Americo Marketing

[PittAgent]

I just submitted my first Americo apps. Two were clean as can be and from the time I emailed to date of issue was over a week. That process seems pretty long. Another guy was flat out declined and the only thing they will tell me is a drug on MIB. They won't tell me what it is or why. Is this normal experiences with Americo!

 

[FEproducerKen]

I just submitted my first Americo apps. Two were clean as can be and from the time I emailed to date of issue was over a week. That process seems pretty long. Another guy was flat out declined and the only thing they will tell me is a drug on MIB. They won't tell me what it is or why. Is this normal experiences with Americo!

I had the same thing happen not long ago with Americo. Client looked good on the app so I did not even go into the meds. It was declined because of drug on MIB. I blame myself for that one. I go over meds now regardless of how they answer the questions. Wound up placing a GI. Two to three hours drive time for the two trips. Lesson learned.

 

[rousemark]

I just submitted my first Americo apps. Two were clean as can be and from the time I emailed to date of issue was over a week. That process seems pretty long. Another guy was flat out declined and the only thing they will tell me is a drug on MIB. They won't tell me what it is or why. Is this normal experiences with Americo!

Due to HIPPA restrictions, I don't know of any company that will reveal to the agent information developed through MIB or Script Check so I would say this not only normal only for Americo but for all companies..

 

[HoosierLife]

I had the same thing happen a month ago. What I did was call in a PHI with Oxford knowing she would most likely get declined. Had her put the phone on speaker and every problem drug was discussed in detail. So then I knew where to put her.

 

[deadhead]

If you build a good enough relationship with underwriting they will eventually hint at the problem or say something like "it could be..........or it may be.........." LAst time I asked about a customer the hint was "A medication they may be on is usually used for..........."

 

[rousemark]

If you build a good enough relationship with underwriting they will eventually hint at the problem or say something like "it could be..........or it may be.........." LAst time I asked about a customer the hint was "A medication they may be on is usually used for..........."

It is nice that you have built enough rapport with the underwriter that he/she would risk their job to satisfy your curiosity. That "hint" would be a HIPPA violation if they were ever reported for it.. They only proper answer for them to give when you ask is, "I am sorry but due to HIPPA regulations, I cannot provide you with that information."

 

[Agentguy5]

It is nice that you have built enough rapport with the underwriter that he/she would risk their job to satisfy your curiosity. That "hint" would be a HIPPA violation if they were ever reported for it.. They only proper answer for them to give when you ask is, "I am sorry but due to HIPPA regulations, I cannot provide you with that information."

Seriously man, I guess you have never built a relationship with an underwriter or someone in new business? Sounds like you're just not sending up enough business to build that kind of relationship.... or maybe you just never asked for a little more info about a client?

You'd be surprised what people will tell you if you just ask the right way!

 

[tomoverton0123]

It is nice that you have built enough rapport with the underwriter that he/she would risk their job to satisfy your curiosity. That "hint" would be a HIPPA violation if they were ever reported for it.. They only proper answer for them to give when you ask is, "I am sorry but due to HIPPA regulations, I cannot provide you with that information."

Carriers can't give details because of HIPPA. No carrier will risk a $250,000 fine.

 

[senior-advisor-indiana]

Carriers can't give details because of HIPPA. No carrier will risk a $250,000 fine.

The carriers might not want to risk it but I have ran into a few underwriters that don't mind...

 

[PittAgent]

The carriers might not want to risk it but I have ran into a few underwriters that don't mind...

That's kind of ridiculous since we were just with that client getting everything from their social security number to whatever their medical condition are to their bank account information. I understand the law is what it is but not being allowed to know what the reason for the decline was after all the other things we were voluntarily told is ridiculous.