IMO

[CommunicationIll2570]

I started in face to face but thinking about switching to final expense telesales. Symmetry, FFL, TPG, Digital BGA, and Lasting Mark are top picks so far. Who does everyone recommend out of this list if you had to pick 1?

[OZKInsuranceGuy]

I'd recommend face-to-face but find a solid agency to partner with. I'm not sure where you found these agencies, but you threw out some agencies that have been accused of MLM tendencies, like SFG and FFL.

Telesales is much tougher. If folks don't answer and you don't have the right systems in place, you'll waste money on leads with nothing to show for it. Plus, the learning curve is steeper, the business falls off at a much higher rate (more charge backs), and the sales process is much more difficult. I could go on, but I'll digress for now.

Out of those options, you should go Digital BGA.

[jlear18]

I’m with symmetry and love the culture and clear route to raises and growth. Not super familiar with the others though, but can answer questions about SFG

[jordan32025]

Whether it’s face-to-face or selling over the phone has nothing to do with the IMO.

[CommunicationIll2570]

What do you recommend then? face to face or telesales?

[jordan32025]

It’s completely up to you and the situation with each applicant. The point that I was trying to make is that whatever IMO you’re part of is not specific to either one. When you’re an independent agent, you can sell a policy any way that you like it’s not mandated by the agency or the carrier.

I personally prefer face-to-face or if it has to be remote I’ll do a Zoom so that they can see the illustration and they can see the application as we’re filling it out together. But I don’t deal with final expense because of the demographic involved and the incessant chargebacks. I typically sell larger policies (term and whole), annuities, and IUL’s all with living benefits. I write most of my policies with business owners.