Advances and Chargebacks

It’s important that agents understand how they’re getting paid and how the carriers manage advances and chargebacks. With “household name” carriers like John Hancock, Mutual of Omaha, Americo, etc. this is very straightforward. The carrier will advance you 7-9 months of commission up-front. This lands in your checking account and Read more…

A Quick Rant

All these “My IMO is better than your IMO” conversations I see on the various Facebook “insurance forums” are a complete waste of everyone’s time, in my opinion. Whether you’re a rookie or a vet, hear me out and then I’d love to hear your thoughtful perspective as well. I’ve Read more…

Priorities

From the desk of Jeremy Laurin: Something I’ve recently realized is that most people have their priorities completely backwards. I’m meeting with this client, he and his wife make plenty of money, they have a beautiful house, two kids under 10 and two cars. We’ve been talking about insurance for Read more…

IUL Target Market

What is the target market for the MoO IULe? Watch the video below: If you need help determining if an IULE is right for your client submit an IUL Ask a Specialist on fflams.com today!

FFL vs. PHP

PHP is an IMO who claims the “sexiest compensation” for builders. It certainly is “sexier” for builders than for writing agents, that’s for sure. I’ll let their CEO explain their comp plan for himself: While there are several components of their comp plan that open up after you’ve done enough Read more…

The Common Denominator of Success

THE COMMON DENOMINATOR OF SUCCESS below is as timely and inspirational, as it was when it was first delivered in 1940. Its message is well suited to anyone in the sales profession, or anyone in any field of endeavor who seeks success in their professional, personal or spiritual lives. Albert Read more…

Lead, Follow, or Git.

Changing direction in your business is never an easy thing – especially when things are going well. If you’ve been following me the last several years, you’ll have seen all kinds of trips and awards and experiences I’ve been able to share with some of my best friends while we’ve Read more…

No One Will Save You

As much as people want “the authorities” to calm their fears and show them the way… As desperately as the sheep bleat for the shepherd… No one will save you.  There are no adults in the room. No one “knows.”  The government has not, will not, and CANNOT save you. No breadcrumbs Read more…

Success Is Voluntary

Recently I was interviewed by Tim Martin of Success Is Voluntary and I wanted to share it here with you. This interview was so fun because of the connection Tim and I have with each other – he titled this interview “Twins Separated at Birth”. Click here for the podcast. Read more…