What is PCS?
A customer service-based leads program connecting Symmetry clients with Certified Advanced Market agents to offer the advanced products solutions for every household.
When will PCS follow up with clients that I wrote policies on?
PCS agents will start reaching out to clients 14-18 months after you initially protected the client.
One of my clients was recently contacted by PCS, how do I know they were put in the best situation?
Based on the client's financial information form, our PCS agents are Subject Matter Experts and will be able to determine the best situation for your client. If you feel like the product was not in the best interest of your client, please reach out to your upline.
If a PCS agent writes something that you are not certified or trained for, how do you receive the split?
As a result of our new commission accounting software, you can now receive your 40% split bonus regardless of certification.
Do we need to be appointed to the carriers that will be used for the PCS type products to get paid the 40% split bonus?
You do not! With our new commission software, you no longer need to be licensed in the state where the sale is made or appointed with the carrier to receive your 40% bonus.
If PCS does an app split with us, are we still subject to a chargeback if it falls through?
Yes, all agents that were paid on the new policy will be subject to chargebacks as usual. PCS agents are highly trained and monitor every case with data analytics. Due to this, the chargeback occurrence should be lower than usual for most agents.
My client was recently PCS'd, when can I expect PCS payment?
Subject to our accounting cycle, payment is typically issued after the policy has had its first policy premium paid. To view all PCS Bonus payments, you can log on to HQ, on your menu on the left-hand side select 'My Clients’ and find 'PCS Bonus'. Speak to your direct if you believe you are overdue for PCS Bonus payment.
Do PCS bonus payments count toward minimum promotable premium?
Currently, sales by the PCS team do NOT count towards sales bonuses or promotions.
What does the text message from the PCS agent to clients say when contacting?
All agents use the Switchboard platform and pre-formatted campaigns to initiate conversation with clients that come up for Policy Review -
"Hey!
This is {PCS Agent Name}, I’m the Servicing Advisor on your {Carrier} {Product Type (Whole Life, Term, IUL)} policy-you worked with {Original Writing Agent} in our office.
Your {Carrier} policy is currently up for review, and I am reaching out to help with that. Does texting work for you, or would you prefer a call? "STOP" = opt out of texts. Reply STOP to unsubscribe.
Thanks, {PCS Agent Name}
Who would be a good candidate for becoming a PCS agent?
First and foremost, an agent who has a high level of humility and is willing to adopt a proven process. Second, someone with at least two or more years of experience and very well-versed in all things related to life insurance and providing advanced solutions. In addition, there is a PCS certification course that will need to be completed. PCS agents will need to be well-versed in every solution in our arsenal. From tax free retirement, to getting clients out of debt using our Debt Free Life platform, and everything in between. Any problem you uncover can be solved with an insurance product; you’ll provide the right solution.
How do I join PCS?
Speak to your direct upline to learn more about how you can get involved in PCS!
Can I be a “builder” inside the PCS Division?
PCS isn’t the best place for an agent looking to build a large team. It’s the home for elite producers. Some of our other marketing strategies will provide a much better environment for builders.
I don't want my book of business contacted; can I opt out of PCS?
You need to contact your 130 direct regarding your PCS participation. In order to opt out you will need to be fully certified in Advanced Markets such as: Annuities, DFL, IUL, IBC, and PCS.