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Whole life insurance sales pitch

Posted on 1/22/15 at 2:38 pm
Posted by CidCock
Member since Sep 2007
Member since Feb 2011
8631 posts
Posted on 1/22/15 at 2:38 pm
I have been getting bombarded by a friend of a friend (whom I'm never met) trying to get my to meet up with him to discuss "what he can do for me".

He works for Northwest Mutual, I've heard the pitch before, not interested.

He has left 6 messages in the past week, do I owe him a call back when he is just going to try to weasel his way into sitting down? Which I'm not going to do. The whole thing is pretty obnoxious, but the only way to get them to stop is to be rude...and I don't even know the guy, he's probably an okay guy.


This post was edited on 1/22/15 at 2:43 pm
Posted by The Spleen
Member since Dec 2010
38865 posts
Posted on 1/22/15 at 2:41 pm to
Ask if you can call him back when you get a minute to talk, set your alarm for 3 in the morning, call him at 3 in the morning. If he doesn't answer, keep calling.

He'll get the hint.
Posted by Clyde Tipton
Planet Earth
Member since Dec 2007
38739 posts
Posted on 1/22/15 at 2:43 pm to
quote:

Northwest Mutual


This isn't a guy in Shreveport is it?

He's been bugging my wife and I for 3 months.
Posted by jimbeam
University of LSU
Member since Oct 2011
75703 posts
Posted on 1/22/15 at 2:44 pm to
I get NWM bugging me all the time. I'm starting to think about trolling them
Posted by CidCock
Member since Sep 2007
Member since Feb 2011
8631 posts
Posted on 1/22/15 at 2:45 pm to
quote:

Clyde Tipton


No, Columbia, SC.

I've already heard the pitch from 2 other "associates" over the years. It's insufferable.

They'll draw out a stool with 3 legs to show me how I need to plan for the future. Which usually involves spending a few hundred a month for my whole life policy that has a "cash value"
Posted by CidCock
Member since Sep 2007
Member since Feb 2011
8631 posts
Posted on 1/22/15 at 2:46 pm to
They can even "tailor" a plan to my needs.
Posted by white perch
the bright, happy side of hell
Member since Apr 2012
7137 posts
Posted on 1/22/15 at 2:48 pm to
I use them for TERM life insurance and disability insurance, NWM is a pretty good company, this particular sales agent sounds kinda lika a douche, he may be desperate.

if youre not worried about life insurance, tell him to go frick himself. you wont be the first

then sit back and be happy you in the financial position that you are in. Most have it a lot worse.

Posted by LSUFanHouston
NOLA
Member since Jul 2009
37106 posts
Posted on 1/22/15 at 2:50 pm to
I have some friends that are salespeople/reps for that company. They are all real good people. But no doubt they need to meet people to sell people, especially if they are just starting out.

Assuming he is a newbie (a non-newbie should know better than to call 6 times) you could:

A) ignore and hope he gets the hint

B) Call him back to say you are not interested

C) Tell him you will meet with him at a place of your choosing (not your office or home - maybe a coffee shop). Let him do his pitch. They sell more than whole life insurance - their term products and their disability products are pretty good - expensive, but good.

If you don't like what he has to say, then just thank him for his time and move on.

EDIT: I see you already have heard the company pitch. Yeah, that stool... LOL. Tell him thanks for the call but you are not interested as you have already spoken to a rep from the company.
This post was edited on 1/22/15 at 2:52 pm
Posted by CidCock
Member since Sep 2007
Member since Feb 2011
8631 posts
Posted on 1/22/15 at 2:50 pm to
quote:

I use them for TERM life insurance and disability insurance, NWM is a pretty good company, this particular sales agent sounds kinda lika a douche, he may be desperate.

if youre not worried about life insurance, tell him to go frick himself. you wont be the first

then sit back and be happy you in the financial position that you are in. Most have it a lot worse.


Fraternity brother of a high school buddy, I've never met him.

After he left me a voice mail and I didn't respond the first time, he should have taken a hint.
Posted by Golfer
Member since Nov 2005
75052 posts
Posted on 1/22/15 at 3:00 pm to
quote:

After he left me a voice mail and I didn't respond the first time, he should have taken a hint.


90% of sales aren't closed after the first call. So get used to it.

I use NwM but for term and disability only. My agent always tries to switch me to whole but I remind him I'm by interested.
Posted by BigErn
Member since Mar 2007
3284 posts
Posted on 1/22/15 at 3:04 pm to
Agree to meet with him. Take out a 10 million dollar policy, and write a check for the first month's premium. He'll get his commissions advanced, and probably spend it all. Cancel the policy within the free look period. He'll get a huge reversal from his company, and have to pay it back. He won't be able to pay it back because he spent it all. He'll probably kill himself. He'll be dead, so he won't be able to bother you anymore. Problem solved.
This post was edited on 1/22/15 at 3:07 pm
Posted by CidCock
Member since Sep 2007
Member since Feb 2011
8631 posts
Posted on 1/22/15 at 3:13 pm to
Posted by GoCrazyAuburn
Member since Feb 2010
34885 posts
Posted on 1/22/15 at 3:15 pm to
On a premium that big, the company isn't going to give it all to him upfront for that very reason

To the OP: If the guy has called you that many times, he is very new and very desperate. Not the type of agent I would want to work with anyways. Can always get a free lunch out of it though
Posted by CidCock
Member since Sep 2007
Member since Feb 2011
8631 posts
Posted on 1/22/15 at 3:21 pm to
quote:

Can always get a free lunch out of it though


True, but I know I'm not buying. Hate to waste his time.
Posted by GoCrazyAuburn
Member since Feb 2010
34885 posts
Posted on 1/22/15 at 3:27 pm to
Then just call him back or answer the next time he calls and tell him that. He'll be persistent, but just tell him you aren't interested.
Posted by white perch
the bright, happy side of hell
Member since Apr 2012
7137 posts
Posted on 1/22/15 at 3:29 pm to
quote:

Hate to waste his time


frick him

that little bitch is trying to get your money

let him take you to lunch, get the steak and lobster, get shite faced drunk, all on his dime, and tell him to frick off

everybody will want you money, learn how to take a stand now, it'll make things easier later down the road when the sales people get blonder and have larger breasts


Posted by I B Freeman
Member since Oct 2009
27843 posts
Posted on 1/22/15 at 3:34 pm to
It's not rude to speak plain to him. Just tell him you are not interested and not to call back regarding insurance.
Posted by Clyde Tipton
Planet Earth
Member since Dec 2007
38739 posts
Posted on 1/22/15 at 4:10 pm to
quote:

My agent always tries to switch me to whole but I remind him I'm by interested.


Does your sexual orientation affect the rates that much?
Posted by Golfer
Member since Nov 2005
75052 posts
Posted on 1/22/15 at 10:44 pm to
good catch.
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