Questions from a new agent still on the learning curve...
1. How can a local agent give you the same prices? They would have to be appointed by the carrier being offered in Quickquote, no?
2. What additional help can a local agent provide for getting approved? Are you referencing that we can contact the underwriting departments and get a risk assessment prior to ever submitting the app?
Thanks for the info!
You are not asking me, but I can give an answer:
1. In non pre appointment states, you can send the application in with the appt. paper work, if a particular carrier is needed and offering a better price for your client, taking into consideration heatlh uw guidlines etc.
2. Risk assesment is a biggie and the agent can help with this as well. A client with hbp and depression may get a non competitive quote from a carrier quoting the best std rates and a super competitive quote from a carrier quoting poor std. rates. It depends on where they are placing their bets.
Additionally, an agent in good standing with a carrier can affect the outcome. I had a Sr. underwriter contact me recently on a case and told me that he was sitting on the fence as far as rate up of 25 or 50 %, and wanted to know what I could tell him about the case. Fortunately I had met with her and told him what I knew of her activities and my personal impression and she got the 25% rate up and in this case it saved her over $50 per month. A skilled agent willing to apply himself is worth a great deal to a client.