I would like recommendations from people actually focused on selling final expense, for a good organization to hook up with. Can be final expense only or final expense and Med supps. I am not looking for for an IMO that does it all. I prefer a place that offers a ligitimate lead program, not a bait and switch or sweep stakes scam to get in the house. Ethics and experience are paramount. Probably not many out there. I am getting gray myself and have worked the senior market for 5+ years. You can email or post. Thanks for your help!
Need Final Expense Focused organization
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- 2,370
Are you looking for leads or contracts?
Or both?
Or both?
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Preferably both, with some one who really lives in the final expense market, not a side line.
- 2,370
Have you looked at captive side of it?
I know that Monumental life has a captive side. All the FMO's that I know of offer a bit of everything.
I know that Monumental life has a captive side. All the FMO's that I know of offer a bit of everything.
- 7,790
Check with Newby. Scott has plenty of experience in the FE market and is offering contracts with Forethought.
- 17,199
My theory is to get at least 3-products at good contract rates and get them with 3-different brokers. I would have Forethought as one, Oxford as one and Monumental as the third.
If you do a lead program from a broker it will usually be either junk leads or it will come out of your commissions. The agents I know that are successful with final expense just buy their own leads and run them and sell whichever product that fits best.
I can offer Forethought at 110% with 10% renewals. For Oxford I am happy with Greg Moore out of Tennessee Companies He will give you good contracts with several different companies. Shenandoah and Americo are worth checking out also.
For Monumental, I am direct with them. I don't know if they will go direct with agents who don't come from their Funeral Home channel.
I think Premier is a pretty good IMO for Monumental Premier Senior Marketing.
Send me an IM if you want to see the info and contract for Forethought.
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We offer the same exact contract, but do a 50 50 program for lead support. $350 per 1,000 piece mailer and we meet you half way...
Is that junk lead program newby?
- 17,199
We offer the same exact contract, but do a 50 50 program for lead support. $350 per 1,000 piece mailer and we meet you half way...
Is that junk lead program newby?
Doesn't sound bad as long as the agent can decide what type of mailer he wants to mail. If it's those "government only pays $255" type of little blue cards it's pretty much junk leads that gets you in a lot of "poor" homes that will waste your day signing up a bunch of $25 monthly payments and fall off the books at the 2nd payment.
As long as it's generating good leads from some people who actually want to buy life insurance, they actually have a checking account and actually have $50 to $150 dollars per month to pay the premium...then it's a good lead.
If there's anything worse than no leads, it's junk leads that waste your time and keep you from doing the things you need to do to actually make money.
How long does an agent have to commit to stay in your contract? Can he get an immediate release if he gets burnt? Can he also sell the Forethought Select Product or just Forethought ForeLife?
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Travis Tubbs is the final expense guru here on the forum as far as I'm concerned for guys to get a direct mail piece going and sell behind it.
I know he was offering contracts with Royal Neighbors and has some other things working. He would definitely be someone to contract with if you want to get going in final expense and get some good guidance.
I forget his forum name but he has the photo of Al Swearingen from Deadwood as his photo.
I know he was offering contracts with Royal Neighbors and has some other things working. He would definitely be someone to contract with if you want to get going in final expense and get some good guidance.
I forget his forum name but he has the photo of Al Swearingen from Deadwood as his photo.
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I agree with you about the leads, but those are not ours...
And yes we can market all Forethought Life and Annuities, including Select Product.
In regards to the release, we will release as long we have accepted the terms and conditions in the initial phase of contracting...
We refuse to pay for agents charge backs if they are not in our organization, I'm sure thats fair.
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