Agent Lies

[captain94]

Re: Agent Lie

She's pretty green and sometimes a warning will stop this. I would leave your client out of the meat grinder and not put him through the charade of applying and being denied.

A similar case of home office agent crooked sales tactics;

Recently an agent called my Mutual client telling him he should change plans because his rates will go up April 1st. The agent then sent my client a one pager of the DOI rate increase filing. Problem is my client started January 1st and will not get a notice from Mutual until November for a January 1, 2011 rate increase (12 month rate guarantee).

Shouldn't Mutual be the first to contact my client when there's a rate increase? This agent has a track record of clean sheeting and promising clients that their rates will never go up.

Should I turn him in?

Thats the thing Im thinking of just calling and talking to her for all I know she is brand new and listing to a "Manager"
I hate to run to the DOI if she doesnt know any better.
Now if I call her and she is a horrible person I might consider it.

 

[Yoda]

Re: Agent Lie

Thats the thing Im thinking of just calling and talking to her for all I know she is brand new and listing to a "Manager"
I hate to run to the DOI if she doesnt know any better.
Now if I call her and she is a horrible person I might consider it.

I picture her as making 10 to 12 bucks an hour at some telemarketing insurance place that has been sub contracted out by the insurance company. By the time you got the DOI or the CIA or the FBI after her she will be working in the drive thru line at Taco Bell or changing sheets at Motel 6. Dont do anything and just let it go. Move on and never drag a customer into something with the DOI. The customer was nice enough to do business with you the least you can do is not drag them into the middle of a stink fest.

 

[ksigmtsu]

Re: Agent Lie

She's pretty green and sometimes a warning will stop this. I would leave your client out of the meat grinder and not put him through the charade of applying and being denied.

A similar case of home office agent crooked sales tactics;

Recently an agent called my Mutual client telling him he should change plans because his rates will go up April 1st. The agent then sent my client a one pager of the DOI rate increase filing. Problem is my client started January 1st and will not get a notice from Mutual until November for a January 1, 2011 rate increase (12 month rate guarantee).

Shouldn't Mutual be the first to contact my client when there's a rate increase? This agent has a track record of clean sheeting and promising clients that their rates will never go up.

Should I turn him in?

I had a client that I advised to go with Gerber because of the MOO increase, he was called direct by MOO afterward, I already gave him the MOO prices, and they told him there was no increase, they only went up 5 bucks last year and they expected exactly the same thing again. Told him that was only Mutual of Omaha, not United.

I emailed him the increase form. The Moo telemarketing center I deal with a lot on internet leads is filled with liars.

 

[insurance0707]

Internet leads seem to be taken over by UO/MOO agents that enroll people over the computer - I don't know if it's a call center or what. Very annoying

 

[captain94]

Internet leads seem to be taken over by UO/MOO agents that enroll people over the computer - I don't know if it's a call center or what. Very annoying

It was a cold call, he doesnt have internet.

 

[davidp711]

I say call her out and have him submit the app anyway. I agree that this will make your client trust you more.

 

[ergammill]

Re: Agent Lie

I had a client that I advised to go with Gerber because of the MOO increase, he was called direct by MOO afterward, I already gave him the MOO prices, and they told him there was no increase, they only went up 5 bucks last year and they expected exactly the same thing again. Told him that was only Mutual of Omaha, not United.

I emailed him the increase form. The Moo telemarketing center I deal with a lot on internet leads is filled with liars.

Gerber am MOO/UOM are the same call center, customer service and the Gerber enrollment can be accessed through the MOO/UOO website.

This week or last (my days run together) I was on a MOO/UOO conference call and they were pushing enrolling people over the phone with an e-sig, or just mailing out the app for the client to sign and then they will mail the policy, "that way you never have to see them or talk to them again" sounds more like telemarketing than insurance sales, then again if they encourage this, it is a lot easier for their employees to take over your clients if you don't form a relationship with them

 

[fdahl82]

Not sure why it's being recommended for him to submit an app, to be able to call her out???? I would think there's a better way to handle than to have the client have to go thru the process of submitting an app, just to prove her wrong??

I say call her out and have him submit the app anyway. I agree that this will make your client trust you more.

 

[briko3]

If your client already trusts you, I wouldn't involve him. I would make clear that you don't get any extra than anyone else and that the rate is the same through you or the company. Then I would call her and confront her in a nice way giving her the benefit of the doubt and she how she reacts. If she's a butt, report her.

Chances are she got told to say that by her trainer to get sales and she probably believes that's the truth.

Let us know how it goes.

 

[captain94]

I dont want to put him threw that. He belives me anyway.
I called her but she is a "misrible bitch" So I called Loyal American/Great American and told them what was going on, They looked her up and transfered me to her Manager.

I talked to him, gave him the conditions that my client has and told him about what she said about the "discounts"
He told me that he is un-insurable and he thinks she may be "Clean Apping" the client and he will talk to her and retrain her.
Who knows if he will or not, I Didnt want to turn her in to get in trouble but after I tryed to talk to her directly about it it was clear she is a bad seed.