Since I'm as earned anyway that doesn't concern me. Since I deliver policies anyway, that doesn't concern me either. The draft dates is not an issue and I don't chose to make it one. As for the other math, I've already been over that with you several times. First off, I don't have that many 120% contracts. And the ones I do won't take many of the people that KSKJ will take. So how does that matter on the commission? Oh goody, I could have made more if they would have taken that person they wouldn't! That's some sound business advice right there. Let's just compare to your goto. I believe you to be on 110% but I might be wrong. They pay on the policy fee but they pay on the annual rate instead of the modal rate so that's almost a wash on the policy fee. So you will make 10% more by writing them over KSKJ. OK, fine for insulin dependent and such. The person pays about the same and you make 10% more. What if that person is not on insulin? Then could get select. You are putting the person in a higher priced plan. But you do make more money. And that's this discussion. But it's also a personal discussion and you are responding to my statement of making more money with KSKJ. Before KSKJ I would have put that healthy person on your goto companie's FU. They also don't pay on the same $50 policy fee, they still pay on the annual amount and it's 85% commission. Therefore I made more money by using KSKJ. Then let's ask if the person has COPD. Before I wrote very few of those because people didn't want to pay Trans standard rates or UP2's rates or Equitable's rates. Now I write quite a bit of COPD because I can get them a competitive rate. Again, I make more money because I'm writing business that I previously would not have written. Then we have cases that KSKJ will take level that others will not. I can name very quickly 3 cases I've written in the last couple months that I went back to once I got KSKJ. All 3 of those are over $125/mo cases. They were people I met with and couldn't get them level coverage and didn't write them anything. Not at any commission. Now I've ben able to get all 3 level coverage. That certainly made me more money. Add in that I don't write GI. I refer those to MoO because I never had anything I could write that was comparable to what they could get from MoO. Since having KSKJ I've written 4 modified plans that would have been referred to MoO. That's money I would not have made. Then besides the money there's something I say all the time, or for the last couple of years anyway, I want to work with companies that make my job easier, not harder. KSKJ makes my job easier. Then there's the good will. They are a Christian fraternal. I live in the bible belt. People here really like that they are a Christian company. Still, all of that is pretty much worthless if the rates weren't like they are. I'm giving people a great value and my refferals have increased since I've added KSKJ. I've always gotten quite a bit of referrals and maybe it's just a coincidence that they are up since I started using KSKJ in July? But they are up. I was with EFES for 5 years. My top contract was 100%. I guess I struggled through years.I should be able to climb this gigantic mountain that some see? Maybe because it looks like a downhill run to me? ---------- That's not really facts, that's playing with numbers. on a $100/mo it's 96% true commission. You can do that stuff all day. They do not pay on the $50 policy fee. Not everyone offers 100% contracts with them. I know of one IMO that was offering 80%. They don't cut commissions on the older ages. They are looking at paying on the policy fee. I don't know what the naysayers will say then but I'm sure they will find something. But even with that negativity, he's going on their trip anyway.
