Symmetry Financial Group

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This SFG training tape is very intresting, imho. I would think that the DOI in every state would not support an IMO leading prospects to believe the contact being made is from their bank:

 
Here is Andrew’s updated description for those who don’t want to surf over to YouTube:

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I can confirm Andrew's detailed exposé is 100% on-point! Starting with Casey, a high school dropout, who also is well known by SFG insiders, for forging a client's signature on a policy before forming SFG with Ellison and Pope. He was extremely fortunate and got a legal break, having a good lawyer; and, was only fined an inappropriately low amount for his actions and crime against a vulnerable client -- it's surprising he didn't get banned from this industry, totally, or at a minimum, was not allowed by top carriers or DOIs to be an owner of an IMO. So him offering a payoff for silence is definitely in his wheelhouse.

Ashley Tarr is direct to Danny Young (the "bald" guy), who came to SFG from Primerica, so it's not surprising he'd go silent and let her be 'on the hook', authorizing her to 'OK' Andrew's additional purchase of typically sold, re-sold, repurposed OLD and stale leads, since that's how SFG covers its overall lead costs by constantly making money over, and over, and over again on the same lead(s).

That's just the beginning of the story on SFG with their lead issues, extremely LOW comp, capping many agents' income unless they recruit more unsuspecting agents; and, to SFG's benefit but unfair to agents, monthly promotion guidelines that require meeting consecutive months (2 or 3) of production quotas to get promoted -- if an agent misses a month, they 'go back and start over at square one', which depending on the team's total production (which most promotions above the first couple of levels from 60%-110%) are based on, could require several months before getting promoted a whopping 5%!

So, if you join the 'Kool-Aid Krew' with an ineffective, non-producing upline mentor and/or manager/trainer, who actually wasn't successful writing business -- only successful recruiting -- you'll have a similar experience as Andrew's since they absolutely WILL NOT allow you, as an Independent Contractor, to become a 'free agent' and transfer to a more successful upline, manager and/or team!
 
Just to address the California "over 65" disclosure requirements in the pictures above:

http://www.insurance.ca.gov/0200-in...load/AnnuitySalesPracticesOutline4Hr709-3.pdf

In-Home Solicitations: 24-hour Notice requirement for persons 65 years and older (Section 789.10 of the CIC)
1. Criteria
a. For persons 65 years and older
2. Content of written notice
3. Can not misrepresent true content of meeting

You don't need anything signed. Most companies have this template on their online portal for you to complete and either send in advance, or present at the time of the appointment. You will need things signed at the time of sale, but not before.
 
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