Insurance Forum

Life Insurance / Medicaid Recipient Policy

pedros — Thu, 17 May 2012 06:41:04 GMT

I am not sure about that but owning more than that would result in a violation of Medicaid's rules, and possibly cause her to be kicked off Medicaid.may be its false.

Is Anyone Here Knowledgable About Viaticals?

pedros — Thu, 17 May 2012 06:37:21 GMT

This term are really connected with different terms.Viatical life settlements are the latest craze with investors It seems making money off of one''s death has become even easier with viatical life settlements- and for investors it often pays out fairly well under good circumstances Viatical life settlements are the latest craze with investors.

What Makes a Good Sales Manager?

tins — Thu, 17 May 2012 06:17:34 GMT

Quote:

Originally Posted by The Rabbi (Post 540799)

Most managers get their power through their title rather than their experience.

Rabbi, you didn't really do what was said, did you?
I had a high opinion of you, I really hope it was a misunderstanding.

Interview with Farmers

tins — Thu, 17 May 2012 06:13:06 GMT

Quote:

Originally Posted by Red Blooded American (Post 540871)

Why did YOU comment on a nearly 2 year old thread???

Lol, damn those mods. They removed the post I commented on, making it look like I was the one bumping a 2 year old thread. Damn you all!!! :twitchy:

Female 55 and Depression Meds

WinoBlues — Thu, 17 May 2012 05:37:29 GMT

Quote:

Originally Posted by TexasAgent

Lee, I just emailed you Americo's Telephone Sales Guidelines.

Thanks. Have I mentioned that you are da bomb?

Selling LTC Online: Whats Needed?

CALTCAgent — Thu, 17 May 2012 05:26:03 GMT

Thanks for the posts!

Are there certain FMO's that support online sales or are these techniques/technology something you don't need FMO support for as you can do on your own?

I ask because my FMO's don't know much about online LTC sales, I am on high contracts though and don't need them for much anyway.

I talked to one FMO, and they promote that they train in online sales and might have some "proprietary software", not sure what it does or if its something you really need. The problem is they offer low contracts.

JMH in Miami Dade..

Josh — Thu, 17 May 2012 05:20:48 GMT

Tu madre es bonita!

.

Reference Usa

DHK — Thu, 17 May 2012 05:16:36 GMT

If you uncheck the 1st 25 listings and then select the next page of 25 listings, it may let you download the next one.

Well, my library's access does. I've also found that it's the only one that has done that.

YMMV

Need a Little Help - Company?

jdeasy — Thu, 17 May 2012 05:11:08 GMT

Quote:

Originally Posted by crimsontideagent (Post 541086)

I got $89/mo with MoO - is that close to what you got? Making sure... ;-)

Monumental is also at about $90. But, not if on insulin for the diabetes. Contrary to popular posting on the forum Monumental is terrible for insulin diabetics.

Dividend-paying WL

jdeasy — Thu, 17 May 2012 05:03:10 GMT

Quote:

Originally Posted by BNTRS (Post 541071)

Well if that where true, I'd need to find something else to do in this industry. Good news for me is it doesn't look like I'm going anywhere.

Still looks like smoke and mirrors to me. I'll tell you what, you send me a $100 a month and I will give you back $30 a month. You can go around all you want and tell people that I'm giving you $30 a month. We won't mention the $100 you're paying me so that I can seem like this swell guy that gives out $30 a month.
- - - - - - - - - - - - - - - - - -

Quote:

Originally Posted by AllGold (Post 541076)

I just wanted to say thanks for the suggestions and info. You folks have been great. Very much appreciated!

I'll be taking a look at LaFayette and Guardian for sure and maybe Ohio National.

I'm not so sure about that.

I won't get into actual rates only the relative difference. Lets just say RNA $50K 20-pay is X per month. Country Life $50K 20-pay is X+$36.60. That's $8784 over 20 years. But the Country Life policy shows an illustrated DB at current rates of over $75K (non-guaranteed of course). Obviously, the RNA policy after 20 years is still $50K. Is it worth the difference in cost? I don't know.

But I'm thinking it's probably better to go with something like a $40K face on a dividend-paying carrier and still come out ahead after 20 years.

