Dave Ramsey on life insurance
Dave Ramsey on life insurance
Duration : 0:3:0
[youtube gvjir8yxPUI]
Tags: and, buy, difference, insurance, invest, Life, primerica, term, the, univeral, variable, whole
This entry was posted
on Wednesday, September 2nd, 2009 at 7:38 pm and is filed under life insurance.
You can follow any responses to this entry through the RSS 2.0 feed.
You can leave a response, or trackback from your own site.
September 2nd, 2009 at 7:38 pm
That is the way all …
That is the way all agents should operate but in some cases it really depends on what is best for the client or better for the agents commission. We all know that the numbers given to the client can be manipulated to make them look good. Most agents will deny doing this but it is definetly done. Sad to say but I have seen Term agents do this also.
September 2nd, 2009 at 7:38 pm
Good call, Pete. I …
Good call, Pete. I know that I don’t replace anything if it’s not in the best interest of the client. No matter how good I know the paycheck will be.
You keep blindly replacing WL with term BJMTF and it’ll catch up to you eventually.
September 2nd, 2009 at 7:38 pm
code of conduct…. …
code of conduct…………….nice to see pete.
September 2nd, 2009 at 7:38 pm
remember folks we …
remember folks we have a code of conduct we must follow,,,,by law
lets keep it professional BJJMTF
September 2nd, 2009 at 7:38 pm
oh I’m sorry, if I …
oh I’m sorry, if I lumped you in on that catagory, I just haven’t ran into anyone that feel outside of it in person. And you’re right, you are too busy, making my life esier because I walk in and REPLACE EVERYTHING you gave them… I’m going to actualy replace kinda funny, a WL and TERM next weekend… but anyways, GL with life =)
September 2nd, 2009 at 7:38 pm
Wirehead: I wasn’t …
Wirehead: I wasn’t saying that you were greedy. I don’t know you. I know the industry though. The Life insurance industry is full of twisted training and misrepresentations and then they expect the agents to use that to go out to the customers. Lets face it. WL or BTID are both products of selling the clients on the future. The difference is that one is based on actual past performance and one is based on pure faith of Insurance companies. I will take my chances with the market. It’s more honest
September 2nd, 2009 at 7:38 pm
explain to all of …
explain to all of us why sell trash value to families??? i know it is done because i replace it all the time !!! tell us why you sell ul policies to the phillipino community????
September 2nd, 2009 at 7:38 pm
You’re funny, bond. …
You’re funny, bond. You know, I’m willing to say that you and even Dave are trying to help ppl. I know that, so I’m not going to question your character. However, you insist that I sell WL bc of greed. That’s quite an accusation to make when you’ve never met me. Also, its impossible to prove anything from a long series of umptions, which is all BTID has to rely on. Good luck to you.
September 2nd, 2009 at 7:38 pm
Hell no. I never …
no. I never said that a you tube challenge is the way to go. In fact Dave Ramsey couldn’t give a crap albout You Tube. Actually I did answere your question. There is a safety net. By the way BTID works every time. It is that self indulged WL Commission backed agents like you don’t ever look for the way to make it work and so for you it doesn’t. It has always worked for my. I guess even a crook can make robbing people look good.
September 2nd, 2009 at 7:38 pm
Wirehead: I have …
Wirehead: I have never put my clients through a ing contest. In fact I have never had a ing contest at all. Boy I can tell you have been trained by a crooked Insurance industry. As a matter of fact I teach my clients that if myself and their old agent are at their table that the first one that rasies their voice or creates a argument to throw out. What I prove at the table is the numbers. Period. It isn’t flawed at all.
September 2nd, 2009 at 7:38 pm
By the way Dave was …
By the way Dave was fully licensed and he does understand. But you wouldn’t see that.
September 2nd, 2009 at 7:38 pm
So the only way a …
So the only way a challenge can be made is on YouTube? I will ask him to put the challenge out there; just to shut you up! LMAO!!!! Never seen a WL agent that would sign their name to what they say, we do it every time we sign a contract. As to uneducated blowhards, my, my.. But you know what you still have to yet to answer; put your name on the line. If a client loses with BTID; where is the saftey net? You have yet to say anything about what happens when BTID does not work?? Why is that?
September 2nd, 2009 at 7:38 pm
First of all don’t …
First of all don’t ever lump me in with some other trash agent who would play a race card to get a sale. So don’t go there. I have not said anything of the such in any of my post! I am happy to debate and beat you in the ring of professionalism on how BTID is a bad deal. And yes, I agree I don’t have the time to write back on all of your idiotic comments on BTID being better than WL. I am too busy writing WL AND TERM, to cover my clients!
September 2nd, 2009 at 7:38 pm
Well, yeah that …
Well, yeah that would be unprofessional. Why put a client in the crossfire of a ing contest? Would you put one of your clients through that? I misunderstood what you were saying. I don’t really care that you’ve been in the business for 22 yrs. I’m sure you serve your clients well, but you’re working from a flawed paradigm. We aren’t going to agree, so–if it’s ok with you–let’s call this conversation over.
