FEX Contracting Commission Levels

[DonP]

I'm only going to recommend replacement when it's in their interest to do do.

That's after I have all their info. What are they paying and for how much?

What's the cash value?

What's the loan balance, if any?

WHY did you send this card in?


Now, how's your health?

And don't tell me to not write FU.

I'll decide that. I have FU skills too.

Just because you don't doesn't mean others don't.

But if I can't improve their situation based on their WHY? then I will tell them that. And I will tell them to not let anyone else tell them differently.

I get a lot business years later because I tell people that.

And you obviously don't know what companies are in Ky.

The last AmAm I replaced this week the guy had $10K for $60/mo. It wasn't terrible. He was a smoker.

His WHY was wanting to add on. IM was $86/mo for $15K. He was good with that but I had a company at $76/mo for $15K. That's where he is now.

You just don't know what you don't know.

That's bs I ran the quoter in your state and all your carriers . And yes I know underwriting . I'm talking cancer 2-3 yrs ago . Severe heart issues . Im the smartest agent on the planet . You used Illinois mutual smoker rates . Only 12% of people smoke anymore . Cica barely cheaper . You're lucky as hell you're in a non contestable state so anything you replace pays the claim. In other states don't work like that .

 

[theinsuranceman]

That's bs I ran the quoter in your state and all your carriers . And yes I know underwriting . I'm talking cancer 2-3 yrs ago . Severe heart issues . Im the smartest agent on the planet . You used Illinois mutual smoker rates . Only 12% of people smoke anymore . Cica barely cheaper . You're lucky as hell you're in a non contestable state so anything you replace pays the claim. In other states don't work like that .

Right on point.

 

[jdeasy]

That's bs I ran the quoter in your state and all your carriers . And yes I know underwriting . I'm talking cancer 2-3 yrs ago . Severe heart issues . Im the smartest agent on the planet . You used Illinois mutual smoker rates . Only 12% of people smoke anymore . Cica barely cheaper . You're lucky as hell you're in a non contestable state so anything you replace pays the claim. In other states don't work like that .

You do not know what you don't know.

Policies are contestable in Ky. And I don't just work Ky either.

I don't work any differently in Ky than in other states.

The quoters are often incomplete.

If you rely on incomplete information to work I can see why you live under a cloud.

And I did not use IM for that guy. I already said IM was $86/mo and I used $76/mo.

You may be the greatest agent in the world but you can't read.

And I run into far more than 12% smokers. Again, you just don't know what you don't know.

The sky is only falling on you and the SL pimp.

 

[jdeasy]

Right on point.

Right on wrong points.

But being wrong doesn't matter to a pimp.

You guys are so angry.

Just join up with a professional FE IMO and get an education.


It will change your life.

 

[DonP]

You do not know what you don't know.

Policies are contestable in Ky. And I don't just work Ky either.

I don't work any differently in Ky than in other states.

The quoters are often incomplete.

If you rely on incomplete information to work I can see why you live under a cloud.

And I did not use IM for that guy. I already said IM was $86/mo and I used $76/mo.

You may be the greatest agent in the world but you can't read.

And I run into far more than 12% smokers. Again, you just don't know what you don't know.

The sky is only falling on you and the SL pimp.

95% of your business in ky . I'd est 75% of your business replacement which isn't contestable. You replace with impunity knowing all your replacements will pay the claims

 

[theinsuranceman]

Right on wrong points.

But being wrong doesn't matter to a pimp.

You guys are so angry.

Just join up with a professional FE IMO and get an education.


It will change your life.

So you are recruiting again? lol

 

[noah]

You do not know what you don't know.

Policies are contestable in Ky. And I don't just work Ky either.

I don't work any differently in Ky than in other states.

The quoters are often incomplete.

If you rely on incomplete information to work I can see why you live under a cloud.

And I did not use IM for that guy. I already said IM was $86/mo and I used $76/mo.

You may be the greatest agent in the world but you can't read.

And I run into far more than 12% smokers. Again, you just don't know what you don't know.

The sky is only falling on you and the SL pimp.

Probably 60% of my people are tobacco.
In WV and southwest Virginia obesity and tobacco use is easily in the top 5 in the USA.

Kentucky has got to be right there with them ?

What % of your FE clients use tobacco?

Best tobacco rates for me:
Cica
Am Am
Mutual

What are yours ?

 

[DonP]

Probably 60% of my people are tobacco.
In WV and southwest Virginia obesity and tobacco use is easily in the top 5 in the USA.

Kentucky has got to be right there with them ?

What % of your FE clients use tobacco?

Best tobacco rates for me:
Cica
Am Am
Mutual

What are yours ?

He also uses Illinois mutual who's nonsmoker/smoker rates the same . Illinois mutual smoker rates 20% cheaper than am am or cica. Somebody posted the app on here one time and as i recall it was much stricter than a regular underwriting from a am am or Sbli . Jd can comment on how lenient their underwriting is . Just for your info i looked it up . West Virginia is the #1 smoking state at 21.4% and KY #17.4%. Obviously when you break it down to lower income and education it will be much higher %'s

 

[noah]

He also uses Illinois mutual who's nonsmoker/smoker rates the same . Illinois mutual smoker rates 20% cheaper than am am or cica. Somebody posted the app on here one time and as i recall it was much stricter than a regular underwriting from a am am or Sbli . Jd can comment on how lenient their underwriting is . Just for your info i looked it up . West Virginia is the #1 smoking state at 21.4% and KY #17.4%. Obviously when you break it down to lower income and education it will be much higher %'s

I use Planet Fitness,Anytime Fitness……Gym staff,Managers,gym members smoke,vape outside the front door where there are "No Smoking" signs prohibiting smoking within 100ft of the shopping center.

I often see members finishing a smoke in their vehicle when I'm parking my vehicle upon arrival.

Even some of the hottest chicks that work out join staff out front in between sets and take a smoke break before resuming their workout with zero shame.

You would never see this in Florida.

 

[rmhaire]

You would never see this in Florida.

So what would we see in Florida?

You guys down there rolling joints on the leg press machine.