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WE HAVE THE BEST RATES
Actually everybody has the same prices
o If somebody tells you they have the lowest prices/rates in town THEY ARE LYING TO YOU. Everybody has the same prices…my prices aren’t lower than any body else’s and theirs aren’t lower than mine.
§ Life insurance companies determine the price based on MEDICAL INFORMATION…they don’t care who sells you the policy. The price is always the same.
§ Any independent agent can sell a policy with any company. If Billy Bobs Super Duper Low Price Insurance Agency says “we can get you the best rates because we sell Banner Life.” Well I sell Banner Life too. And guess what, everybody else sells Banner Life as well, as long as they are an independent agent.
· INDEPENDENT AGENT versus EXCLUSIVE AGENT –There are two types of agents. Independent agents like me can sell a policy with any company that is not exclusive. Banner Life, West Coast Life, American General. I don’t care who it is, I’ll set you up with who ever has the lowest rates for your age and health situation. Exclusive agents (Farmers, State Farm, Allstate) can only set you up with a policy with their company. If Allstates rate is $100.00 per month and West Coast Life is only $85.00 per month, they have to sell you the Allstate policy…they have no choice.
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