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cfp83 ![]() Rookie ![]() Joined: Feb/06/2014 Location: canton ohio Status: Offline Points: 46 |
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When I left there in 2009 nobody was writing the vul, everyone was whole life. Since the dividend has fallen over the past 17 years almost every year, combine that with the rise in iul and how it illustrates much better than whole, I imagine most northwestern guys are forced to switch over to vul to compete since nml doesn't have an iul.
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memphis ![]() Senior Member ![]() ![]() Joined: Apr/20/2020 Status: Offline Points: 529 |
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They believe in it because they're trained that way. ROTH alternative / LIRP / whatever you want to call it. I never did VUL, thank God, but I did quite a few IULs that way. Thankfully most of them are still working as planned.
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luvindy ![]() Moderator ![]() ![]() Joined: May/17/2010 Status: Offline Points: 21863 |
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Serious question...why does everyone have the same VUL and other shit? Do they explicitly comp you to sell that shit, or is it somehow indirect? Or do the sales guys think it's best because they're somehow trained that way?
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8/31/12,Sportsfreak:
"If Barak wins this election, or appears to be clearly winning, we are all fucked. Market will tank big time." Dow 13,090 S&P 1406 5/23/13 UC:Dow 20k before 20% crrectn Dow 15, |
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cfp83 ![]() Rookie ![]() Joined: Feb/06/2014 Location: canton ohio Status: Offline Points: 46 |
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I left in 2009 after five years and started my own RIA, a captive environment wasn't for me. Haven't sold a whole life policy since leaving. I was fortunate to be in their biggest investment producing office in the country.....I had two advisors who were both each doing north of 1mill GDC back in 2004 take me under their wing and show me how to build the business. They both left in 2008 and went to RJ. Kool-aid as you all know is very strong there, I never got the tattoo.
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luvindy ![]() Moderator ![]() ![]() Joined: May/17/2010 Status: Offline Points: 21863 |
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Tell us more about the shithole that is Northwestern Mutual.
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8/31/12,Sportsfreak:
"If Barak wins this election, or appears to be clearly winning, we are all fucked. Market will tank big time." Dow 13,090 S&P 1406 5/23/13 UC:Dow 20k before 20% crrectn Dow 15, |
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cfp83 ![]() Rookie ![]() Joined: Feb/06/2014 Location: canton ohio Status: Offline Points: 46 |
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Welcome....and good for you being a 20 something and having enough interest to seek out an online community.
I started off at Northwestern Mutual in my 20's, everyone encouraged me to get my CFP and a bunch of other credentials.....I decided that what was most important was building a client base and learn what my market needed, so I focused on prospecting and writing business as there was plenty of time for credentials. In hindsight that has made all the difference in my career. Clients don't care about credentials, people who can't sell do.
Edited by cfp83 - Jan/15/2022 at 6:28am |
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WarPig ![]() Gold Member ![]() ![]() Joined: Dec/12/2019 Status: Offline Points: 11023 |
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Why did you make that face? You should share your prospecting advice that led you to where you are today. I’m sure we could all learn a lot.
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spudpotato ![]() Member ![]() ![]() Joined: Jan/23/2018 Status: Offline Points: 275 |
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![]() Edited by spudpotato - Jan/08/2022 at 7:46am |
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XLKrane ![]() Rookie ![]() ![]() Joined: Mar/01/2021 Status: Offline Points: 26 |
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Cold call every single realtor in your area. Try to get 10-15 people a day to tell you F OFF or never call again. Read Go For No twice. Learn phone skills. Realtors don't typically have retirement plans. Learn and master the Solo 401k and how to position it over the phone to show enough value to book an in person or virtual meeting. It won't be easy. In fact it'll feel nearly impossible most the time, but keep plugging! Remember it's not what you say, it's how you say it.. The prospects can sense your inner feelings so you had better truly believe in your heart that it's their lucky day you called them. Lastly, SILENCE is your friend. GL!
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Coldjumper ![]() Rookie ![]() Joined: Mar/25/2020 Status: Offline Points: 18 |
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It all makes sense now
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Hacksaw ![]() Platinum Member ![]() ![]() Joined: Mar/27/2010 Status: Offline Points: 27299 |
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I never doubted you Spiff
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Spaceman Spiff ![]() Senior Member ![]() ![]() Joined: Mar/11/2010 Status: Offline Points: 9924 |
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Next time I'll make sure I use the italics. Evidently some of you really need them. I'll also add this: Nobody gave a rip about this kid until Gray revived this almost 6 month old thread. The last post the guy made in this thread was back in March. And all the posts he made were him whining about not being able to move forward with his FA career...in the middle of a freaking pandemic. Jones shut the whole system down for the new guys and basically told them it was OK to twiddle your thumbs for the next 6 months. They weren't singling him out. They could just as easily have let him go and said reapply in a year when we fire hiring back up. Edited by Spaceman Spiff - Sep/18/2020 at 2:22pm |
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helado ![]() Platinum Member ![]() ![]() The Resource Joined: Jun/17/2013 Status: Offline Points: 25755 |
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Well that's a relief.
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My posts are for abrasive entertainment only. Nothing posted is investment, legal, tax or any type of advice, nor is anything mentioned true or even based on real events. Posts are complete fiction.
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Moraen ![]() Admin Group ![]() ![]() Resident Sage Joined: Mar/09/2010 Status: Offline Points: 27916 |
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You saying it - psycho.
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I come in peace. I didn’t bring artillery. But I’m pleading with you, with tears in my eyes: If you fuck with me, I’ll kill you all. - General James Mattis
Fiduciary as Fuck - iMo |
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Wet_Blanket ![]() Admin Group ![]() ![]() Team America (not iMo) Joined: Mar/10/2010 Location: New England Status: Offline Points: 37612 |
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I believed in you Spiff.
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Ducati's Prediction (2/27/2022):
Russia will take Kyiv by midnight Monday 2/28/2022. Russia will take Ukraine by Wednesday 3/2/22. |
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Spaceman Spiff ![]() Senior Member ![]() ![]() Joined: Mar/11/2010 Status: Offline Points: 9924 |
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You guys are pathetic. I hadn't even looked at this thread since I posted that until B24 PM'd me this morning. Of course I didn't call anyone to get him fired. I'm not that psycho. You guys thinking I might have - that's psycho. |
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B24 ![]() Moderator ![]() ![]() Joined: Mar/09/2010 Status: Offline Points: 22348 |
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OK, all clear!
![]() As expected (hoping), Spiff was joking.
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"If Bellicheat pulls that rabbit out of his a$$ with this kid at quarterback, I'll personally kiss his ring." - Sporsfreak, 09/20/16
"Jags/Vikes Super Bowl. Write it down" - Sportsfreak 01/19/18 |
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mindtech ![]() Member ![]() ![]() Joined: Feb/18/2012 Location: Canada Status: Offline Points: 372 |
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By gawd.... even John Mulaney would think that joke is too much on the straight and narrow.
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PEACH_cm ![]() Senior Member ![]() Joined: Jan/16/2013 Status: Offline Points: 7159 |
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Moraen ![]() Admin Group ![]() ![]() Resident Sage Joined: Mar/09/2010 Status: Offline Points: 27916 |
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I come in peace. I didn’t bring artillery. But I’m pleading with you, with tears in my eyes: If you fuck with me, I’ll kill you all. - General James Mattis
Fiduciary as Fuck - iMo |
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