If you don't use thr real rates and illustrations it's all gobbledygook. If your point is valid, why not use real numbers?

Dwelling Fire

arnguy — Thu, 17 May 2012 04:13:24 GMT

My advice is call 911 for a dwelling fire!:swoon:

Getting Started - Big Plans!!

eharriett — Thu, 17 May 2012 04:12:31 GMT

Hi Danielle, welcome. And welcome to the business. It is very rewarding, both personally and professionally, but requires hard work.

Like any other profession, it requires a skill set. Do you have any experience with health insurance (I too, assume that's what you're looking to sell based on the companies you named)? If not, as already suggested, consider a mentor to help you in the learning experience. Assuming Florida is the same as Ohio, getting the insurance license is just basic competency. Their goal is to teach you to know what you don't know, in addition to the basic laws of your state. Everything else is up to you.

As far as one stop shopping, my partner and I have that setup for Medicare supplements and Medicare advantage. Not every company works with independents, and you **might** want to consider starting off with a marketing organization to take some of the load of appointing and getting properly set up off your shoulders. They may even help with some training. But tread carefully. There are some really great marketing outfits out there, and some very bad ones. Ask around before you commit to any. We recently dumped ours for new business because we could handle what they were doing for us better ourselves, and we think those guys were actually one of the good ones.

My partner and I came from a captive agent situation in 2007 and went independent. In our opinion, you can't beat it! But that's our experience. Every day, we wake up loving our job and our clients (most of them). The insurance professional organizations were the ones that really helped us out as independents. Primarily NAIFA, who reached out to us within a week of us severing ties with our former employer (captor?). Later, we were sought out by NAHU because word got around our main focus was health insurance. These groups are around to help advocate agents, regardless of whether or not they work as independents or companies. They may be helpful to you as well.

Finally Have Gonads to CC -- But Need Help.

Jessebjobe — Thu, 17 May 2012 04:06:22 GMT

Call me simple but I cold call and have a lot of luck with it and I would simply say, "Hi, Mrs. ___ This is Brad and I'm with ____ and I'm just calling to see if I can help you lower the cost of your ____. Do you currently have ____? "YES" Well, I have been helping a lot of your neighbors (HAVE AN EXAMPLE) save on _____ and I'd love to drop by and give you some literature on "your product" and with all that is happening in the insurance world now I really believe I could save you some money. THEN IF YOU FEEL COMFORTABLE and you FEEL the conversation needs it (you have to develop a sence of these calls over time) say, "I don't know if you know Mrs. ____, matter of fact I just spoke with her, but I was able to save her ___$ on her policy and I feel I could help you as well. I'm usually not far from you, what would be the best time to drop by and give you a brochure?

This works for me....it's all I do.......You have to be sincere and actually like what you do and it'll come through on the phone

Is This a Phantom Co.?

arnguy — Thu, 17 May 2012 04:05:37 GMT

BTW I really used to like the Phantom comic strip!:twitchy::twitchy::twitchy:

Health insurance in New Jersey

arnguy — Thu, 17 May 2012 04:03:04 GMT

OMG is there some way to prevent these ancient threads from being bumped.....unless they are regarding "zero premium life insurance"?

Health Insurance Marketing

arnguy — Thu, 17 May 2012 04:00:13 GMT

Quote:

Originally Posted by TRK3031962 (Post 508181)

Excellent translation! Did you have to attend school for that or did you just pick it up from the local Ukarainian community? ;)

I agree. STI did a great job with the translation.:yes:

Basics of Life Insurance - Ratings and Balance Sheets of Life Insurance Companies

Brokers Alliance — Thu, 17 May 2012 03:57:14 GMT

Basics of Life Insurance - Ratings and Balance...

Writing a DP-3 for a Homeowner??

FexQuotes — Thu, 17 May 2012 03:56:46 GMT

Actually Farmers DF-3 is almost a complete HO-3. The significant difference is the DF-3 excludes theft.

