Re: Re: Primerica # 1

Subject: Re: Re: Re: Primerica # 1

Comments:
: : Augie -- : : I'm going to try to help you come to grips with this issue, assuming you are able to keep an open mind and can accept contrary viewpoints. : : : : : Here is something I find interesting that needs to be addressed again. : : But, tell me first, why do you think this needs to be addressed again? Whole life vs/ term seems to be a dead horse beaten to death so many times over that it's flatter than roadkill. Are you really "interested" for some true intellectual reason, or just trying to jerk people around? : : "And why do people sell whole life insurance, because they make more money from it. : : Money isn't the reason. There's a segment of the life insurance industry that's 180 degrees opposite from your PFS crowd. Members of the "opposing side" are brainwashed by companies like Northwestern Mutual and New York Life into an almost fanatical belief that whole life is in the customer's best interest. It's identical to how you have been brainwashed into a fanatical belief that whole life is evil...and BTID is the only right answer. You guys from PFS are taking a lower starting cost perspective...and the other side is driven by a lower total cost perspective. Like most "black OR white" issues, Augie, what if the truth lies somewhere in between? What if it's black AND white -- which equals a nice shade of grey? : : : : So tell me are they really interested in the benefit of the consumer. : : Sure they are! Same as I hope you are too. They believe their product serves the best interest of their customers, just as strongly as you believe in the value of your product and the PFS approach. Unfortunately, you have all been duped into getting your customers to overpay, which is how the insurance industry makes its money. : : So when you see all these people on here bashing Primerica, just remember most likely they work for a company that sells whole life insurance : : Take me, for example, Augie. I don't sell whole life, but I'm happy to bash Primerica any day of the week. At the same time, I'm equally happy to bash the whole life crowd. I don't believe either "side" has been properly trained to structure a quality life insurance program that serves the real long-term interests of the average American consumer. You've all been victimized by insurance company propaganda, just in different ways. The result, unfortunately, is the same. : : and they are losing customers to Primerica which takes away from their income : : They believe you are hurting consumers by replacing a minus total cost, lifetime product with overpriced stripped-out term. : : They are right, at least when it comes to your low octane term. You PFS guys have to quit defending that stuff, Aguie, because it makes you all look stupid to people who know the difference. Take off your blinders for a short while and honestly compare PFS term to quality product from any of the top term players like First Penn, West Coast Life, or First Colony. If you disagree, post a response and I'll be happy to explain the difference...not just on the price issue, but on the more important long-term customer benefit issue. : : lets see hindi...how much term do these big companys you just mentioned have on the books? show us how much term they are helping the consumor with this low cost stuff that you sell. : : or they are people who tried out Primerica but didnt feel like putting any effort into it, : : My guess is a lot of people have put serious effort into Primerica, but have washed out because the product itself is too weak and non-competitive...and the training is far too inadequate. Don't blame the "people", Augie, put the blame where it really belongs -- on your company and it's cattle call approach to insurance mass marketing. : : which is the only way to be successful, : : Sorry! The road to long-term success is paved with knowledge. Learn as much as you can about life insurance. It's a unique, tax-rich product, Augie. Learn how to structure it in different situations to give maximum, cost-efficient benefits to your customers. It's not easy, because it means doing a designation program like CLU or CFP...or maybe taking some part-time college insurance courses...or learning online...plus otherwise commiting the rest of your career to expanding your expertise. : : Why? So your value to your customers will continually increase. Augie, life insurance is an extremely complex subject. In spite of oversimplistic propaganda from people like Art Williams, Joe Plumeri and Hubert Humphrey -- : : the insurance business continues to get more complex, not less. : : whoever said making money was easy." : : It sure wasn't me! We all work hard to make a living. But, keeping an open mind, and learning from other points of view will help make the challenge easier. So, why not give it a try? You have nothing to lose except inflexible opinions. : : Take care...

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