September 2nd, 2009 at 7:38 pm
I’ve read his book, …
I’ve read his book, and yes he is misrepresenting life insurance. I’ve heard him give screwy advice on all kinds of different topics. It’s not his fault that he doesn’t know everything there is to know, but it IS his fault that he poses as an authority on everything under the sun. Mixing entertainment and “financial planning” just isn’t a good idea. Someone should stop him from advising of life insurance. He is hurting the public with what he thinks he knows.
September 2nd, 2009 at 7:38 pm
I’ve had agent …
I’ve had agent confrontations… and you want to know how much product talk they did with me??? ZERO! they based me as a person, said not to trust me because I am not the same race, and they asked them why do you trust him and not me!?!?!?!? And as a last ditch effert, they tried to sell them a TERM!!!!
September 2nd, 2009 at 7:38 pm
Wirehead: Most so …
Wirehead: Most so called professional agents tell me that they wouldn’t meet me at the clients table because that is too unprofessional. As far as meeting just an agent, I probably wouldn’t waste my time just like I don’t waste much time anymore here on YouTube although I used to. Even though I know you will disagree, but in my 22 plus years of Life Insurance experience there is always an alternative to CV Life Ins, one that is better for the client in every way. More Coverage and more Savings.
September 2nd, 2009 at 7:38 pm
Actually wirehead …
Actually wirehead his Life insurance information is more accurate than Whole Life agents like to admit. Most agents wouldn’t take the time to go through one of Daves courses but I did. We also had another WL agent there. Believe me we had heated debates. He Covers all types of life insurance very well. I don’t agree with everything that Dave says but he is not misrepresenting Life Insurance. If he was don’t you think that with such an important topic of planning that he would be stopped?
September 2nd, 2009 at 7:38 pm
As far as courage …
As far as courage on Youtube, I’d agree with that. This isn’t an ideal place to discuss this, but here I am and here you are. You might know more than most Primericans, and that’s great. However, it’s also easy to act like ppl are scared meet you “across the table” on here knowing that nobody really cares enough to have such a meeting. If you were local, I’d be happy to sit down and have a respectful conversation with you–but you aren’t, so there’s no need to pound your chest.
September 2nd, 2009 at 7:38 pm
Bond: I don’t think …
Bond: I don’t think that just any WL agent should take on Dave Ramsey. Not bc Ramsey knows much about insurance but bc of the force of his personality. It would have to be someone that wouldn’t put up with his massive ego and bullying. There are, however, many people capable of making Dave look just plain stupid. You can listen to Dave for just few minutes on life insurance and almost everything he says is a misrepresentation. I’ll give him his due, he helps ppl with debt. That’s about it.
September 2nd, 2009 at 7:38 pm
Novack: You are …
Novack: You are just another blowhard here on Youtube. But when it would come down to nut cutting time you would run away just like every other bullshit artist here on YouTube. I have had some personal chats with some very professional reps here on You Tube and they wont post because of loudmouth morons like you. Many of us have been in this business long enough to see agents like you end up in deep legal because of your mouth. Good luck with taking on Dave. You couldn’t even last 1 minute.
September 2nd, 2009 at 7:38 pm
Novack: I doubt …
Novack: I doubt that your boss or you would have the balls to take anyone on. It is easy to say it here on YouTube. Why don’t you show everyone on YouTube the invitation to Dave and Suze and then I might believe. I have never seen a Whole Life selling agent that would sign their name to what they say. NONE. By the way I am not afraid to answer your posts at all. I just choose to spend some time with my family and customers rather than blow a ton of time battling uneducated blowhards like you.
September 2nd, 2009 at 7:38 pm
Ed Who? There are a …
Ed Who? There are a lot of self proclaimed experts. Some of them are good and some are just self indulging morons that just try to get you to buy their book or service. Do your homework. Look at several sources. Compare notes. By the way Dave understands ALL kinds of insurance. Most of the agents here on you tube are courageous when they are by themselves on a computer but when it comes to really committing then they fall short.
September 2nd, 2009 at 7:38 pm
Wirehead: I have …
Wirehead: I have news for you. It is easy to fight here on you tube because all you have to do is turn off the computer and you feel you won. It is easy to say that you would take on someone like Dave or Suze but it would be a different fight to actually do it. I have never found one WL agent to put their licence and business on the line when it comes to meeting me across the table. I know that the same would happen in Daves presence. Many of the agents have guts on YT but none when it counts.
September 2nd, 2009 at 7:38 pm
Hey Cover, and any …
Hey Cover, and any one else out there who is reading the banter… Notice how Bond and the other BTID are afraid to answer this. They will not admit that Ramsey will not debate the topic. That he, the might Dave Ramsey, will not take on a WL professional. No reply’s on this thread, see my point. They want to rip the product but when they have to step in the ring, RUN AWAY!! RUN AWAY!!! So BTID write all you want, email all you want. But SET UP THE DEBATE!! Ask Ramsey why no debate? Chxn!