For some folks, the savings can make a big difference. In urban markets the price difference is quite significant

Corporate Disability Insurance (DI)

Brokers Alliance — Thu, 17 May 2012 03:54:50 GMT

Corporate Disability Insurance (DI) - YouTube

Contracts with Frank Stastny

Sam — Thu, 17 May 2012 03:54:06 GMT

I think that anyone who actively solicits someone who identifies themselves as being contracted through Frank is despicable. If anyone was contacted, feel free to forward the pm's to me.

Agents Copy Entire Pages of My Site

arnguy — Thu, 17 May 2012 03:45:13 GMT

IMHO plagarism runs rampant on college campuses!

Liability Question

arnguy — Thu, 17 May 2012 03:37:22 GMT

Doesn't he have to get clearance from the FAA?

Frank Stastny - RIP

arnguy — Thu, 17 May 2012 03:35:50 GMT

Quote:

Originally Posted by xrac (Post 541056)

The forum is not the same without him. :no:

Amen, brother!:yes::yes::yes:

All Quiet on the Homefront

pahealthquotes — Thu, 17 May 2012 03:33:11 GMT

Quote:

Originally Posted by AllenChicago (Post 541028)

I just read that over 475 staff members assist the Supreme Court justices. Given human nature, it's amazing that nothing has leaked out of there regarding the PPACA decision. It's already been made, they're just writing up their summaries, or whatever you call it.

It's too bad that there are no longer any news people or organizations with the resources, or trust that's required to get an inside advance scoop on a decision that will affect almost everyone in this country.
-ac

yupp, extremely valuable info right there.. stock market implications and IMO if its thrown out ( fingers crossed ) will ultimately decide who our next President will be. I'm fairly certain the individual mandate will be tossed but the real questions is what remains. Tick Tock, Tick Tock

Books And/or Trade Magazines

WinoBlues — Thu, 17 May 2012 02:35:05 GMT

Quote:

Originally Posted by xrac (Post 541055)

I suggest the LUTCF because my understanding is that it will help develop sales skills not so much insurance knowledge. I have not taken either.

Sales skills trump advance insurance knowledge when you are starting out.

I know a lot of CLUs that can not sell for shite. Many home office VPs and managers have CLU and a list of other letters after their name. And could not make a living selling insurance. Are there some big hitters that are CLU you betcha also some that are not.

Sales skills and prospecting skills will trump advanced alphabet soup in the early years.

IMHO

Medicare Guide

taterpeeler — Thu, 17 May 2012 02:33:36 GMT

Quote:

Originally Posted by GreenSky (Post 541041)

Please repeat that into my carnation.

Rick

Dang nark.......Blabla

Final Expense Program

WinoBlues — Thu, 17 May 2012 02:23:02 GMT

Quote:

Originally Posted by Ken5880 (Post 541051)

Can you send me your correct email address so I can send you a message about getting more info on this UL product?

You may be waiting awhile. http://crownfingroup.com/

.

From Call-center to Indy

dubya4472 — Thu, 17 May 2012 01:48:03 GMT

Quote:

Originally Posted by insurance enthusiast (Post 540954)

Greetings esteemed insurance masters -

I seek your advice on finding the right IMO for H&L

I do not want 4 or 5 girlfriend IMO's each with her own finer points - I want a wife IMO that does her job and does it well!

Currently I am a noncaptive agent at a call center brokerage and hold 20+ non res licenses Most biz conducted in AK, CA, NV, TX, CO, FL, PA, MI, TN

At the end of the day, who would you recommend as a reliable and efficient IMO/FMO? - opinions and experiences welcome!

What are you wanting to sell? Term life, final expense, med supps, med advantage, individual health?

Illinois Major Med Needed

Nimos — Thu, 17 May 2012 01:31:46 GMT

I had someone in my family get on this program about 18 months ago and I don't remember their pre-existing condition not being covered. Have your mother's friend call the # and ask them to make sure it won't be covered: 800-962-8384 (if in IL). They are pretty helpful, although she may be on hold for a bit. It doesn't hurt to ask. I have no "expertise" to offer in this area, just personal experience.

Liars!

nyc2phi — Thu, 17 May 2012 00:32:19 GMT

Did you start with office and staff or are you running a home office?

What kind of background do u have in insurance ?