here. Thanks for being one of the good guys........

May I ask why you only allow this for your core carriers?
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Old 08-24-2009, 10:29 PM   #5
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Originally Posted by insuranceexec View Post
Very good. That speaks volumes about your presence here. Thanks for being one of the good guys........

May I ask why you only allow this for your core carriers?
Actually, we will give an upfront release in writing for any of our carriers...I guess I didnt make that very clear. I appreciate the the interest!
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Old 08-25-2009, 12:27 AM   #6
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What carriers do you sell for and at what commission rate are you expecting to hire on?
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Old 08-25-2009, 09:35 AM   #7
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Originally Posted by scotpoole View Post
What carriers do you sell for and at what commission rate are you expecting to hire on?
We represent: Sun Life, Old Mutual, American Equity, ING, Forethought, and Life of the Southwest.

We pay street level commission, above steet level if you meet certain carrier criteria. If interested, give me a call or email and we can discuss further. Thanks!
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Old 08-26-2009, 05:18 AM   #8
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How many referrals a month are you handing out?
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Old 08-26-2009, 12:17 PM   #9
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Originally Posted by padthaiforlunch View Post
how many referrals a month are you handing out?
Initially, we can give 5-10 depending on availablity. After that, it depends how much business you write through our carriers...Basically, if you are producing regularly...you will never pay for referrals, or any other of our services. Email if interested and I can tell you how many I have in your area. Thanks.
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Old 08-26-2009, 12:48 PM   #10
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Originally Posted by aguilartx View Post
Initially, we can give 5-10 depending on availablity. After that, it depends how much business you write through our carriers...Basically, if you are producing regularly...you will never pay for referrals, or any other of our services. Email if interested and I can tell you how many I have in your area. Thanks.
Are these referrals from your agents?

Or, are you calling leads a referral?

You mentioned not having to pay for them; what do you mean exactly?


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Old 08-26-2009, 01:54 PM   #11
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Originally Posted by insuranceexec View Post
Are these referrals from your agents?

Or, are you calling leads a referral?

You mentioned not having to pay for them; what do you mean exactly?
These referrals/prospects are from Dr. Shelby Smith from The Retirement Pros Inc., whom we have a relationship with. They provide investment advice (including newsletters and radio shows) on social security, IRA's (including Roth), 401Ks, and Medicaid. Our producing agents never have to pay for these prospects as long as they submit cases through our core carriers.
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Old 08-26-2009, 03:20 PM   #12
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Originally Posted by aguilartx View Post
These referrals/prospects are from Dr. Shelby Smith from The Retirement Pros Inc., whom we have a relationship with. They provide investment advice (including newsletters and radio shows) on social security, IRA's (including Roth), 401Ks, and Medicaid. Our producing agents never have to pay for these prospects as long as they submit cases through our core carriers.

On average how many referrals does he produce?

How much do the referrals cost if they are not submitted through your core carriers?
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Old 08-26-2009, 04:50 PM   #13
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Originally Posted by insuranceexec View Post
On average how many referrals does he produce?

How much do the referrals cost if they are not submitted through your core carriers?
Sorry, but we will not sell them to 3rd parties because we are an IMO, meaning we make money by submitting cases through our carriers...not by selling prospects. We would be out of biz pretty quick if this is all we did. They are available if you sign up with a couple of our carriers though...hope this helps.
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Old 08-26-2009, 05:10 PM   #14
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Originally Posted by aguilartx View Post
Our producing agents never have to pay for these prospects as long as they submit cases through our core carriers.

So there is no cost?

How long have you been in the business?
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Old 08-26-2009, 05:20 PM   #15
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Originally Posted by insuranceexec View Post
So there is no cost?

How long have you been in the business?
BHC has been in business 22 years...we have had this program for almost 3 years. We are based out of Houston, TX. We represent: Sun Life, American Equity, ING, Forethought, Old Mutual, and Life of the Southwest.
How bout you guys?
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Old 08-26-2009, 10:07 PM   #16
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Originally Posted by aguilartx View Post
BHC has been in business 22 years...we have had this program for almost 3 years. We are based out of Houston, TX. We represent: Sun Life, American Equity, ING, Forethought, Old Mutual, and Life of the Southwest.
How bout you guys?

How long have YOU been in the business?
- - - - - - - - - - - - - - - - - -
Originally Posted by aguilartx View Post
These referrals/prospects are from Dr. Shelby Smith from The Retirement Pros Inc., whom we have a relationship with. .
In reading from your website it says that Shelby is the president of BHC.

Here you say he is with The Retirement Pros Inc; which is it?

Last edited by insuranceexec : 08-26-2009 at 10:12 PM. Reason: Posts merged
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Old 08-26-2009, 11:14 PM   #17
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Originally Posted by insuranceexec View Post
How long have YOU been in the business?
- - - - - - - - - - - - - - - - - -


In reading from your website it says that Shelby is the president of BHC.

Here you say he is with The Retirement Pros Inc; which is it?
You read the affiliation here
The Retirement Pros - About Us - Financial Retirement Plans | Retirement Services
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Old 08-26-2009, 11:19 PM   #18
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Originally Posted by aguilartx View Post

I actually read it from your website. They seem to be the same people; am I wrong?

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How long have you been in the insurance business; either selling or marketing?
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Old 08-27-2009, 10:08 AM   #19
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I've worked with BHC for a few years now (just 2 carriers). I am not famialar with this referral program he is mentioning but I have a feeling it is thier internet lead program which are produced from 'the retirement pros' website.
I have used some other leads from them with varied success, I can say they do offer free leads w/o reduced commissions when you submitt business. They offer a ton of marketing support which does seperate them from other imo's i've worked with.
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Old 08-27-2009, 10:50 AM   #20
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Originally Posted by insuranceexec View Post
I actually read it from your website. They seem to be the same people; am I wrong?

About Us - Management Profiles

How long have you been in the insurance business; either selling or marketing?
I previously sold annuities/mutual funds for a national securites firm, was there for 3 years. I came on the wholesale side this year, been with BHC since Feb.
You are a wholesaler as well, right? How long have you been in the biz?

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