Why Are So Many Agents Lazy?

Sounds like a good company to have. Who is giving out 150% contracts :biggrin:. Actually though, pm me details of your upline if you would.

Well I hate to throw a plug to someone who's busting my balls tonight, but TwiLight has my contract. Just don't call him after 6 pm if you ever want to go to bed...dude can talk:D

BTW...not a 150% contract
 
Well I hate to throw a plug to someone who's busting my balls tonight, but TwiLight has my contract. Just don't call him after 6 pm if you ever want to go to bed...dude can talk:D

BTW...not a 150% contract


I realize that. Thanks........
 
What is their primary niche? I heard they are easy, but ideally where do they fit. I have Pinney for all my term cases.

GUL to $250,000.00, <age 65, Std+ health. As an alternative to a small SIWL they go down to $25,000. was $10,000. till about January 1. The niche is fast non med. especially for the younger micro wave market. Quick call, email, Done and Done, get the policy in a week or so. Younger people will gladly pay more for convenience. IMHO

Example of one I did last week Male age 43 non Prd. $250,000.00 $164mo NACOLH was $157. He did not even think about it.

Older ages the nod goes to other companies on cost. Example same deal at age 53 the the difference is $239 v $267. but again the Sagicor is non med.

Age 63 it is $416 v $468 Some people age 63 and not sure of an outcome will take the Sagicor. But many will want to save the money or lower the face to meet the FU cost.

Also short pay, At 43 a 20 pay is only $2,797

Can get the rated and _maybe_ std for controlled diabetes

Edit:
and very important to me not f2f.

BTW, Pinney does rock.
 
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SAGICOR street is 100% on GUL if done electronicaly. 85% on paper for FYC. Just shoot me a pm with your email and I will send you everything.

Thanks for shamless plug Gooner. :) an yes I have been known to shoot the $hit after 6pm for an hour....LOL.
 
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SAGICOR street is 100% on GUL if done electronicaly. 85% on paper for FYC. Just shoot me a pm with your email and I will send you everything. Thanks for shamless plug Gooner. :) an yes I have been known to shoot the $hit after 6pm for an hour....LOL.

I have a term case that is being stalled because of a pending biopsy. Should I write them with another carrier or wait until July?
 
I have a term case that is being stalled because of a pending biopsy. Should I write them with another carrier or wait until July?

You're gonna wanna wait for the results before you write with another carrier. That way you can disclose it on the app.

Most non med or fully underwritten plans want the procedures for medical testing completed before approvals so they can look at an APS if it is fully underwritten or disclosed on a non med app. On a non med app ,you may need to get a doctors letter for the results of the biopsy to get it pushed through any company.
 
You're gonna wanna wait for the results before you write with another carrier. That way you can disclose it on the app. Most non med or fully underwritten plans want the procedures for medical testing completed before approvals so they can look at an APS if it is fully underwritten or disclosed on a non med app. On a non med app ,you may need to get a doctors letter for the results of the biopsy to get it pushed through any company.

That's basically what I figured. It would be pointless at this point to switch.
 
I have a term case that is being stalled because of a pending biopsy. Should I write them with another carrier or wait until July?

What the Skipper said.

Also, if he comes back clean you may want to requote him and give him options. While I am a Sagicor fan their non med term is high compared to FU. This way he knows that you can offer him something much lower and he does not shop you.
 
Like I said...learning is fine...I troll the med sup and life forum a lot...along with the P&C forum...it's interesting and I do learn a lot, but you won't find me spitting dribble over there...ok sometimes you will, but not often.

Not even when the person is outright asking if it is okay to try and defraud an insurance company?
 
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