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▸ Life insurance sales

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Can someone explain to me better how a universal life policy functions? As well as a ROP? It’s not something I’ve been heavily red pilled on yet but I’d love to further my knowledge in that aspect. State Farm

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works at

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Posting as :

Tyler Sarkady

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ROP stands for return of premium. Basically you can get all or a large portion of the premiums you’ve paid back at the end of the term assuming you don’t die. The premiums are usually more expensive than just standard term but you will get your money back after the term is up.

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a Medicare Sales Agent 1

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I'd like to know more on that as well. I just started do life sales in a 1099 role again, after not doing it for a LONG time. I'm doing quite well, but want to expand knowledge on this, too

Posting as :

Tyler Sarkady

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I would read the book The Power of Zero by David McKnight. He explains the functions and benefits of UL really well.

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works at Cognizant

▸ Technology

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Hi Guys, Any idea on the hike % for 2021 EOY appraisal for respective rating??
And also any updates on when it will be communicated??

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works at Aloha Technology Pvt. Ltd.

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Hi I have 1.5 year experience In manual testing. How to find job In mid level company ?

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works at PwC

▸ assurance

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Will internal transfer to Deals as A3 (2 busy seasons under belt)

standard promo in new group is 2 years staff.

Possible to make senior next year? (3 years at firm) or stuck staff lvl for 4 years?

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works at AIC Ventures

▸ Audit

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Highest number of billable hours you have seen in a year?

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works at BNY Mellon | Pershing

▸ Product Management

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Hi Fishes, got an offer for AVP in Finance Change function. Just want to know how the Indian side is being affected by the layoffs announced? Were there any layoffs in the past? Credit Suisse

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a Director

▸ Strategy

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Jackie is developing her yoga practice

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Carlo De Guzman

▸ Advisory

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Bowl Leader

I've had my run-ins with people who like to linger in their thoughts and spend time circling in conversation because, whether they knew it or not, they were not sure what they were looking to achieve.

This has burned me in the past (e.g., Hours spent revising material, unnecessary back-and-forth communication with clients).

Hence, when you are assigned something or create something for yourself, make sure you are fully aware of your end goal, so you know what you are working towards and how t

1 reactions

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works at Deloitte

▸ Strategy

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Where can I get a Tux? Nothing too crazy <$1500

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an Audit Associate

▸ audit

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Mentor

TFW someone tells you they quit and you can't discuss it because but damn is it going to affect next busy season...

5 reactions

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a Sales Executive

▸ Sales

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Bowl Leader

Stand up for yourself like DeAndre: https://www.instagram.com/reel/CbtCTSfDulc/?igshid=NDA1YzNhOGU=

3 reactions

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an Associate Staff Consultant

▸ Human Capital & HR Consulting

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Need referral to Deloitte.Job requisition ID :: 4113

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a Freelance Graphic Designer

▸ Digital Media

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just got a full time graphic design job. is there any reason why using the work-provided adobe creative cloud account for personal use is a bad idea? like privacy or something? i’m thinking of canceling my personal subscription and saving some money.

1 reactions

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a Director

▸ financial services

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Looking for a solid receiver to run outdoor speakers, one that has bluetooth and alexa capabilities. Was using zone 2 on main Home theater but it doesnt push out enough power.

Anonymous User

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I’m starting at VMLY&R on account side and was asked if I want a PC or Mac. Not trying to be the odd one out - what do most account folks have?

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an Associate

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Rising Star

Is it just me or do people drive like maniacs in the Denver metro? Constant tailgating no matter what the speed limit or if there’s traffic or construction. I’m appalled by how dangerous some people here drive. Relax, getting there a few seconds faster isn’t worth anyone’s life. Aren’t y’all supposed to be too high to be driving like this anyway?

10 reactions

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an Art Direction Intern

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I’m sick of living in NYC but can’t go anywhere.

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an Associate

▸ Law

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Has anybody successfully leveraged a job offer into better conditions at the incumbent firm? I.e. office transfers or better case opportunities - not compensation. Or do people get offers and take them as a matter of course?

2 reactions

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works at PKF International

▸ Audit

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Anyone from EY UK could help out that would be great.
I applied to the EY UK Elevate program Audit Senior. My application was rejected and immediately I got another email, confirming my application for Audit Senior - UK wide program.
I logged into my portal and saw that for the Audit Senior - UK wide program it was written "Forwarded as Applicant You have been added as an applicant to this requisition."
Has this ever happened with anyone? Is it a good sign?

1 reactions

Posting as :

works at KPMG

▸ Technology

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Offer unlocked: Now complete six stays to earn 15,000 additional bonus. Cont..

