Register here for full access to our forums

Insurance Agent Forum
Join our Facebook Fan Page  Join our LinkedIn Group of Insurance Agents  Follow Insurance Agents Forum on Twitter
Currently Online: 131
Members: 15,417
Discussions: 18,088
Messages: 234,269

Go Back   Insurance Agent Forum > Insurance Agents and Brokers Forum > Senior Insurance Forum

Scroll down for a discussion on New zero premium life insurance policy/miracle/financial/group within the Senior Insurance Forum.

Look here is the deal ...word is miracle agency is terminating contracts if they find people outing this deal and agency's are rating out other ...


Reply to New zero premium life insurance policy/miracle/financial/group
Old 05-04-2007, 10:01 PM   #781
Guru
 
STIBROKER@AUSTIN.RR.COM on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,997
State: STIBROKER@AUSTIN.RR.COM is an Insurance Agent from Texas
Send a message via Skype™ to STIBROKER@AUSTIN.RR.COM
             Go to Top

Look here is the deal ...word is miracle agency is terminating contracts if they find people outing this deal and agency's are rating out other agency's to cxl contracts....which may be a good thing.....but at any rate I do not want to kill deals on this for people seeking the truth......so really if anyone has a solid on the 3 big don't go after each other.....
------------------------------------

Houston Life Insurance
Texas Life Insurance
e health insurance

Last edited by STIBROKER@AUSTIN.RR.COM : 05-04-2007 at 10:06 PM.
STIBROKER@AUSTIN.RR.COM is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group

Register Now for FREE!
Are you an Insurance Agent Forum member yet? To sign up for your FREE INSTANT account, fill out the form below!

Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:

    Question of the day:   What is the fifth letter of the word Insurance? Agree to forum rules 


Old 05-04-2007, 10:48 PM   #782
Expert
 
Join Date: Oct 2006
Posts:162
             Go to Top

Well I couldn't help myself

I just had to post one thing on this amazingly long thread -- looking back I wish I would of never brought it up -- but I suppose if not me - some other poor soul.

Mary
------------------------------------
You won't know unless you ask!!!!
email me at mdonaldson@insurer.com
Mary D.
maryjd123 is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-04-2007, 10:52 PM   #783
Expert
 
Join Date: Apr 2007
Posts:108
             Go to Top

Frank,

Thank you for your post. I am a vocal person... as I write more, you will understand my joke (and how it pertains to me... pretty much every woman that I know but I am a city girl so we are pretty vocal and aggressive) and I do agree it needed a HA HA or LOL. I have just really had a bad few days.

I have taken it personally... it would happen to you if you were constantly saying "I am not doing what people are writing" and the next post is about how they can't believe that I am doing the very thing that I just said that I was not doing and then when I would try to defend myself, I would have something rude said to me. It will wear on you after a while. Anyone want to see? LOL - just joking.

Thanks for the drink advice... I think I am going to need it...

Now I just want to move on... thank you STIBROKER, I am feeling better

Last edited by angwagner1974 : 05-05-2007 at 05:31 AM. Reason: removing babble that was unnecessary
angwagner1974 is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-04-2007, 11:09 PM   #784
Guru
 
Join Date: Mar 2007
Posts:3,557
State: senior-advisor-indiana is an Insurance Agent from Indiana
             Go to Top

Angwagner, did you say you were going to post a picture of you gettin freaky on the beach? Or did I miss read that?

Pat, I was referring to you not being here anyomore. I don't know why you would be. I don't know anyone that would take advice from you. You are pushy and trying to manipulate people when there are no facts. It seems the only reason you are here is to recruit. Tuff luck.

Well I am very sad there isn't any new info here, now I guess I get to worry all weekend long about the details.

Hey Frank, I am glad the ass joke wasn't to the wrong person lol, after I posted I was worried.

So< is everyone ruling warren buffet out?
senior-advisor-indiana is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-04-2007, 11:57 PM   #785
Guru
 
Frank Stastny on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Dec 2006
Posts:4,134
State: Frank Stastny is an Insurance Agent from Missouri
             Go to Top

Originally Posted by senior-advisor-indiana View Post

Hey Frank, I am glad the ass joke wasn't to the wrong person lol, after I posted I was worried.
Jacqueline is pretty cool, has a great sense of humor and has taken a lot of good natured kidding from all of our friends since she got her " new ass". She just loves to tell people that she now has two.

Angie, that doesn't require a response.
------------------------------------
Professional Medicare Supplement Sales Training, Coaching and Support.

