With foresters you have to look at their medication list, it's pretty straight forward, it will tell you if level or not.
58 MNT Afib, Anybody Do Level?
- Thread starter nfl72
- Start date
With foresters you have to look at their medication list, it's pretty straight forward, it will tell you if level or not.
Sounds like there is a Medication that triggered the Issues with them. Most likely a drug used for Cardiomyopathy, Angina or CHF (Coreg). Coreg is OK with both companies if used for HBP.
Foresters can be picky with combination of certain drugs with Coreg.
List the Drugs and we can help you further with that.
I have been in this situation many a times before. Yes you did mess up a little. Should have never told him level. You will not make that mistake again. Try to graded and if it comes back at level he would have been happy. Clearly in your situation one of 2 things are present. Either one,he lied or forgot, or two the MIB is wrong. I would bet the farm he is lying/forgot. Besides the chances of changing the MIB are non existent. I have dealt with this a few times and not once has MIB changed. Either the insured forgot, lied, or was not told by his or her doctor.
So what do you do? Here is what I have done and it has always worked. I was told by another agent and she assured me it would work. So I tried it and yes! It does work better as a female and this is why. Unless you are male dealing with a female client. You tell him lets sit and talk. You hold his hand, look into his eyes and say "I am deeply sorry you do not qualify for level coverage due to your condition, and I have never seen a mistake with the MIB". "Its possible one of your doctors over the years did not tell you." Then let go of his hand.
Then you re-explain why he wanted life insurance in the first place, almost re-selling.It is time consuming but it works. Maybe if he is a male and you are male maybe not hold his hand lol, but just be frank with him. If he or she is unwilling to do at that point, move on, simple as that. Time is money and no point wasting time when no sale can be made. But like I said it has always worked for me. I really believe they are so thrown off by my sales tactics that they see you like a friend/mentor. As opposed to a salesperson.
So what do you do? Here is what I have done and it has always worked. I was told by another agent and she assured me it would work. So I tried it and yes! It does work better as a female and this is why. Unless you are male dealing with a female client. You tell him lets sit and talk. You hold his hand, look into his eyes and say "I am deeply sorry you do not qualify for level coverage due to your condition, and I have never seen a mistake with the MIB". "Its possible one of your doctors over the years did not tell you." Then let go of his hand.
Then you re-explain why he wanted life insurance in the first place, almost re-selling.It is time consuming but it works. Maybe if he is a male and you are male maybe not hold his hand lol, but just be frank with him. If he or she is unwilling to do at that point, move on, simple as that. Time is money and no point wasting time when no sale can be made. But like I said it has always worked for me. I really believe they are so thrown off by my sales tactics that they see you like a friend/mentor. As opposed to a salesperson.
- 4,686
Soft hands tend to warm the heart.
- 26,077
I think I may pass on the hand holding.
- 19,578
Now I see why you go straight to gerber.
Look, first of all it is not your fault this deadbeat has health issues nor is it your fault he is either a liar or forgot or both, Id side with liar if Im a betting man. Nevertheless, for him to get irritated is funny. You are trying to help the dimwit. I would have told him look dude, I was trying to get you first day coverage out of the gate, turns out you dont qualify, not my fault, not your fault, not Foresters or RNAs fault, it is what it is. I can still get you first day coverage with another carrier, would you like to move forward or sit and stew like a 5 year old, die and screw your family? Its up to you Jack. Im just here to help. Then shut up. Whatever he says next will determine if he is even worth fooling with, your time is valuable, dont waste it on morons.
And for the record, you really didnt screw up, you just have to be a little more careful on playing the first day coverage card. Ease into it but I always tend to be a little more conservative until the phi is complete.
- Thread starter
- #18
When we first spoke on the phone about a week ago he had already been turned down by State Farm. He was then referred to me. On the phone when we scheduled the interview we spoke about all his meds and ailments etc. At that time I explained to him the difference between level graded and modified. I expected him to have to settle for graded. After I posted this thread and called RNA and Foresters it appeared as if he could get level.
When I showed up for his appointment he started walking me around his ministry store and he was complaining about tight money etc. It sounded to me like he was making excuses for not being able to afford life insurance. So I then pushed the fact that were very fortunate to get level etc.
I have his last Dr's. statement dated 4/12/15. It says he takes the following
atorvastatin 20mg
Coreg 6.25 - just started with no refills for Atrial Fibrillation with controlled ventricular response
lisinipril 5mg
Plavix 75 mg
He has never had a stroke and the DR told him to come back in a year, which is in writing.
FTR I am not the hand holding kind of guy, unless I am trying to get laid or something very similar.
When I showed up for his appointment he started walking me around his ministry store and he was complaining about tight money etc. It sounded to me like he was making excuses for not being able to afford life insurance. So I then pushed the fact that were very fortunate to get level etc.
I have his last Dr's. statement dated 4/12/15. It says he takes the following
atorvastatin 20mg
Coreg 6.25 - just started with no refills for Atrial Fibrillation with controlled ventricular response
lisinipril 5mg
Plavix 75 mg
He has never had a stroke and the DR told him to come back in a year, which is in writing.
FTR I am not the hand holding kind of guy, unless I am trying to get laid or something very similar.
- Thread starter
- #20
Sir John Galt stated
"Look, first of all it is not your fault this deadbeat has health issues nor is it your fault he is either a liar or forgot or both, Id side with liar if Im a betting man. Nevertheless, for him to get irritated is funny. You are trying to help the dimwit. I would have told him look dude, I was trying to get you first day coverage out of the gate, turns out you dont qualify, not my fault, not your fault, not Foresters or RNAs fault, it is what it is. I can still get you first day coverage with another carrier, would you like to move forward or sit and stew like a 5 year old, die and screw your family? Its up to you Jack. Im just here to help. Then shut up. Whatever he says next will determine if he is even worth fooling with, your time is valuable, dont waste it on morons."
LOl that is pretty funny and also a little true!
I am 90% sure I will get the guy but I should have left with a graded app in hand. I did write 25K on his wife. This guy is also not your typical FE buyer. Very well educated and organized. He has all his medical records over the past ten years etc. When I sensed he was making excused for not being able to buy I started selling the benefit of Level. That was where I got weak.
"Look, first of all it is not your fault this deadbeat has health issues nor is it your fault he is either a liar or forgot or both, Id side with liar if Im a betting man. Nevertheless, for him to get irritated is funny. You are trying to help the dimwit. I would have told him look dude, I was trying to get you first day coverage out of the gate, turns out you dont qualify, not my fault, not your fault, not Foresters or RNAs fault, it is what it is. I can still get you first day coverage with another carrier, would you like to move forward or sit and stew like a 5 year old, die and screw your family? Its up to you Jack. Im just here to help. Then shut up. Whatever he says next will determine if he is even worth fooling with, your time is valuable, dont waste it on morons."
LOl that is pretty funny and also a little true!
I am 90% sure I will get the guy but I should have left with a graded app in hand. I did write 25K on his wife. This guy is also not your typical FE buyer. Very well educated and organized. He has all his medical records over the past ten years etc. When I sensed he was making excused for not being able to buy I started selling the benefit of Level. That was where I got weak.
