What spaceship did you just come off? How can you be so sure that the client is going to pay ANY premium? It is called zero premium for a reason. You (nor anyone else) knows if and how this thing will work. Why are you so dogmatic? NO ONE KNOWS! That is the only thing you can be dogmatic about.
Spaceships, dogma and zero premium, good luck with that.
I was talking to a friend of mine, another agent who doesn't want to post here, wanted Dallas' number and he called her and called me back.
He said: "She sounds like a very sweet lady and was very "helpful" in explaining the "free life insurance".
She said that she really doesn't have it for sale nor is it really approved by any DOI yet, especially GA. That apparently the main problem is in calling it a "zero premium product". However, she expects it to be approved any day.
For now, until real approval, she is recruiting agents and using the people who call in wanting to take the policy as "leads" when final approval is finally given.
She said she is "just an agent", that the "big guys" have the information but can't share it with her YET. She also said they are changing the apps and all promotional info. and all should be ready VERY SOON."
There, now you have all the "real" information. NOT !
Sounds to me like she has solved her "lead problem".
------------------------------------ Professional Medicare Supplement Sales Training, Coaching and Support.
"The Perfect Contact Management Program (CMP) for the Insurance Professional" www.YourInsuranceOffice.com
877.633.0808
My name is Dallas Anderson and I am certified and licensed to help seniors understand the "new" zero premium life insurance policy for $15,000 in GA, SC, NC, VT, CA and other states. For information on the plan and how to verify if it is approved by the Georgia Insurance Commissioner, visit www.hustleandflowin2007.ws for more information or to set up an appointment for a home visit to apply for this policy. call 1-800-651-4138
Location: senior life insurance
it's ok to contact this poster with services or other commercial interests
PostingID: 320877293
Well, if she's already selling it, it must be with one of the following carriers:
Humana
Monumental Life
OM Financial Life
Pacificare
United Home Life
These are the only carriers Dallas is contracted with according to the Georgia DOI.
Let's look at another example...You meet with a retiree that has no savings, pension, etc. The only income they have is a $700 social security check to pay for their grocieries, heat, electric, prescriptions, car insurance, home insurance, health insurance, property tax, etc. They know they need life insurance coverage. At age 65, 75, 85, there really are no cheap term polcies for these people....not that I've seen. They know they need some life insurance to help pay for their funeral, final expenses, etc. They qualify health wise but they don't have a penny to spare for premiums.....you don't think these people wouldn't be interested in this. I've been in business for over 17 years...mostly medicare supplements. I've tried a few times to get in the final expense market but this was always the scenario I'd run into. No one could afford the premiums.
Please stop using this pathetic bleeding heart excuse to tout this non-product. Most people who can't afford to bury themselves are in that position due to poor financial planning...period. This is your way of convincing yourself that you are doing a good thing with a bad idea. FE insurance is not expensive. $40/month and they are covered and if they tell you they can not afford it, it means one of three things:
1. You did not convince them of its worth
2. They don't care about final expenses
3. They would rather pay $100/mo for their cigarettes and/or slot habits than $40/mo for FE insurance premiums
...Or they just did not trust or like you.
Whatever the reason stop claiming to feel sorry for poor seniors...Seniors hold about 70% of this nations wealth. If you want to sell it to make some money then just say so...it is okay...if it were a real product.
"No one could afford the premiums" should be telling you something else if you have been in the business for 17 years...but you seem to be able to sell medsupps at $100-$150/mo??
First and foremost, the product name has been changed. Effective, Friday, May 5th, the product will now be known as “No Cost to the Insured” Final Expense Plan. All future reference to the product will now be known as such.
Next week a "Train the Trainer" session for all upper level management will be held in Texas. Once they are trained and certified, the agency and field force agents will be next. It is uncertain at this time the type of the method which will be used (i.e. webinar, seminar, or teleconference). It will be dependent on what is conveyed in the “Train the Trainer” session.
I presently am not sure if the Welcome Kits with your writing numbers and supplies will be distributed immediately after the “Train the Trainer” session has ended, or upon the announced date and method of training for agents. All agents must be trained and certified prior to marketing the product so as soon as I know training dates and processes; I will let you know so that you can make the necessary arrangements to be available.
I want to thank you for your patience as we all eagerly anticipate the rollout. As we recognize this opportunity as it presents itself to all, please let’s keep in the forefront of our minds, that first and foremost we have been given the tools to help people and their families. In helping, we too shall then be rewarded.
First and foremost, the product name has been changed. Effective, Friday, May 5th, the product will now be known as “No Cost to the Insured” Final Expense Plan. All future reference to the product will now be known as such.
Next week a "Train the Trainer" session for all upper level management will be held in Texas. Once they are trained and certified, the agency and field force agents will be next. It is uncertain at this time the type of the method which will be used (i.e. webinar, seminar, or teleconference). It will be dependent on what is conveyed in the “Train the Trainer” session.
