Richard Cazares & Associates

How much money can I make in a month?
Top and average producers are usually in the range of $6,000AP = $3,900 advanced & up to $5,100 including your pay thru.

Top producers are in the range of $20,000AP = $12,800 advanced & up to $17,000 including your pay thru.

What is the company average monthly policy?
Between $45 & $50 a month.

How much money do I make on a $50 Policy?

Do I have to pay for the company materials?
No. All material, brochure, folders, applications & training are Free.

How long does it take to get Paid?
The day that Lincoln Heritage receives your new business with checks or a checking account number, your money gets deposited into your bank account that same night.

Do you have chargebacks?
Yes. All insurance companies have charge backs if the client cancels within the 1st year.

How much do your direct mail leads cost?
Both English & Spanish are $30

How much do your funeral advantage tv leads cost?
English are $40 & Spanish are $41

What is lead financing?
Lead financing are leads transferred to you with no up front charges. When you start submitting your new business you are charged a small percentage of your new business income to pay back the leads.

What exactly do you sell?
We sell small whole life policies ranging from $2,000 to $35,000 for either a traditional funeral or cremation. These small policies do build cash value, the payments are fixed and the coverage amount never decreases. We have 2 plans (for the the healthy and the unhealthy) 99% of all applicants Qualify.

How much are your health and dental benefits?
Approximately $100 a month per individual or $300 for a family plan qualifying at the highest level.

Do I have to be captive?
Absolutely. We are not in the business to give away leads so that agents can use them for other companies.