Child Only Policies

[Guest]

I don't know what their underwriting was like back in 03 for their children's WL plan, but I haven't experienced any major problems in 2012, other than them being a "tad bit" slow with placement and automatically declining children with asthma that are under the age of 5.

Who know's maybe they changed a little in recent years.

Other than the two factors listed above and the fact that you have to hand deliver the policies, nothing beats being able to write an app. on someone's child, grandchild or great grandchild that's in a completely different state and, might I add, without the need for their signature or other major personal information.

Also, their rates are pretty good; they even beat out RYN's in some instances.

you ignore question there Kwammy boy,

How long you been in business, prove it.

 

[kwamster]

you ignore question there Kwammy boy,

How long you been in business, prove it.

I already answered that question - "Reading is Fundamental"

Also, once again, please learn proper grammar, before attempting to put up a post.

Yee-haw!

- "Wolves that howl too loud, get their teeth broken"

 

[Jerard]

Also, once again, please learn proper grammar, before attempting to put up a post.

Yee-haw!

- "Wolves that howl to loud, get their teeth broken"

Speaking of proper grammar, shouldn't that be "too loud"?

 

[kwamster]

Speaking of proper grammar, shouldn't that be "too loud"?

Thanks for pointing that out (I'll make a correction), but there's a big difference in a typo and poor / bad grammar.

 

[Jerard]

Thanks for pointing that out (I'll make a correction), but there's a big difference in a typo and poor or bad grammar.

I agree. My point being that if you're going to point out another person's imperfections you should strive to be perfect yourself, at least in the same post, anyway.

 

[Norwayguy]

How they deal with agents. How they deal with their own customers.

Sometimes if a company bring the best value to the client then things can be overlooked. There is nothing MoO brings to the table that another cannot do better.

Jdeasy I have never found one of my MoO clients to be solicited by the company directly. In regards to the MedSupps shell game I agree with you but that is a nonissue on the life side there are no shell games in that regard. Could you expound on this piece of them reaching out to the client directly that would be a big deal breaker for me. I am aware the have somewhat of a captive sales force (they do not have a branch on my state).

 

[jdeasy]

Jdeasy I have never found one of my MoO clients to be solicited by the company directly. In regards to the MedSupps shell game I agree with you but that is a nonissue on the life side there are no shell games in that regard. Could you expound on this piece of them reaching out to the client directly that would be a big deal breaker for me. I am aware the have somewhat of a captive sales force (they do not have a branch on my state).

The go directly to the client to try and sell then cancer plans, LTCi, life insurance or whatever they offer.

On the life they go directly to the client about increasing the coverage. It's the not the shell game of the med sups but it's still their attempt to bypass the agent.

 

[kwamster]

I agree. My point being that if you're going to point out another person's imperfections you should strive to be perfect yourself, at least in the same post, anyway.

Touche', to your point in general.