Chris Westfall -- "WING IT .."
- Thread starter NuUzr
- Start date
- 5,995
I have been in the insurance business longer than most of the folks on this forum, with the exception of Rouse. He has me beat by at least 20 years, maybe more.
Heck the guy has died three times and come back to life. You can't keep a good man down.
Sometimes carriers change their apps. One of the last paper apps I did was returned to me THREE WEEKS LATER because I used an app that had been discontinued about a week before I took it. I had to fill out the new application and send it to the client for signatures all over again. Wait to get it back, then mail it to the carrier again. It was 2 months from the time I first took the app until it was approved . . . all because the carrier decided to make a minor modification in the app.
I still have no idea where the change was made.
Thank God for electronic apps that can only be submitted when all open spaces have something in them.
And e-apps are always current.
Paperwork is a thing of the past for me. If a carrier does not have an e-app, I don't use them.
Heck the guy has died three times and come back to life. You can't keep a good man down.
Sometimes carriers change their apps. One of the last paper apps I did was returned to me THREE WEEKS LATER because I used an app that had been discontinued about a week before I took it. I had to fill out the new application and send it to the client for signatures all over again. Wait to get it back, then mail it to the carrier again. It was 2 months from the time I first took the app until it was approved . . . all because the carrier decided to make a minor modification in the app.
I still have no idea where the change was made.
Thank God for electronic apps that can only be submitted when all open spaces have something in them.
And e-apps are always current.
Paperwork is a thing of the past for me. If a carrier does not have an e-app, I don't use them.
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Just came close on three occasions.. My wife was telling me today they didn't think I would make it when I had my first heart attacks,, first I have heard of that..And that they didn't think I would make it about a year ago when I had my last heart attack.. first I had heard of that too!... However, I was told my cancer was massive and incurable so I wasn't expecting to make it through that.. But I am still here..
As for your problem with the app. That was not a case of you faking your way through it. Had you known the app had been changed, you would have used the correct app.
- 8,707
Had that happen to me once and besides the date on the form could never find any difference between the apps to top it off the carrier did not send emails to agents only snail mail letters and mine was postmarked after the change.
- 15,041
I have not seen the video, so I cannot comment as to the context in which it was said. But here is the reality. No amount of practice, education or training will ever equal reality. Finally getting out there and doing something is the true test and where knowledge is truly learned.
Otherwise rookies wouldn't constantly get schooled by veterans in any field. Someone with 10 years of experience would be exactly the same as they were when they first started. That simply isn't how it works.
Take a look at aviation. There is a checklist for everything. Yet eventually someone still has to sit at the controls and do it, and the past experience of doing it when it matters makes you better for the next time it happens.
There is another thread going on where myinsurebiz got out there and did something. I'm scratching my head at why he did it the way he did, but he learned something and made money doing it. He didn't sit here and study video after video and never try.
Otherwise rookies wouldn't constantly get schooled by veterans in any field. Someone with 10 years of experience would be exactly the same as they were when they first started. That simply isn't how it works.
Take a look at aviation. There is a checklist for everything. Yet eventually someone still has to sit at the controls and do it, and the past experience of doing it when it matters makes you better for the next time it happens.
There is another thread going on where myinsurebiz got out there and did something. I'm scratching my head at why he did it the way he did, but he learned something and made money doing it. He didn't sit here and study video after video and never try.
Sometimes that works the other way.. Sometimes familiarity breeds complacency and you make a mistake you would have never made as a rookie..
- 15,041
Sometimes that works the other way.. Sometimes familiarity breeds complacency and you make a mistake you would have never made as a rookie..
That is true, and that is why you don't stop learning. That is supposedly the reason we take CE, although sadly it is anything but at this point.
It still doesn't change the fact, you can't succeed if you never try. In my experience, the number of people held back because they didn't know enough going in is vastly dwarfed by the number that are held back because they never even started.
Once upon a time I took golf lessons. Had a decent drive and about the same from the fairway. Short game and putting needed some work.
Then I took my game to the course. Learned quite a bit about playing from the rough, traps (especially fairway traps) and how long to look for a ball in the woods before giving up and taking a penalty stroke.
Believe I shot a 90 on my first round.
Didn't do so well on the back 9.
Sometimes that works the other way.. Sometimes familiarity breeds complacency and you make a mistake you would have never made as a rookie..
True story: During AEP, I made the same exact mistake on 4 Anthem apps. For one dumb reason or another I had checked "Select Plan G" rather than "Plan G" on these 4 paper apps. Frankly, I was just trying to do things too quickly and I should have caught the mistake earlier (I didn't catch it until January after the policies had been issued).
Yes - 4. All of the other med supp apps with them, I checked the right box - but not on these 4.
I don't now how I didn't catch it - but I did not. It took moving heaven and earth and way too many calls to get that mistake changed. I gained at least 4 gray hairs.
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