Getting back into FE. Looking for best GI?

[goillini52]

I can sell PM, but only as an add on to a Med Supp. No stand alone life.

I was thinking that you can sell it on it's own, but if not with a Med Supp, you get paid a whopping 4%.

 

[Newby]

That's why they won't let brokers sell it. They know we will only use it for people that have to have it. They want healthy people buying it.

Mofo won't let their contracted brokers sell the GI. Neither will PM.

That's why they won't let brokers sell it. They know we will only use it for people that have to have it. They want healthy people buying it.

Mofo won't let their contracted brokers sell the GI. Neither will PM.

FexAgents can sell PM. We've had the contract for 2-years. They just pay peanuts.

If you sell their underwritten Med Sup they ay more. But how many people healthy's enough to qualify for a Med Sup need GI?

 

[jdeasy]

FexAgents can sell PM. We've had the contract for 2-years. They just pay peanuts.

If you sell their underwritten Med Sup they ay more. But how many people healthy's enough to qualify for a Med Sup need GI?

I am contracted with PM thru FEX and we cannot sell their GI.

We can only sell the other junk.

 

[Ron Van D]

They changed it for us a few months ago. In the past we could sell stand alone and it paid enough to buy a m&m (Not a whole bag, just A m&m.)

 

[vic120]

Why is AIG and Cica suggested before Gerber? GI is not great no matter what, but If I am going to sell it and not pass it on to PM or Moo why would I sell AIG and Cica over Gerber?

 

[WinoBlues]

Does AIG still not allow for a relative to own the policy? Say a son or daughter.

That seems like a no go for the majority.

 

[vic120]

Does AIG still not allow for a relative to own the policy? Say a son or daughter.

That seems like a no go for the majority.

I am sure they allow that, but they are a noticeable amount higher in cost, and their eapp is harder then Gerber

I wrote one waiting on Gerber the be transferred and it was replaced with a Gerber

 

[WinoBlues]

I am sure they allow that, but they are a noticeable amount higher in cost, and their eapp is harder then Gerber

I wrote one waiting on Gerber the be transferred and it was replaced with a Gerber

AIG didn't used to. I think all or close to all mine are owned and or paid by someone else. Especially if they are poor and on and.

Agreed, Gerber is easy.

 

[noah]

Why is AIG and Cica suggested before Gerber? GI is not great no matter what, but If I am going to sell it and not pass it on to PM or Moo why would I sell AIG and Cica over Gerber?

If an agent passes on the GI to Moo or PM I would bet 9 out of 1 card senders will do nothing other than send another card in and the next agent will write them GI.
Just write and run,DD as earned monthly commissions into a separate bank account and pay the chargebacks out of that account. An agent using direct mail on the regular should not write anyone on their deathbed,pass those on. He should be able to earn enough monthly as earned to make a car payment and maybe even his gas if he's writing GI.
There's nothing to lose unless you are a terrible earner,money manager…etc.
Gerber has the easiest E App and it pays a small renewal.
This isn't strictly my opinion I am quoting Scott at FEX.

 

[Trotter]

If an agent passes on the GI to Moo or PM I would bet 9 out of 1 card senders will do nothing other than send another card in and the next agent will write them GI.
Just write and run,DD as earned monthly commissions into a separate bank account and pay the chargebacks out of that account. An agent using direct mail on the regular should not write anyone on their deathbed,pass those on. He should be able to earn enough monthly as earned to make a car payment and maybe even his gas if he's writing GI.
There's nothing to lose unless you are a terrible earner,money manager…etc.
Gerber has the easiest E App and it pays a small renewal.
This isn't strictly my opinion I am quoting Scott at FEX.

To contract do you go directly to Gerber or what IMO do you reccomend?