Posting as :

works at Infosharesystems

▸ Strategy

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Hi
Fishes ,
Iam looking for an internship in postion of security analyst red teaming
Skills :- linux, bash, burp suite, web pt, vapt, mobile pt.
Location :- remote or delhi ncr

https://www.linkedin.com/in/r0x5r

2 reactions

Additional Posts in Life insurance sales

Posting as :

a Financial Advisor

▸ advisors and asset managers

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Anyone know a VUL That's cheap for smokers?

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works at Creative Financial Network

▸ financial advisor

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How are acquiring new clients

1 reactions

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a Financial Professional

▸ Financial Advisors

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Any opinions about becoming a career agent for Guardian Life? How’s their agent support? Products mix? Tech?

2 reactions

Posting as :

a Financial Advisor

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Anyone else consistently recommend whole life instead of a variable or universal life for those who want permanent policies? Why do you choose one over the other?

2 reactions

Posting as :

a Financial Advisor

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How do you create urgency to get them to buy the policy NOW!!!!!?

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an Account Executive/sr. Case Designer

▸ Insurance

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Looking to connect with people in the NQDC or COLI/BOLI space.

2 reactions

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a Case Manager

▸ Insurance

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Hi I am wondering how long it would take to get established in the life insurance field just starting out. I am 28 working as a case manager for a government agency. Im currently making 91,000 and expecting another increase next January. Would I be able to replicate the same earnings in my first year? What is everyones thoughts?

1 reactions

Posting as :

a Financial Advisor

▸ advisors and asset managers

You are currently posting as works at Financial Advisor

Can diabetics get long term care?

Posting as :

a Financial Advisor

▸ advisors and asset managers

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Difference between Variable Life vs Variable Universal Life?

Posting as :

a Financial Advisor

▸ advisors and asset managers

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How many policies a month do you sell?

Posting as :

a Financial Advisor

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Anyone going to MDRT ?

Posting as :

a Financial Advisor

▸ advisors and asset managers

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I’m getting leads from my business bankers for their business owners/lending clients. How can I break in with these customers and start making big insurance sales? Cont...

2 reactions

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works at MassMutual

▸ Financial Advisors

You are currently posting as works at MassMutual

Let me know who here has dealt with impaired risk . Working with a 74 year old male non smoker who had a coronary bipass 11 years ago, may have some renal issues and is afraid to do a stress test. Any ideas or experience with something like this?Any carrier suggestions?

1 reactions

Posting as :

an Investment Advisor Representative

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How do you help client's figure out how much life insurance is the right amount?

1 reactions

Posting as :

an Investment Advisor Representative

▸ advisors and asset managers

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I love the satisfaction of helping clients to obtain life insurance protection who had Cancer or Coronary or other medical history who thought there chances of obtaining coverage were slim to none. :)

4 reactions

Posting as :

an Investment Advisor Representative

▸ advisors and asset managers

You are currently posting as works at Investment Advisor Representative

I almost had a policy I wrote replaced by basically the same coverage but at a higher premium because the other agent grossly misrepresented their product. Feels good to cause a scammer to get a CB.

2 reactions

Posting as :

a Financial Advisor

▸ advisors and asset managers

You are currently posting as works at Financial Advisor

What do you do when compliance holds up your policy sale because they realize the person only wants the policy as an investment?

Posting as :

a Financial Advisor

▸ advisors and asset managers

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Going to MDRT for the first time next month. Any advice on how to pack? What is the dress code like? It’s in Miami.

4 reactions

Posting as :

a Financial Advisor

▸ advisors and asset managers

You are currently posting as works at Financial Advisor

How do you get somebody to want to buy life insurance right now instead of waiting?!?

7 reactions

Posting as :

works at New York Life

▸ Financial Advisors

You are currently posting as works at New York Life

Can anyone recommend a carrier that will write beyond the age of 85? Thank you !

1 reactions

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Can someone explain to me better how a universal life policy functions? As well as a ROP? It’s not something I’ve been heavily red pilled on yet but I’d love to further my knowledge in that aspect. State Farm

ROP stands for return of premium. Basically you can get all or a large portion of the premiums you’ve paid back at the end of the term assuming you don’t die. The premiums are usually more expensive than just standard term but you will get your money back after the term is up.

I'd like to know more on that as well. I just started do life sales in a 1099 role again, after not doing it for a LONG time. I'm doing quite well, but want to expand knowledge on this, too

I would read the book The Power of Zero by David McKnight. He explains the functions and benefits of UL really well.

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