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That is one of Lincoln's problems. Simple medications such as Plavix or Digixon throws a person on high priced modified. Most other FE carriers the customer qualifies for immediate preferred rates. Does this bother your conscience, GMDM? 
Standard Vs. Graded Vs. ROP/Modified Vs. GI
- Thread starter donamese
- Start date
- 510
That is one of Lincoln's problems. Simple medications such as Plavix or Digixon throws a person on high priced modified. Most other FE carriers the customer qualifies for immediate preferred rates. Does this bother your conscience, GMDM?
Nah. It hurts my sales though!!!!
LH would get more business if they wouldnt be so hard with the meds. That's the #1 reason a policy for is modified with LH.
Obviously I don't go around replacing policies. 99% of the people I insure didn't have coverage before they met me. Their families were unprotected.
Now they are protected. I don't feel bad about that.
I didn't realize you guys had such big hearts!!! Wish I could get some of that love.. Were is Rick at! I heard he loves everyone. Even LH agents and marketers!!
Nah. It hurts my sales though!!!!
LH would get more business if they wouldnt be so hard with the meds. That's the #1 reason a policy for is modified with LH.
Obviously I don't go around replacing policies. 99% of the people I insure didn't have coverage before they met me. Their families were unprotected.
Now they are protected. I don't feel bad about that.
I didn't realize you guys had such big hearts!!! Wish I could get some of that love.. Were is Rick at! I heard he loves everyone. Even LH agents and marketers!!
He does, even though he hates domestic cars
..and for the record , when you sell overpriced policies, 30% modified (which has to be the highest rate in the industry) and choose to say its a bad thing to replace and we all know why LH trains and brainwashes agents in believing that.
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Come on Gordon. I never said it was bad to replace!! I don't do it because my rates are high and I rarely can!! I don't think that no one should replace policies. My clients are free to shop around. I dont hold them hostage. They can find a better deal and cancel. It won't hurt my feelings..
And the fact that you think an insurance company can actually brainwash someone is frightening.. My agents are not brainwashed to think a replacement is a no no. That's ridiculous.
Why so bitter. Honesty do you really care I sell a product that is more expensive than yours? Why would it matter to you. Oh I see .. You are just worried about my poor little clients and my brainwashed agents. Hahahaa..
Maybe your so bitter because I write more business than you? I don't see why that would matter either.
Maybe you thought you would be writing more business with your astronomically low prices and high contacts...
Sorry.. The only thing I can do to help you be successful is write some LH apps in your area..
And the fact that you think an insurance company can actually brainwash someone is frightening.. My agents are not brainwashed to think a replacement is a no no. That's ridiculous.
Why so bitter. Honesty do you really care I sell a product that is more expensive than yours? Why would it matter to you. Oh I see .. You are just worried about my poor little clients and my brainwashed agents. Hahahaa..
Maybe your so bitter because I write more business than you? I don't see why that would matter either.
Maybe you thought you would be writing more business with your astronomically low prices and high contacts...
Sorry.. The only thing I can do to help you be successful is write some LH apps in your area..
I don't actually work enough to say I write more business. I balance what I can when I can. LH would be WAY off my radar when it comes to selling those policies. Yes, that would be nice to have some more LH inventory.
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Jd I've been meaning to ask, if your not writing essential life, how do you write so much RNA with the price increase? Not bashing, really curious. I love writing them but on most cases they are way too high.
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The price increase was really on the ages 50-60 and smokers. I don't put those people with RNA. I do write the EL. Just not a lot of it. I don't think I write a lot of it, 30-35 EL apps a year. Others seem to think I write a lot of it.
I ofered RNA to a lady this week. It was about $1 more per month that most everyone else. I told the lady I thought the RNA benefits were worth a $1/mo., but if she didn't we would go elsewhere. She agreed that they were and she went with RNA.
I don't write near as much RNA as I used to because of their changes but they are still my first choice when I can use them. This month so far I've written more Americo than RNA. I keep running into smokers, cigar smokers and chewers and under age 60 people.
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Fifteen percent or less of my business is graded/ROP.
The rest is immediate.
The rest is immediate.
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New FE agents spend a HUGE amount of time worrying about which GI company to us. It's the topic of many conversations.
They should be spending that time figuring out how to not write GI. That's the most common newbie mistake. They often write GI on cases that should be preferred.
They should be spending that time figuring out how to not write GI. That's the most common newbie mistake. They often write GI on cases that should be preferred.
- 6,134
Thanks for clearing that up. Makes sense
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