I presently am not sure if the Welcome Kits with your writing numbers and supplies will be distributed immediately after the “Train the Trainer” session has ended, or upon the announced date and method of training for agents. All agents must be trained and certified prior to marketing the product so as soon as I know training dates and processes; I will let you know so that you can make the necessary arrangements to be available.
I want to thank you for your patience as we all eagerly anticipate the rollout. As we recognize this opportunity as it presents itself to all, please let’s keep in the forefront of our minds, that first and foremost we have been given the tools to help people and their families. In helping, we too shall then be rewarded.
While I appreciate and welcome your post, be prepared, because the vultures are going to shoot this all to hell. There isn't really anything there that we didn't already know.
Sounds like you've been through the Darryl Nash seminar though. Right?
*Still no company name
*Still no investor info
*Not a single DOI has heard of it
*Warning on the NC DOI site
*Ali's still under current DOI investigation
I've heard rumors that Ali's looking for 100,000 agents. At $10 a pop well.....you do the math.
------------------------------------ Health Insurance Agents: Training, Support, Discounts, E&O for $440 www.ihiaa.com
Please stop using this pathetic bleeding heart excuse to tout this non-product. Most people who can't afford to bury themselves are in that position due to poor financial planning...period. This is your way of convincing yourself that you are doing a good thing with a bad idea. FE insurance is not expensive. $40/month and they are covered and if they tell you they can not afford it, it means one of three things:
1. You did not convince them of its worth
2. They don't care about final expenses
3. They would rather pay $100/mo for their cigarettes and/or slot habits than $40/mo for FE insurance premiums
...Or they just did not trust or like you.
Whatever the reason stop claiming to feel sorry for poor seniors...Seniors hold about 70% of this nations wealth. If you want to sell it to make some money then just say so...it is okay...if it were a real product.
"No one could afford the premiums" should be telling you something else if you have been in the business for 17 years...but you seem to be able to sell medsupps at $100-$150/mo??
Yes...I agree that seniors hold about 70% of the wealth. Not all of the seniors are well off though. Many are living below the poverty level. Medicare supplements are much easier because it's something most older people know they have to have. Final expense you would think would be the same but it's just not. I've had a lot of people just go with Medicare only because they couldn't even afford a Medicare supplement. It's not that I'm a bad agent and can't sell.
Last edited by CHUMPS FROM OXFORD : 05-08-2007 at 02:04 PM.
Reason: Edited at the request by someone I can't mention by name. But take my word...he is there. You'll see. I mean it! I swear!
My name is Dallas Anderson and I am certified and licensed to help seniors understand the "new" zero premium life insurance policy for $15,000 in GA, SC, NC, VT, CA and other states. For information on the plan and how to verify if it is approved by the Georgia Insurance Commissioner, visit www.hustleandflowin2007.ws for more information or to set up an appointment for a home visit to apply for this policy. call 1-800-651-4138
Location: senior life insurance
It's ok to contact this poster with services or other commercial interests
PostingID: 320877293
The hustle is no longer flowing. I wonder if the NCDOI had anything to do with stopping the flow?
------------------------------------
Keith Kessler
Citizens of Gotham City! Commisioner Gordon was correct when he announced to you, "Remember, those of you who paid your $10 by credit card, you have now compromised your credit card number, and similar or larger charges to the same merchant account could allegedly be made at some point - from offshore. Just something to think about."
Now, regarding the court dates, surely Ali does not have time to trifle with such petty things as traffic violations, things with which only lowly "common people" have to contend. Surely his lawyers are attending to a negotiation with the DA for such a minor infraction? Reminds one of the hypocrisy of Algore and John Edward's deriding admonishments that the "common people" conserve, whilst said senators' combined carbon footprint is surely the size of many Sasquatch.
The rent (if any - wasn't the dentist below involved?) for the 2nd floor office space, and a server/host for the website, etc. doesn't amount to a "pile of bat poop", if you will pardon the expression. Labor is your greatest expense, and it would seem, if memory serves, that a post implied that they are working in the office without pay for now, in hopes of future remuneration.
This just in: apparently Alfred fed the 3 names Insurancechick, Insurance0707, and pat77 into the batcomputer for analyses on a hunch (Alfred's good about that, you know). We can't figure out what came out: (insurance)2 + pat(chick) = 707077. Robin seems to think they are all the same poster, as the computer analyses alluded to all 3 writing styles being exactly the same, or very similar. But we really cannot discern a common IP address from deep inside the batcave, Superman would have to verify that with his x-ray vision. But then again, we REALLY need to upgrade the BatComputer, but John has been advising against it.
