Final Expense IMO's for a Beginner

[Todd King]

It’s so hard to understand what a IMO does. Why are they hard to get into, and why are there bad ones? We’re contracted through my daughters father in laws IMO but he’s a jerk, why do we have to go through him? What’s a good contact and what’s a bad one. Trying to understand?

When it comes to FE, most companies want you to go through an IMO. They would rather minimize their risk of chargebacks this way....sort of like a buffer. Good ones and bad ones? Well, it all depends on what you want your IMO to do for you as to who you would go through.

Either way, your FE commissions should range from 110% to 120% or so, depending on the company.

If you ever want to just pick up the phone and call to get some clearer explanations, please call us.

 

[jerryrut]

How many times will I thank you in my life Jerry, I need to send you dinner or a gift for all of your help! Thank you Thank you. You’ll never know how much it means to us that you’ve taken time out of your life to get back with us. You’d honestly love our little team. It’s my daughter, myself, and one of our friends - all Conservatives lol and Our friends sister/partner was even in the Olympic games and took home 3 medals for the USA. We are 3 little good wives trying to find our way in a completely new industry. I just know when we do, we will help anyone we can.

Most of my lifelong friends are gopers (hopeless and clueless victims of fox propaganda) so I can tolerate a few more

 

[rousemark]

Most of my lifelong friends are gopers (hopeless and clueless victims of fox propaganda) so I can tolerate a few more

FOX is too liberal.. Have switched to One America News..

 

[dbab]

Just finished reading all 91 pages. Lots of great info in here. Thanks to everyone who contributed. I am curious about something though. Jose Arteaga, why would someone join CFC instead of going straight to fex? Along the same lines, HoosierLife, why would someone join FEE instead of going directly with OLA? Do y'all just offer different/better training and tools than the actual IMOs you are associated with?

 

[HoosierLife]

Just finished reading all 91 pages. Lots of great info in here. Thanks to everyone who contributed. I am curious about something though. Jose Arteaga, why would someone join CFC instead of going straight to fex? Along the same lines, HoosierLife, why would someone join FEE instead of going directly with OLA? Do y'all just offer different/better training and tools than the actual IMOs you are associated with?

OLA has a direct career side. But that’s starting out at 45% and free direct mail. Local offices, meetings etc.

I’m sure there are some direct agents to OLA on the broker side, but that’s the exception, not the rule. Everyone else is under an agency direct to OLA.

All that to say, you get all the benefits of OLA (FE and MAPD), Legacy Life (mortgage protection/IULs), Heartland Financial (Med supps and ancillary), and One Life Advantage (annuity team) when you work directly with Final Expense Entourage.

With us, you get competitive commissions, access to all the lead programs from the agencies listed above, along with our own proprietary CalendarLeads.com and other lead programs we facilitate for our agents.

You also get access to our training platform. Everything a new or veteran agent needs at your fingertips in a structured setup ie. Rx guides, pdf paper apps, eapp portals, height/weight charts, cheat sheets, scripts, presentation, quote engine etc. A group chat with over 250 agents that specialize in FE, MP, Medicare and annuities.

Access to our full back office. You need a quote for 1MM for 38 MNT looking for non-Med with LBs? Call/email the office and they will call everyone and find the best product.

Access to our agency builder platform. No more cold calling press 1s or ziprecruiter respondees or talking to your friends and family. We set our agency managers up with custom landing pages, Facebook Chatbots, LinkedIn automation and use those in conjunction with all the normal mass recruiting techniques to push interested prospects directly to your calendar. That way you can still personally produce and efficiently set aside time to recruit, train and build all on auto-pilot.

Oh and you get to be personally mentored by myself and Brandon Smotherman. Neither one of us in the field full time anymore, so if you have a question, you’ll get an experienced and useful answer when you need it, not 3 days from now.

 

[Rob Lion]

OLA has a direct career side. But that’s starting out at 45% and free direct mail. Local offices, meetings etc.

I’m sure there are some direct agents to OLA on the broker side, but that’s the exception, not the rule. Everyone else is under an agency direct to OLA.

All that to say, you get all the benefits of OLA (FE and MAPD), Legacy Life (mortgage protection/IULs), Heartland Financial (Med supps and ancillary), and One Life Advantage (annuity team) when you work directly with Final Expense Entourage.

