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I've always run into people that I could have put with CICA. But since I didn't write GI I referred them to mofo or PM.I'm curious Jd about something . I understand how you could basically go in any home with Kskj and replace any policy on price . So you get a lead and they bought am am or American memorial 2-4 yrs ago . You have nothing in your bag were your cheaper now . They want no more ins . Are you walking away saying " miss Johnson you're in good shape ". You quoted a while back you've sold 70 cica . It's a crazy overpriced product for 80% of people . How are you suddenly running into all these sick people that would need cica ?
I don't have to with CICA.
And a lot of the CICA I wrote early was people that had been declined by others.
And CICA is actually cheaper than KSKJ standard for a smoker.
It does make it a little more difficult not having KSKJ. But I just write FU when it fits.
Whatever people have they had that when they sent in the card. So they are shopping.
If they have had a policy for several years then it's got cash. We get on the phone and get details. If I can make a recommendation I will.
If I can't improve the situation I'm gone.
But it goes back to the start. I find their WHY in the first 5 minutes. If no WHY then I'm out of there in 5 minutes. I don't present to uninterested people.
I miss having KSKJ in the bag but I did over $20K in Jan. And I'm at about $12K this month.
I don't sit around and wallow in pity. I never worry about the sky falling. If it falls, it falls.
If it ever becomes a problem not having KSKJ then I'll just get leads in Indiana and use PFA and SoN.
That's less driving than I do now to go to Indiana. Scott and Travis say they can get leads for me there.
When I was with EFES 70% of my business was in Indiana.
But I pretty much work part time anymore now. If this was 7-8 years ago I would already be working Indiana.
KSKJ is recontracting agents now. If they offered me now I'm not recontracting.
My mindset has always been it's better to end something and cry once than to stay and cry everyday.