Most of this forum posting is just our opinions. I just live by Matt 7:12 that's all...and encourage agents to be educated, informed and do the same.
No, but I can look at a carrier's recent price increase history and make some informed assumptions about their tendencies.
?? what are you saying
I obviously did not get my point across very well. Price is an important factor; I just believe it isn't the only factor or necessarily the most important factor. E.g, suppose during client discovery you might find the client has other policies with XYZ carrier, they are partial to them, and want their MS with them if you carry it. You might advise them it is X dollars more than ABC carrier for the same plan, but if the client didn't care and wanted XYZ in your kit, would you argue with them on the point? Ultimately its about asking the right questions and doing your best to meet customer needs - which can vary with each customer. Their are times and circumstances where the lowest rate is what the customer wants and best meets their expressed needs. Not a bad idea to carry 2 or 3 MS's for this reason, and to have all plans available. We try and carry the MS products that agents ask for, but do advise more than one MS to serve different scenarios.
Spent my entire career 30+ years thus far in financial services sales and marketing, but trying to learn every day. You are an excellent critic, thanks for all of your help and encouragement.