All for now, I hear Mr. Wayne is in diligent study, working on several projects, so that he might be able to HONESTLY fund, as well as sustain, several other important functions, necessary for the betterment of the citizens of Gotham City and abroad, not the least of which is an upgrade to the BatComputer software for advanced insurance analyses.
------------------------------------ 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
Just for kicks I googled "no cost final expense insurance." I came up with a hit on www.jobster.com, there is a posting by one Antonio Hollins at 10:35PM on 5/3/07 under the name "GA Senior Resources, Atlanta, Georgia." The requirement for the job titled Field Survey Representative is a GA life license, E&O insurance coverage, must pass a criminal background check, have reliable transportation with proof of insurance, the ability to complete a minimum of 10 surveys a day, minimum work week of 4 days and/or 40 surveys per month. It goes on to further describe conducting surveys door to door of seniors 65 to 85 in certain zip codes and/or areas.
Googled "zero premium life insurance" and came up with a craigslist posting in St Loius, MO. It says "Agents Needed," part-time job. Sell one a day and make $7,500 a month. Wow, that works out to $90,000 a year in a part time job giving stuff away! The contact is JabaraInsurance@aol.com.
Citizens of Gotham City! Commisioner Gordon was correct when he announced to you, "Remember, those of you who paid your $10 by credit card, you have now compromised your credit card number, and similar or larger charges to the same merchant account could allegedly be made at some point - from offshore. Just something to think about."
Now, regarding the court dates, surely Ali does not have time to trifle with such petty things as traffic violations, things with which only lowly "common people" have to contend. Surely his lawyers are attending to a negotiation with the DA for such a minor infraction? Reminds one of the hypocrisy of Algore and John Edward's deriding admonishments that the "common people" conserve, whilst said senators' combined carbon footprint is surely the size of many Sasquatch.
The rent (if any - wasn't the dentist below involved?) for the 2nd floor office space, and a server/host for the website, etc. doesn't amount to a "pile of bat poop", if you will pardon the expression. Labor is your greatest expense, and it would seem, if memory serves, that a post implied that they are working in the office without pay for now, in hopes of future remuneration.
This just in: apparently Alfred fed the 3 names Insurancechick, Insurance0707, and pat77 into the batcomputer for analyses on a hunch (Alfred's good about that, you know). We can't figure out what came out: (insurance)2 + pat(chick) = 707077. Robin seems to think they are all the same poster, as the computer analyses alluded to all 3 writing styles being exactly the same, or very similar. But we really cannot discern a common IP address from deep inside the batcave, Superman would have to verify that with his x-ray vision. But then again, we REALLY need to upgrade the BatComputer, but John has been advising against it.
All for now, I hear Mr. Wayne is in diligent study, working on several projects, so that he might be able to HONESTLY fund, as well as sustain, several other important functions, necessary for the betterment of the citizens of Gotham City and abroad, not the least of which is an upgrade to the BatComputer software for advanced insurance analyses.
I've been a member on this site when it used to be www.insurance-forums.com My old screen name was heather0707 back in 2006. Of course we all know John has our personal info and can verify this. As he outed some guy 3 or 4 pages back by looking up his insurance license, website, etc. and discovered that he was a recruiter. My website is pretty pathetic actually. I haven't updated it in 2 or 3 years. I don't know why I even have it. My point is, I didn't just fall off the turnip/zero premium life insurance wagon...I've been a member for awhile. I was interested when they came out with the zero premium MAPD plans just as I am interested in a zero premium...oops....no cost life insurance plan. It may not be right for everyone...but if legit, approved, etc....I would at least bring it up to my clients.
If it pans out do you think Ed McMahon & that guy from Jeopardy will be all over the tv like they currently are?
I can give you guys some legit info on helping people with low to moderate incomes on reducing or eliminating their prescription costs. This is one of the best websites I've ever found. It's It lists just about every medication and the guidelines to qualify on getting their medications for free or with a small copayment. They list the guidelines to qualify (usually just income, not savings) and you can even download the application to apply...which is usually just a one page app. very easy to fill out. Before Part D of Medicare came out, this is what I used quite a bit. If you have clients under the age of 65 that need help, this is a great site. Just thought I'd throw this in while we're twiddling our thumbs waiting for more info on the life thing.
Last edited by STIBROKER@AUSTIN.RR.COM : 05-08-2007 at 07:53 PM.
was correct when he announced to you, "Remember, those of you who paid your $10 by credit card, you have now compromised your credit card number, and similar or larger charges to the same merchant account could allegedly be made at some point - from offshore. Just something to think about."
surely Ali does not have time to trifle with such petty things as traffic violations, things with which only lowly "common people" have to contend. Surely his lawyers are attending to a negotiation with the DA for such a minor infraction? Reminds one of the hypocrisy of Algore and John Edward's deriding admonishments that the "common people" conserve, whilst said senators' combined carbon footprint is surely the size of many Sasquatch.
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