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I am inferring from your post that since "best" is giving your 81+ clients the best premium by writing them American Memorial, that you are also giving your 50-80 year old clients the "best" by writing all your healthy, bread-and-butter business with Christian Fidelity at 55% FYC, correct?
If you're not, then you're being a hypocrite.
The truth is we all are in business for ourselves, and run our business the way we see fit.
I personally want to write competitive premiums, up to a point. I'm not going to write Christian Fidelity wholesale for healthy clients, nor am I going to write American Memorial wholesale for the old, healthy folks.
I take that risk of writing higher premiums to suit my business, just like the Lincoln Heritage agent takes the risk of getting replaced due to his abnormally-high pricing.
If you're not, then you're being a hypocrite.
The truth is we all are in business for ourselves, and run our business the way we see fit.
I personally want to write competitive premiums, up to a point. I'm not going to write Christian Fidelity wholesale for healthy clients, nor am I going to write American Memorial wholesale for the old, healthy folks.
I take that risk of writing higher premiums to suit my business, just like the Lincoln Heritage agent takes the risk of getting replaced due to his abnormally-high pricing.
I agree with you brad. I think do what is best for your client. Karma seems to catch up though as I have and alot of my 80+ business refer me to their 60-65 year old sons and daughters. (and those I did get my full comp
