So what is the deal with this? Any LH producers actually use this with their presentation?
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So what is the deal with this? Any LH producers actually use this with their presentation?
So what is the deal with this? Any LH producers actually use this with their presentation?
Ha!! Newby you and I disgree alot but that is hilarious!! Trailer in a cornfield!!
Actually, it's an old converted barn. I've been there. The office is quite nice. The record keeping is immacualte. Towner is a former funeral home owner and a former life insurance agent.
Once a policy is out of contestability, a member's funeral costs will be paid within 24 hours of death. Not within 24 hours of a death certificate, within 24 hours of death. If the family uses the FCGS, they will save $1000's on the funeral cost. I personally witnessed a transaction where they saved one family in Utah over $4000 on the cost of the casket alone.
It is a great benefit. It is not worth having to buy an LH policy to get, however.
Agreed about the saving 4,000 bucks on a casket.
Unless you're Michael Jackson, you can buy a helluva casket for way less than $4,000 nevermind save that much.
People just need to go visit their local funeral home, EVERY PRICE for EVERY piece of merchandise and service HAS TO BE given to them upon request.
Granted Funeral directors can negotiate with the family at time of need to save the deal but not that much.
Go to the local funeral home, get the "General Price List" as it is called. (Might be 8 to 10 pages long)
Circle your choice of caskets, merchandise and services and leave it with the policy.
Family will be happy knowing they are meeting your final wishes.
And send your favorite charity the 60 bucks.
On the one I saw, the funeral home was trying the family almost $7000 for the casket. It was the powder blue Praying Hands casket which, at the time, was the number one selling casket in the US. The wholesale to the funeral was about $1000. They told the funeral home operator that they could lower the rate or they would have one drop shipped to the funeral home by 8:00 am the next day. The funeral home lowered the price to just over $2000.
If a person knew that a funeral home had to accept delivery from another source and could not tack on any fees for handling and were in a negotiating mood at the time of the funeral, they could have done this themselves without the FCGS.
JD, with all due respect the casket you are describing is the Batesville Stainless Steel Blue Mist. It has never been the top selling casket in the US and I can pretty much assure you it has never been in the top 25. And if there is a funeral home somewhere selling it for $7,000 they are making a LOT of money on it. That's WAY over the retail price from any funeral home I've ever heard of. And there are plenty of similar-looking caskets available from China and Mexico that are MUCH cheaper and made of regular steel if someone wants a cheaper version of it.
Most funeral homes mark up caskets 2.5 times. If a casket costs them $1,000 they would retail it for $2,500. There are exceptions that mark them higher but they are not too common. All funeral homes have caskets that look good starting at $1200 to $1500 these days and caskets that are less attractive for less.
That Lincoln Heritage sham company can not offer anything that anyone can not do themselves. Shop the price. Go with the cheaper funeral home and order the casket from Wal-Mart. Anyone can do that. You don't need to buy an overpriced life insurance policy to accomplish that. You can offer that service free to your own clients just like LH does.