"The Perfect Contact Management Program (CMP) for the Insurance Professional"
www.YourInsuranceOffice.com
877.633.0808
Frank Stastny is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 05:33 AM   #786
Expert
 
Join Date: Apr 2007
Posts:108
             Go to Top

Originally Posted by senior-advisor-indiana View Post
angwagner, did you say you were going to post a picture of you gettin freaky on the beach? Or did I miss read that?
that would certainly liven things up, huh? maybe after the product unveiling
angwagner1974 is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 06:42 AM   #787
Guru
 
healthagent on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:10,682
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

Well, without disclosing too much about a call I received yesterday I will say that a certain person is highly concerned that any fee has been asked and collected regarding a product that not only cannot be sold yet, but a product in which no details could be provided. That person stated that without a complete investigation being complete they would have suggested that Miracle - if they wanted to "pre-market" this product simply collect the names and info or all interested agents without charging them a "fee" and simply get back to them when they could provide details.

Remember, when you're dealing with certain entities you don't have to commit any crime or break the law to get into hot water - an ethical violation would do the trick.

Anyone's guess on whether or not it's ethical to collect fees from agents and not disclose anything?

I can go just a tad further w/o spoiling anything. There's better damned well be a "launch." Heaven forbid that this ends up going nowhere. In that case Miracle better be prepared to break out the checkbook and start writing "10" a bunch of times.
------------------------------------
Health Insurance Agents: Training, Support, Discounts, E&O for $440 www.ihiaa.com
healthagent is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 07:46 AM   #788
Guru
 
STIBROKER@AUSTIN.RR.COM on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,997
State: STIBROKER@AUSTIN.RR.COM is an Insurance Agent from Texas
Send a message via Skype™ to STIBROKER@AUSTIN.RR.COM
             Go to Top

Originally Posted by john_petrowski View Post
In that case Miracle better be prepared to break out the checkbook and start writing "10" a bunch of times.

Reminds me of that scene from the JERK....



------------------------------------

Houston Life Insurance
Texas Life Insurance
e health insurance
STIBROKER@AUSTIN.RR.COM is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 08:13 AM   #789
Guru
 
CHUMPS FROM OXFORD on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Mar 2007
Posts:6,226
State: CHUMPS FROM OXFORD is an Insurance Agent from Ohio
             Go to Top

If there were securities involved...the SEC and/or NASD would already have done some on-site (unexpected) visits. They don't mess around.
------------------------------------
Ohio Health Insurance Quotes
Affordable Pennsylvania Health Insurance
Service since 1980 and Miami University Hockey Booster
Sporting News Fantasy Football Champion
CHUMPS FROM OXFORD is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 08:19 AM   #790
Guru
 
healthagent on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:10,682
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

And if we come to find that this all mysteriously falls through and the $10 isn't refunded then maybe an attorney general's office investigation?

The 15th is coming quickly, isn't it.
healthagent is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 08:30 AM   #791
Guru
 
healthagent on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:10,682
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

This is the stuns me:

http://www1.aoc.state.nc.us/www/cale...t=Submit+Query

Gets pulled over and charged with DWLR - get's a 5/08 court date. Apparently after that citation gets back in the car, SPEEDS on a revoked license and yet another charge in Guilford County to appear in their court on 6/01

Let me cover my butt - just because you get cited for something doesn't mean you're guilty. However, IF he actually got citied for driving while revoked in Orange County then hopped back in the car and drove yet again with the audacity to speed then he qualifies as possibly the world's more retarded human. Time will tell.
healthagent is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 08:33 AM   #792
JSF
Expert
 
JSF on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Apr 2007
Posts:242
             Go to Top

Originally Posted by john_petrowski View Post
Anyone's guess on whether or not it's ethical to collect fees from agents and not disclose anything?
Granted, we don't have much information. Alfred ran everything that we do have, back thru the batcomputer, and what keeps coming out is "Modified, Simplified, one-shot, one-level, Ponzi scheme". Doesn't make sense, but then the weather has been really weird around here lately.

Originally Posted by john_petrowski View Post
There'd better damned well be a "launch."
Aside from launching the batmobile, when questionable ethics are involved most launches we've heard about around the batcave have been "destination: out of the country".


------------------------------------
Nature has established patterns originating in the return of events, but only for the most part. -- Gottfried von Leibniz 1703
Under similar conditions, the occurrence (or non-occurrence) of an event in the future will follow the same pattern as was observed in the past. -- Jacob Bernoulli Ars Conjectandi 1713
JSF is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 08:40 AM   #793
Super Genius
 
Join Date: May 2007
Posts:56
SO this is where the cool people are?             Go to Top

Well after reading 79 pages I had to join and respond.

First I have signed up for the opportunity to MAYBE sell this product IF it becomes available.

Second, I did not have to pay $10.

There seems to be erroneous inormation here that Ali and Miracle have an exclusive on this deal...FAR from it. That being said they should be ashamed of themselves for charging $10..Disgraceful. Ali should be investigated and criminal charges laid if possible!!!!

