Americo's NEW Nonsmoker Rates For Smokers

[jemelton]

What a bunch of garbage.

 

[VolAgent]

I don't see the big deal.. Why do we always feel the need that we are hand holders. Financial and Insurance guys act like clients are children. As if they can't make a simple choice.

Hey Mr. Smith, because of your smoking habits, what you qualify for are smoker rates at $100/ month for $24000 of death benefit.

Now if you're serious about quitting smoking, you are eligibile to get non smoker rates for a short period of time, at $75/month for the same death benefit. However if you do not follow through, your death benefit gets bumped down to $18,000.

Now I can couch the 2nd choice by saying, if you chose that option , you run the risk of not being eligible for more death benefit 3 years later, but at the end of the day ... Mr. Smith is a grown man and should be able to make a decision.

Uh huh...

I hope that Americo included a disclosure that needs to be signed about this. Otherwise its going to be a lot of "he said, she said" down the road.

And I'm taking you at your word that you'll say it and do it every time. I'm also quite certain they will forget the second you walk out the door and they puff away on another cigarette.

 

[goillini52]

Help! Someone stop me!

What about Golden Showers?

 

[Baseball7]

There are like 2/3 extra disclosures

 

[goillini52]

There are like 2/3 extra disclosures

For a Golden Shower?

 

[VolAgent]

For a Golden Shower?

Its on the house.

 

[ExProgrammer]

There are like 2/3 extra disclosures

Why not make it a full disclosure instead of two thirds of one?

 

[suranceman]

Let the abuse begin. Here's a nice little email I got.

 

[VolAgent]

Let the abuse begin. Here's a nice little email I got.

Was someone asleep in legal and sales or are they somehow planning to dump this all back on agents when it goes belly up?

 

[Baseball7]

Let the abuse begin. Here's a nice little email I got.

Oh man. May as well just start a social media campain #flipyourbook