With us, you get competitive commissions, access to all the lead programs from the agencies listed above, along with our own proprietary CalendarLeads.com and other lead programs we facilitate for our agents.

You also get access to our training platform. Everything a new or veteran agent needs at your fingertips in a structured setup ie. Rx guides, pdf paper apps, eapp portals, height/weight charts, cheat sheets, scripts, presentation, quote engine etc. A group chat with over 250 agents that specialize in FE, MP, Medicare and annuities.

Access to our full back office. You need a quote for 1MM for 38 MNT looking for non-Med with LBs? Call/email the office and they will call everyone and find the best product.

Access to our agency builder platform. No more cold calling press 1s or ziprecruiter respondees or talking to your friends and family. We set our agency managers up with custom landing pages, Facebook Chatbots, LinkedIn automation and use those in conjunction with all the normal mass recruiting techniques to push interested prospects directly to your calendar. That way you can still personally produce and efficiently set aside time to recruit, train and build all on auto-pilot.

Oh and you get to be personally mentored by myself and Brandon Smotherman. Neither one of us in the field full time anymore, so if you have a question, you’ll get an experienced and useful answer when you need it, not 3 days from now.

Thought your IMOs focus was FE? You guys are damn near selling everything under the moon lol.

 

[HoosierLife]

Thought your IMOs focus was FE? You guys are damn near selling everything under the moon lol.

Our focus is still FE. But we have specialists to help if you run across the other business.

We do have downline agencies that focus on MP. I have recruited quite a few Symmetry and Equis agents that do MP as well. I tell them coming in that I won’t be much help. But we’ve gained enough solid MP producers that we have people to rely on if someone has a question.

We’ve been cross-selling Medicare off of FE leads for awhile and our affiliation with Heartland has just strengthened that 10x.

Heartland had some old school annuity guys that did all their annuity sales off of FE and Medicare leads. They became One Life Advantage. All our guys have to do is bird dog for that money. Then pass it off to the annuity team and they will shop it out, run the illustrations, explain it to the agent and even help the agent close it while they’re in the house. They’ll get the idea as time goes on, but off the start they don’t have to be experts on qualified/non-qualified money, cap rates, indexing etc. We have a dedicated team with 20-30 years experience a piece to walk our agents through the process.

Our core focus is still FE. I start every recruit call telling prospective agents that we believe the “riches are in the niches.” Focus on one thing and master it. Then you can add on complimentary products and/or team building if you want.

Most of our agents will never sell anything other than FE.

 

[Todd King]

Our focus is still FE. But we have specialists to help if you run across the other business.

We do have downline agencies that focus on MP. I have recruited quite a few Symmetry and Equis agents that do MP as well. I tell them coming in that I won’t be much help. But we’ve gained enough solid MP producers that we have people to rely on if someone has a question.

We’ve been cross-selling Medicare off of FE leads for awhile and our affiliation with Heartland has just strengthened that 10x.

Heartland had some old school annuity guys that did all their annuity sales off of FE and Medicare leads. They became One Life Advantage. All our guys have to do is bird dog for that money. Then pass it off to the annuity team and they will shop it out, run the illustrations, explain it to the agent and even help the agent close it while they’re in the house. They’ll get the idea as time goes on, but off the start they don’t have to be experts on qualified/non-qualified money, cap rates, indexing etc. We have a dedicated team with 20-30 years experience a piece to walk our agents through the process.

Our core focus is still FE. I start every recruit call telling prospective agents that we believe the “riches are in the niches.” Focus on one thing and master it. Then you can add on complimentary products and/or team building if you want.

Most of our agents will never sell anything other than FE.

Am I reading this right? You are selling Medicare and Annuities off of FE leads? How is One Life able to do this when, for the most part, the rest of the world can't? Just what kind of demographics do these FE leads have? Sure doesn't sound like it's the normal demographics!

 

[SPUR CITY]

Yes!

We also sell Medicare & Annuities off of FE leads. Granted, the Annuities are much more rare but Medicare sells are plentiful. We had many people win Medicare supplement incentive trips in their first year of offering it & Medicare advantage will be even more fruitful.

 

[Todd King]

Yes!

We also sell Medicare & Annuities off of FE leads. Granted, the Annuities are much more rare but Medicare sells are plentiful. We had many people win Medicare supplement incentive trips in their first year of offering it & Medicare advantage will be even more fruitful.

What demographics are you using for your FE leads?