Postage going up another 7.4%. Legitimate dm has a few yrs left

[DonP]

KSKJ claimed it was due to low persistency, but that's the opposite of what they always touted on their convention trips. Obviously, the persistency cratered once they termed us, as they stopped providing commission statements for several weeks or months (I forget how long), so no one could see who was missing payments or falling off their books. Lots of those customers called their agents instead of KSKJ when they got letters or bills in the mail. And (wild guess here) they got rewritten elsewhere if they were healthy, and were helped to get current with KSKJ if they couldn't be rewritten elsewhere. In short, KSKJ lost a lot of healthy customers and kept a lot of unhealthy ones.

Aren't you with FEX ? You sound level headed no pixie dust . The bottom line as I shouted for 18 months Kskj way underpriced the product and they'd be in trouble . Yes they got a lot of healthy people buy they also got a shit ton of very unhealthy people as there underwriting was crazy aggressive at super low premiums . No question the death claims started hitting and it hurt them . That's the truth why they pulled the plug on many agents

 

[Rick Lee]

Pulling the plug wasn't going to stop the death claims from coming. It only stopped the new premium from coming while driving away some otherwise healthy customers who were loyal to their agents and not KSKJ. They didn't start that rescission BS until a year later and that even tapered off pretty quickly. They effed up badly and did it to themselves. They richly deserve what they're getting now.

 

[DonP]

Pulling the plug wasn't going to stop the death claims from coming. It only stopped the new premium from coming while driving away some otherwise healthy customers who were loyal to their agents and not KSKJ. They didn't start that rescission BS until a year later and that even tapered off pretty quickly. They effed up badly and did it to themselves. They richly deserve what they're getting now.

No it wasn't going to stop the death claims . But thats like saying if a company's in financial trouble you keep selling the goods and losing money . They had to stop the bleeding as they were obviously losing money

 

[Rick Lee]

Well, they could have raised prices and tightened up UW a bit. I think they probably have, but I really don't know. Instead they termed their #1 source of new business and sent letters to all those customers that made their agents look like bad guys. I probably had 750 customers on the books with them at that time and I'm not aware of one who thought I was the bad guy or won't take my calls. I love getting calls from KSKJ customers who are in poor health, have policies over two yrs old and want me to write their healthy family members, which obviously don't go to KSKJ.

 

[Newby]

So you're going to stand by and support the comment that your agents are taught and succeed in making at least 7 out of 10 appointments off of lead cards and that they do it on a consistent basis? Even in the days when less and less people answer their phones?

Now it has not been said that most of your agents do that, but even a few? And do you stand by JD when he says he does that and has done it for years on end? Really?

I didn't even know that was debatable. I'm not saying everyone does 7 out of 10 every week. But all of our agents are trained to call and set appointments off their leads every week. And most do very well with it. Always have.

 

[DonP]

Well, they could have raised prices and tightened up UW a bit. I think they probably have, but I really don't know. Instead they termed their #1 source of new business and sent letters to all those customers that made their agents look like bad guys. I probably had 750 customers on the books with them at that time and I'm not aware of one who thought I was the bad guy or won't take my calls. I love getting calls from KSKJ customers who are in poor health, have policies over two yrs old and want me to write their healthy family members, which obviously don't go to KSKJ.

There no longer in the fe game per se . I got friend still with them he stopped writing as there underwriting terrible

 

[theinsuranceman]

I didn't even know that was debatable. I'm not saying everyone does 7 out of 10 every week. But all of our agents are trained to call and set appointments off their leads every week. And most do very well with it. Always have.

So what is the secret to getting 70%, or more, of your leads to pick up the phone when you call them? Maybe 70% will pick up the phone if you dial each number 100+ times each week?

 

[Newby]

So what is the secret to getting 70%, or more, of your leads to pick up the phone when you call them? Maybe 70% will pick up the phone if you dial each number 100+ times each week?

Greg I could train you but then I'd have to kill you.

In all honesty I'm probably the least skilled appointment setter at FEX. As I have been out of the field for over 10-years. But we have some highly skilled appointment setters in the house for sure. And the best trainer I have ever heard.

But for most of you doubters, the first obstacle you have to get past is you don't even think it can be done. If you are that certain that you can't do it, then you CAN'T do it.

A skilled appointment setter is going to set a lot more appointments than an unskilled one. And the only way to get great at something is through practice. It sounds like most of you doubters are definitely not getting any practice in. You aren't even trying.

Believe it or not, there are people that make their living calling agents leads and setting appointments. Do you believe those people really exist? Do you believe that agents that sell over the phone and never go see anyone really exist? If you believe in those people, how can you not believe that top of their game agents can set appointments with the majority of their leads? These aren't average guys we are talking about. You may not love JD. But you have to admit, he has been selling FE at a high level for many, many years. But you doubt that he's great at working the way he has always worked? You would be wrong there.

 

[Rick Lee]

I really don't want to train others on how to compete with me. I use a setter and I know all his tricks. But why would I share it with others? When I started out, I hated setting appts more than anything. I eventually went to 100% DK'ing and did pretty well. Once I was able to afford a setter, my business really took off.

 

[DonP]

Greg I could train you but then I'd have to kill you.

In all honesty I'm probably the least skilled appointment setter at FEX. As I have been out of the field for over 10-years. But we have some highly skilled appointment setters in the house for sure. And the best trainer I have ever heard.

But for most of you doubters, the first obstacle you have to get past is you don't even think it can be done. If you are that certain that you can't do it, then you CAN'T do it.

A skilled appointment setter is going to set a lot more appointments than an unskilled one. And the only way to get great at something is through practice. It sounds like most of you doubters are definitely not getting any practice in. You aren't even trying.

Believe it or not, there are people that make their living calling agents leads and setting appointments. Do you believe those people really exist? Do you believe that agents that sell over the phone and never go see anyone really exist? If you believe in those people, how can you not believe that top of their game agents can set appointments with the majority of their leads? These aren't average guys we are talking about. You may not love JD. But you have to admit, he has been selling FE at a high level for many, many years. But you doubt that he's great at working the way he has always worked? You would be wrong there.

What's not being said is a ton of your agents use appt setters . I know 3 of your long time agents who use them