Why Are You in the Insurance Business?

The_Scholar · 09-04-2009, 07:05 PM

First of all, let me introduce myself. I am Kou Lee from Michigan. We're an ethnicity group that just come here since 1975, after the Vietnam War is over. Many of the war veterans have no insurance as of right now, and they are senior citizens already. Each of the funeral cost over $25K, therefore they finally open up their eyes to see that insurance is needed, but they're too old to even afford it.

I, as a grandson decided to help them but so far have find no luck because all of the campanies I joined only teach me to recruit and have no product designed to their needs. Those that have the product is way way overpriced.

VolAgent · 09-04-2009, 07:54 PM

First of all, welcome and congratulations.

My question is, do you know what product these men need? Based on what you've stated, it sounds like they need a Final Expense policy, FE policy. There are many, many companies offering such a product. Second, why do you say that they are overpriced? Is it because the companies you've looked at have products that are more expensive than their competitors, or is it because it is simply more than they can afford?

arnguy · 09-04-2009, 08:55 PM

Welcome. Sometimes I wonder why myself.

Franz Kafka · 09-05-2009, 02:31 AM

Originally Posted by The_Scholar

I, as a grandson decided to help them but so far have find no luck because all of the campanies I joined only teach me to recruit and have no product designed to their needs. Those that have the product is way way overpriced.

That sounds like a lot of B.S to me. Every carrier I know will write 25k whole life or guaranteed universal life and they are NOT overpriced. How many companies have you worked for? How many products have you looked at? Is your heart really in this? I have several Vietnamese clients and they were all the toughest sales I had to make. You need to get more serious if you are really serious about this.

Sincerely.

pomfin · 09-05-2009, 10:20 AM

Originally Posted by Franz Kafka

That sounds like a lot of B.S to me. Every carrier I know will write 25k whole life or guaranteed universal life and they are NOT overpriced. How many companies have you worked for? How many products have you looked at? Is your heart really in this? I have several Vietnamese clients and they were all the toughest sales I had to make. You need to get more serious if you are really serious about this. Sincerely.

You are right about Vietnamese. They seems having a culture not to believe life insurance. That is my experience, tough sale.

mcmillian-1 · 09-06-2009, 04:27 PM

I got in the business to help as many people as possible. All the best to you.

theinsuranceman · 09-06-2009, 04:33 PM

I got into the business because I like abuse. Now I can get paid for it.

GreenSky · 09-06-2009, 05:13 PM

I'm a people person. That's why I'm in this business. I just love people.

Rick

CHUMPS FROM OXFORD · 09-06-2009, 08:44 PM

I got in the business so I could remainder of post removed by President Obama.

YouGotMyMoney · 09-06-2009, 09:16 PM

I am in this business to make large amounts of money.

Plain and Simple.

DS4 · 10-09-2009, 08:39 AM

"Why Are You in the Insurance Business?"

In my state, with 3 felony convictions, you can still sell insurance.

JustinUpright · 10-10-2009, 01:30 AM

Originally Posted by DS4

"Why Are You in the Insurance Business?"

In my state, with 3 felony convictions, you can still sell insurance.

And your state is Alabama?

stormtracker · 10-10-2009, 01:42 AM

Originally Posted by DS4

"Why Are You in the Insurance Business?"

In my state, with 3 felony convictions, you can still sell insurance.

That's funny!

WinoBlues · 10-10-2009, 03:03 AM

Originally Posted by The_Scholar

First of all, let me introduce myself. I am Kou Lee from Michigan. We're an ethnicity group that just come here since 1975, after the Vietnam War is over. Many of the war veterans have no insurance as of right now, and they are senior citizens already. Each of the funeral cost over $25K, therefore they finally open up their eyes to see that insurance is needed, but they're too old to even afford it.

I, as a grandson decided to help them but so far have find no luck because all of the campanies I joined only teach me to recruit and have no product designed to their needs. Those that have the product is way way overpriced.

Hi Kou,

Welcome. As to Life Insurance. Living in the California Central Valley we have many South East Asian clients. They are great clients. Larger premiums, Like permanent policies, few lapses. Biggest challenges are the Phone interview, All the payors coming together and on the larger cases justifying the face amount. There are many policies that work for them.

Why did I get into Insurance? Got tired of working for a living.

arnguy · 10-10-2009, 10:19 PM

Originally Posted by CHUMPS FROM OXFORD

I got in the business so I could remainder of post removed by President Obama.

Huh? Ed, would you please translate your post into English.

DHK · 10-11-2009, 12:40 AM

Make a lot of money while doing a lot of good for people.

Alston · 10-11-2009, 02:18 AM

I got into the business because I wanted to make good living and have the freedom of taking time off when I wanted to.

I'm finally able to make a decent living now after over 20 years in the business. I now only work when I'm awake.

CHUMPS FROM OXFORD · 10-12-2009, 05:23 AM

Originally Posted by arnguy

Huh? Ed, would you please translate your post into English.

I don't know what happened. He's everywhere!

HealthGuy · 10-12-2009, 05:59 AM

I'm in the business to only sell policies of third tier health carriers like GTL, IHC, USHealthGroup, American National, and World Insurance. Are these companies endorsed by AL3?

al3 · 10-12-2009, 06:12 AM

Originally Posted by HealthGuy

I'm in the business to only sell policies of third tier health carriers like GTL, IHC, USHealthGroup, American National, and World Insurance. Are these companies endorsed by AL3?

You mean an endorsement like this:

YouTube - Hillary endorces Obama