If it would be possible to meet them face to face then it would be better to do so. Supplemental insurance are most likely to be dependent on some principal product so it is not so promising when you only depend on such to support you for a living.
If it would be possible to meet them face to face then it would be better to do so. Supplemental insurance are most likely to be dependent on some principal product so it is not so promising when you only depend on such to support you for a living.
I agree. I was selling for AFLAC and that is a hard road there. Learned a lot and shifting gears right now. I still offer aflac but I don't work for them I work for me now!
------------------------------------ Excalibur Benefits
Larry Roberts
Larry.Roberts(at)Excaliburbenefits. com
I agree. I was selling for AFLAC and that is a hard road there. Learned a lot and shifting gears right now. I still offer aflac but I don't work for them I work for me now!
You think the duck is the best value?
What about Combined?
Doesn't Colonial penn offer product?
Whose the best typically?
I'm only appointed with American General right now. I'm just trying to figure out if it would be worth my while to add more carriers & pursue this more aggressively.
I'm only appointed with American General right now. I'm just trying to figure out if it would be worth my while to add more carriers & pursue this more aggressively.
American General has excellent basic supplemental products, and they are competitively priced.
Read the fine print and compare to others such as Colonial and Aflac, and you can honestly sell the value in their portfolio. I just replaced a Colonial L&A Cancer policy with AG's and it was more appealing to the client.
I'm on the brokerage side, but their supplemental products/prices are the same. You can make a living selling just supplement products, but it would be more difficult with just one carrier. All of them have slightly different twists on Accident, CI, and Cancer policies.
I wouldn't lead in with anything else. If they want something else, they'll tell you. If you canvass lower income people, they won't be able to afford it if you load them up and will drop everything. The persistency on well placed cancer products is incredible, but if you do it captive, the renewals will not be yours, if you leave the company.
------------------------------------ The secret of success is constancy to purpose.
American General has excellent basic supplemental products, and they are competitively priced.
Read the fine print and compare to others such as Colonial and Aflac, and you can honestly sell the value in their portfolio. I just replaced a Colonial L&A Cancer policy with AG's and it was more appealing to the client.
I'm on the brokerage side, but their supplemental products/prices are the same. You can make a living selling just supplement products, but it would be more difficult with just one carrier. All of them have slightly different twists on Accident, CI, and Cancer policies.
I wouldn't lead in with anything else. If they want something else, they'll tell you. If you canvass lower income people, they won't be able to afford it if you load them up and will drop everything. The persistency on well placed cancer products is incredible, but if you do it captive, the renewals will not be yours, if you leave the company.
-------------------------
You're talk'n indie correct?
Aflac, Colonial and American general?
Want to turn key off of our health clients.
How about some ph. #'s?
You're talk'n indie correct?
Aflac, Colonial and American general?
Want to turn key off of our health clients.
How about some ph. #'s?
Thanks, but I was just making an assertion that it's possible to make a living selling only supplements and build a good renewal stream. I've gotten too involved with other products now to ever go back to doing just supplements, unless that's the only thing available.
The only cancer and accident policies that I market are AG's, but I have worked with current clients that had the other carrier's policies and assisted them with understanding them in terms of their benefits.
Colonial is top notch, I've been with them a little over a year now. Like any other insurance be prepared to work your butt off, this ain't easy.....at all.
Thanks, but I was just making an assertion that it's possible to make a living selling only supplements and build a good renewal stream. I've gotten too involved with other products now to ever go back to doing just supplements, unless that's the only thing available.
The only cancer and accident policies that I market are AG's, but I have worked with current clients that had the other carrier's policies and assisted them with understanding them in terms of their benefits.
How does the CBL Ci policy and the AG Ci policy compare? Why one over the other?
A friend of mine has been selling supplement plans for 15 yrs knocking on doors. He is ex Combined agent thats gone indy.
He brags that he has never pick up the phone to set an appointment or spent a dime on marketing.
He is one of those guys like Mark who is a constant sellling machine on 24/7. This guy see's opportunity everywhere. I've seen him write apps in front of my home to a couple guys working on the road , waitresses, a guy at the filling station pumping gas.
No secret to his success, he starts out every day talking to as many people as possible residental, small business owners anyone that will give him 5 minutes.
Aflac isn't just the problem. Selling supplemental is the problem. People need it, but it's not what people really need! They need Health first, then supplemental. There are too many companies knocking on the same businesses trying to sell supplemental. I've been with Aflac over a year and have over 30 accounts. But i'm still broke. Not enough commission or businesses that want to do any supplemental. Go with Health and then supplemental.
Selling Supplemental Insurance
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