Here is what I have been told on this deal. One of the reasons for the secrecy is that there are some very upset Insurance companies over this product (Surprising to anyone??). As many of you know it is just as difficult getting a product approved as it is the marketing material. that is also part of the delay! Without outing this completely, one of the MGA's who gets the bulletin from his DOI where this product has supposedly been approved, recieved a fax about his product. Nothing negative...but it has upset the apple cart with other companies!!!!

These boards have not helped as nosey rosies have been calling DOI's causing concern where there may not be any.

To someone here who said they called a DOI who hadn't heard of the product, and you acted like this was evidence. Are you a rookie in this business??? Call Medicare 5 times to a question and try figure the correct answer. We are still dealing with the govt. and these DOI's never have the brightest bulbs working there...Anyone want to argue that???

There is no ONE investor!!! I can't believe anyone buys that there was one investor??? If you have been in the annuity business at all you know how many billions of dollars are out there wanting SAFE money to pass on to heirs...THINK about that for a minute.

I will say here that I am in a wait and see mode. I am excited about the prospect if it works. I ran the idea past a few of my medicare customers and they all said YES! I have agents that could sell easy 100 per month...So optimistic...YEAH!!!

Going way back on this thread a few of you were talking about morals in selling this "product". Here is my take. I used to work with a lot of churches with many in very poor areas. On of their biggest expenses were funerlas because people didn't have the money for ANY insurance. this put a burden on the entire community. So lets not sit on this board all high and mighty like there is no application for this product. Would I tell someone to cancel an existing product...absolutely not. But the add on would be nice. For those folks I spoke of in the poor neighborhood it would be a blessing!!! I pray every morning regarding my work that I am a blessing to someone. If this product is as advertised, it could be a blessing for a lot of people.

In closing, I hope it works but I am not holding my breath.... 15th couldn't come soon enough!

Thanks for the entertainment kids.... Success to all!
floridabroker is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 08:58 AM   #794
JSF
Expert
 
JSF on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Apr 2007
Posts:242
             Go to Top

Oh, and Alfred dropped this little tidbit on his way up for tea last night: Apparently Paris Hilton was sentenced to 45 days in jail for, among other things, driving a $190K BENTLEY with a REVOKED driver license. (Not totally sure about those details because Alfred is getting old and it was late...)


JSF is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 09:07 AM   #795
Guru
 
healthagent on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:10,682
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

Originally Posted by floridabroker View Post
Well after reading 79 pages I had to join and respond.

First I have signed up for the opportunity to MAYBE sell this product IF it becomes available.

Second, I did not have to pay $10.

There seems to be erroneous inormation here that Ali and Miracle have an exclusive on this deal...FAR from it. That being said they should be ashamed of themselves for charging $10..Disgraceful. Ali should be investigated and criminal charges laid if possible!!!!

Here is what I have been told on this deal. One of the reasons for the secrecy is that there are some very upset Insurance companies over this product (Surprising to anyone??). As many of you know it is just as difficult getting a product approved as it is the marketing material. that is also part of the delay! Without outing this completely, one of the MGA's who gets the bulletin from his DOI where this product has supposedly been approved, recieved a fax about his product. Nothing negative...but it has upset the apple cart with other companies!!!!

These boards have not helped as nosey rosies have been calling DOI's causing concern where there may not be any.

To someone here who said they called a DOI who hadn't heard of the product, and you acted like this was evidence. Are you a rookie in this business??? Call Medicare 5 times to a question and try figure the correct answer. We are still dealing with the govt. and these DOI's never have the brightest bulbs working there...Anyone want to argue that???

There is no ONE investor!!! I can't believe anyone buys that there was one investor??? If you have been in the annuity business at all you know how many billions of dollars are out there wanting SAFE money to pass on to heirs...THINK about that for a minute.

I will say here that I am in a wait and see mode. I am excited about the prospect if it works. I ran the idea past a few of my medicare customers and they all said YES! I have agents that could sell easy 100 per month...So optimistic...YEAH!!!

Going way back on this thread a few of you were talking about morals in selling this "product". Here is my take. I used to work with a lot of churches with many in very poor areas. On of their biggest expenses were funerlas because people didn't have the money for ANY insurance. this put a burden on the entire community. So lets not sit on this board all high and mighty like there is no application for this product. Would I tell someone to cancel an existing product...absolutely not. But the add on would be nice. For those folks I spoke of in the poor neighborhood it would be a blessing!!! I pray every morning regarding my work that I am a blessing to someone. If this product is as advertised, it could be a blessing for a lot of people.

In closing, I hope it works but I am not holding my breath.... 15th couldn't come soon enough!

Thanks for the entertainment kids.... Success to all!
The biggest mistake was the decision to spam every city in the US with Craiglist ads touting this product.

Whoever is actually putting this together has the IQ of a hamster for saying a single word about this to anyone without DOI approval.

