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  • jfoxcpacfp
    replied





    cool slide-shows and freebies
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    Johanna,


    What has this world come to?
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    You answered your own question. Take a deep breath. Tax season is over in a few days. It’s asked and answered. Not answered and asked.

    It’s 5 pm, would a glass of wine help? Sign of burnout.
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    You're digging up my words from 2017, you scoundrel. That's as good an excuse to go home as I've ever had. And have a glass of wine. Or whatever.

    Leave a comment:


  • Tim
    replied


    cool slide-shows and freebies
    Click to expand...


    Johanna,


    What has this world come to?
    Click to expand...


    You answered your own question. Take a deep breath. Tax season is over in a few days. It's asked and answered. Not answered and asked.

    It's 5 pm, would a glass of wine help? Sign of burnout.

    Leave a comment:


  • VagabondMD
    replied










    Anyone know how much a NWM insurance sales person makes?  Low end to upper end?
    Click to expand…


    I would guess the range is between $5000 and $5M, 95% plus falling in that range. The better you are at sales and the better (read: wealthier) your contacts, the more you will earn.
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    5 million is a lot of money for insurance sales right!!!  Maybe I’ll transition into my second career, LOL
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    A good salesperson has greater earning potential than a good doc. Most docs are not wired or brought up to be good at sales.

    Leave a comment:


  • FunkDoc83
    replied







    Anyone know how much a NWM insurance sales person makes?  Low end to upper end?
    Click to expand…


    I would guess the range is between $5000 and $5M, 95% plus falling in that range. The better you are at sales and the better (read: wealthier) your contacts, the more you will earn.
    Click to expand...


    5 million is a lot of money for insurance sales right!!!  Maybe I'll transition into my second career, LOL

    Leave a comment:


  • VagabondMD
    replied




    Anyone know how much a NWM insurance sales person makes?  Low end to upper end?
    Click to expand...


    I would guess the range is between $5000 and $5M, 95% plus falling in that range. The better you are at sales and the better (read: wealthier) your contacts, the more you will earn.

    Leave a comment:


  • SerrateAndDominate
    replied
    No idea, but I'd be happy to field questions for the group

    Leave a comment:


  • FunkDoc83
    replied
    Anyone know how much a NWM insurance sales person makes?  Low end to upper end?

    Leave a comment:


  • mkintx
    replied
    I have my disability with them.  It's not the greatest, but I've had it so long that it is fairly inexpensive and is good enough at this point.  They used to try to sell me on whole life all the time but I got aggressive with them and they stopped.  When I canceled my life insurance with them, they tried to scare me into keeping it, saying that at my age I wouldn't be able to qualify for such a good rate, and I told them I just qualified with a different company for a new 20 year policy for significantly less money (thanks, term4sale.com!).  They don't even bother calling me anymore.

    I initially started with them because they were recommended by a colleague I trusted, and I was ignorant.  He was as well.  We are our own worst enemies.

    Leave a comment:


  • SerrateAndDominate
    replied
    Just got a calendar invite at my fellowship program that this company has someone giving a talk in two weeks. I kinda want to sit in and troll it

     

    Leave a comment:


  • Tpeters2010
    replied
    I have a cousin who works for NML. They have ties inside my residency, that's undeniable.

    I purchased a modest own occ disability & small term life policy from him about 4 years ago. I'm a pediatrician, DINK household, so don't need lots with no kids and spouse who can support self. Premiums amount to 2-3 hundred per month. (Maybe I could do better if 30% less for others' premiums is ossicle per previous posts?)

    Since I didn't know an insurance broker in the area, I figured this was reasonable disability product as any of the big 5. My other residency peers sounded clueless about finances so I didn't ask them.

    +1: he offered to set up a backdoor Roth - I declined. He never gave the WL pitch. ( I was Boglehead / WCI reader so I knew to avoid WL)

    Leave a comment:


  • Donnie
    replied
    If it makes you guys feel any better, docs aren't the only ones getting hassled by NWM.  I get a cold call from NWM about once a quarter.  I get a lot of calls from wealth management people.  It wasn't until I started reading the forum here that I realized one of the repeat callers is NWM since I always end the call quickly after the intro.

    Leave a comment:


  • The White Coat Investor
    replied




    In my case I did my undergrad and medical training in Milwaukee, where NML is based.  They had a great reputation in the city, I believe offered free lunches to their employees and were consistently rated one of the best places to work, plus they had the very high insurer ratings.  So to me, as a young physician ignorant of financial matters, I figured such a good company would be equally good to its clients.  It took me some time to figure out they were not.  Luckily I never bought any of their whole life or annuities.
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    Which is the really disappointing thing about it. I mean, they're mutual! It's not a matter of treating the clients well, it's a matter of treating the OWNERS well. What kind of a company doesn't treat the owners well? It's tragic, really.

    Leave a comment:


  • Rando
    replied
    In my case I did my undergrad and medical training in Milwaukee, where NML is based.  They had a great reputation in the city, I believe offered free lunches to their employees and were consistently rated one of the best places to work, plus they had the very high insurer ratings.  So to me, as a young physician ignorant of financial matters, I figured such a good company would be equally good to its clients.  It took me some time to figure out they were not.  Luckily I never bought any of their whole life or annuities.

    Leave a comment:


  • The White Coat Investor
    replied




    Which could it be considered, libel or slander, if I share my personal experiences with NWML on this forum? I guess I better just keep my mouth shut. ????
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    You can say whatever you want. You just need to make sure your opinions are clearly identified and your facts are true. Then you're guilty of neither libel or slander.

    Leave a comment:


  • VagabondMD
    replied
    Which could it be considered, libel or slander, if I share my personal experiences with NWML on this forum? I guess I better just keep my mouth shut.

    Leave a comment:

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