Work from Home Call Center Sales Agent

[Tahoe Ray]

Some independents have access, but most bigger broker/dealers I've spoken with do not offer T/A at all (I always ask them out of curiosity)

I primarily work the B/D market and I don't know of a major indy who doesn't offer Trans...they also likely offer Met, Pru, AXA, Allianz, AIG, LGA etc., all of who are larger than Aegon (at least in assets, which is the metric which I believe you are using to measure size).

I know that WFG has some exclusive products but how do they compare to the ones that most of us on this forum can access? Genuinely curious....

 

[jzepess]

It really depends on the product. For example, T/A has a term with full LTC built in. I usually replace standard term with this product, as it is almost always less expensive, even if a person is a few years into the term.

Not sure if you saw our ad in Time (Sep 1 issue) where we put out a claim to write $1B of coverage in just the month of Sept. (we finished the month doing over $2.5B). I ended up doing quite a bit of replacements that were less expensive for my clients for the same or more benefit. That said, I mostly due perm insurance as my clients tend to want the tax-free income benefits as well.

 

[Tahoe Ray]

It really depends on the product. For example, T/A has a term with full LTC built in. I usually replace standard term with this product, as it is almost always less expensive, even if a person is a few years into the term.

Not sure if you saw our ad in Time (Sep 1 issue) where we put out a claim to write $1B of coverage in just the month of Sept. (we finished the month doing over $2.5B). I ended up doing quite a bit of replacements that were less expensive for my clients for the same or more benefit. That said, I mostly due perm insurance as my clients tend to want the tax-free income benefits as well.

So the WFG/Trans term has a rider similar to what Trans has on TransAce as opposed to what they offer on their independently distributed term (which is not marketed as LTC, only chronic illness)?

The "coverage" claim is face, no? Do you know what kind of premiums they wrote?

Again, I know that your company is sizable...but there are several that are much larger (and available to independent agents). Not that you have to be the biggest, many of us also work with several smaller carriers.

 

[jzepess]

Yes, we have product called Trendsetter LB that has full LTC, not just chronic illness. Not sure if you have access to that one or not. Does it sound familiar?

Yes, the $1B pledge was for face amount. I do not have the numbers for amount of premium. The main focus was on the mission to get families protected that otherwise may not have.

Good point. My company's size is important, but I don't believe it is what defines us. I'm in no position to be an expert in this field (I was a semiconductor design engineer for 20 years prior to changing careers) but I was really impressed with WFG's business structure and compensation. It is definitely a bit less upfront while you are training, but the upside is tremendous. If someone is motivated enough to put the couple years of investment into it, they can literally be set for life. Sadly, of the hundreds of people I've personally interviewed, maybe 5% are willing to do that.

Compared to my previous corporate life, it is heads and shoulders above, and I'm still talking with other brokers in this field as a comparison. I'm always keeping my business options open, but haven't found the better opportunity yet.

 

[eparham08]

Noy quiet what you asked for, but try Liveops.com

 

[dgmins]

Noy quiet what you asked for, but try Liveops.com

They dont hire in my state...

 

[Rich Eddy]

...having a $500B company in my corner affords me a number of advantages over other brokers out there.

Such as? I'm curious.