Once the product was formally approved and all information could be disclosed do you have any idea how fast you could recruit agents? You could provide the company name, investor info and obviously the DOI stamp approval. It would be a feeding frenzy.

But no. Someone got had one too many espressos and decide to spam ads all over the place. Then it's stall after stall after stall.

Piss poor marketing decision to round out agents before any info can be given and you all are getting what you deserve with agents starting to complain.

You want good advice? Don't sign up another agent until this all gets approved.
healthagent is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 09:14 AM   #796
Guru
 
Frank Stastny on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Dec 2006
Posts:4,134
State: Frank Stastny is an Insurance Agent from Missouri
             Go to Top

Originally Posted by john_petrowski View Post
And if we come to find that this all mysteriously falls through and the $10 isn't refunded then maybe an attorney general's office investigation?

The 15th is coming quickly, isn't it.
Don't discount the possibility of Mail Fraud as in the case where people were running ads saying "This is your last chance to send your $5.00 to..."

There was no product or service and I believe they went to prison because the money was sent through the USPS.

Anyone who has had the $10.00 what ever fee sent to them should look into this further. The government loves to follow paper trails.
Frank Stastny is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 09:16 AM   #797
Guru
 
healthagent on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:10,682
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

Well, how 'bout on the 15th if nothing is released we all just post Craigslist ads asking for people to reply who paid the $10 fee. We can try and round everyone up we can find who paid the $10.

However, and just is just a pure guess - complete shot in the dark - but I'd say hardly anyone remitted the fee. You can't get most agents to contract for legitimate products when there's no appointment fee. Most ads were just Craigslist spam - very cheesy no-class ads. I can't imagine too many people actually filled out an online form and paid $10. Could be wrong, but I doubt it.

How many people here paid the fee? I'd say about zero.

Last edited by healthagent : 05-05-2007 at 09:19 AM.
healthagent is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 09:25 AM   #798
Guru
 
STIBROKER@AUSTIN.RR.COM on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,997
State: STIBROKER@AUSTIN.RR.COM is an Insurance Agent from Texas
Send a message via Skype™ to STIBROKER@AUSTIN.RR.COM
             Go to Top

Originally Posted by floridabroker View Post



These boards have not helped as nosey rosies have been calling DOI's causing concern where there may not be any.


I will say here that I am in a wait and see mode.

Really...then maybe the Florida DOI would like to know why your advertising it as a Product......
http://sigurdsonmarketing.com/insurance.aspx



Being Successful Together!


Home Insurance/Financial Services Services Products About Us Site Map Contact Us
*New Product Announcement*


New Final Expense Insurance!
  • $15,000 Death Benefit
  • Zero Premium
  • Simplified Issue - 5 health Questions

Contact us for details!

Sigurdson Marketing is the "Safe Money Expert" of the Space Coast.






------------------------------------

Houston Life Insurance
Texas Life Insurance
e health insurance
STIBROKER@AUSTIN.RR.COM is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 09:32 AM   #799
Guru
 
STIBROKER@AUSTIN.RR.COM on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:3,997
State: STIBROKER@AUSTIN.RR.COM is an Insurance Agent from Texas
Send a message via Skype™ to STIBROKER@AUSTIN.RR.COM
             Go to Top

Seems floridabroker has left to go change his site......

------------------------------------

Houston Life Insurance
Texas Life Insurance
e health insurance
STIBROKER@AUSTIN.RR.COM is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Old 05-05-2007, 09:53 AM   #800
Guru
 
healthagent on New zero premium life insurance policy/miracle/financial/group - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:10,682
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
             Go to Top

Congrats on all of your recent appoitments Clayton. My advice since you're obviously new selling most product is to not advertise for products that are not yet available.
healthagent is offline   Reply With Quote to New zero premium life insurance policy/miracle/financial/group
Reply to New zero premium life insurance policy/miracle/financial/group

  Insurance Forum > Insurance Agent Forum > Insurance Agents and Brokers Forum > Senior Insurance Forum



Thread Tools
Display Modes

Similar Threads with New zero premium life insurance policy/miracle/financial/group
Thread Thread Starter Forum Replies Last Post
10,000 Single Premium Life Policy midwestbroker Life Insurance Forum 15 10-08-2009 04:53 AM
Tips to buy a Life Insurance Policy. What is the average price of life insurance ? bhartiaxa Senior Insurance Forum 16 08-18-2009 01:11 PM
Premium Financed Life Insurance 77flanery Life Insurance Forum 224 09-11-2008 10:44 PM
Purtian Financial/United Financial group lalisa13 General Insurance Agent Discussions 1 05-17-2008 10:21 PM
Single Premium Life Insurance Winter Life Insurance Forum 24 05-09-2008 02:31 PM



All times are GMT -5. The time now is 07:33 AM.


Powered by vBulletin® Version 3.6.12 Secure
Copyright ©2000 - 2010, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.3.0