CVS Accendo or LBL for telesales

[jdeasy]

Great western?

He said "established"

 

[Baseball7]

I met their folks at the Medicare supplement conference so I know they have a new product coming out. That's the only reason I guess it was them.

 

[Baseball7]

New FE product from an established life insurance carrier launching in mid-March will take COPD Level Standard (not their preferred rates) and telesales friendly.

Could it be the zombie rebirth of GCU?

I would really appreciate it if they would pay me at some point in the next six months because they sure haven't since late last year.

 

[Ksutton]

I'm trying to decide if Accendo or LBL would be a better go to carrier for people with COPD. This would be for telesales btw.

I've heard that Aetna only issues about 2/3 instantly and that may be bad for telesales? I've also heard that LBL is bipolar with their underwriting. Which one do you think would serve better for this niche in telesales?

Listen - I sell over the phone - Aetna standard or LBL standard if they don't use tobacco.check
Their RX and do your best. LBL allows u to do voice sign (5min 3rd party phone call after your first app is done with full interview) over the phone and an instant approval on the spot. Aetna is an instant approval / decline or underwriting review (they typically review under a week). If they both fail go graded somewhere. Aetna is the easiest E app. LBL is great for telesales .

 

[Ksutton]

The answer is neither. Whomever told you that Aetna issues 2/3 instantly is either lying or an ***.

LBL is all over the place and after a 50 minute interview they will most likely decline.

No Wrong - you don't even sell over the phone.

Aetna can be a pain with the instant decision but they are great over the phone with the right process.

LBL can be a 5 minute voice signature then finish the e app and instant approval. Yeah their underwriting is fickle, this is final expense life insurance …. You know nothing is perfect..

none the less you still provide a ton of value on the forum, I don't mean to put down your knowledge at all.

 

[Ksutton]

If no O2, Smoking or Meds - go AmAm level.

How often does COPD come with no smoking or meds?

But yeah, good call, I guess it does happen.

 

[JRoot]

Great western?

Could it be the zombie rebirth of GCU?

Nope. The carrier doesn't have a FE product currently for distribution. I'd say, but I signed an NDA.

 

[Baseball7]

We will all be excited to see what it is I'm sure. And, if they took your input on it then we have more reason to be excited.

 

[Ksutton]

[

Nope. The carrier doesn't have a FE product currently for distribution. I'd say, but I signed an NDA.

This is great news. I'll say nothing until we see it roll out. Thanks for the heads up.

 

[jdeasy]

No Wrong - you don't even sell over the phone. Aetna can be a pain with t he instant decision but they are great over the phone with the right process.

LBL can be a 5 minute voice signature t n finish the e app instant approval. Yeah their underwriting is fickle, this is final expense life insurance …. You know nothing is perfect..

none the less you still provide a ton of value on the forum, I don't mean to put down your knowledge at all.

I've probably sold more over the phone than you have. So you're the one wrong.

I get it you're recruiting now and gone over to the dark side but you won't get a pass from me on the BS.

Aetna is one of the worst eApps out there. And they are in the 10% range on instant approval.

And LBL's interview takes 40 minutes on average. Even according to them. But their rates are too high anyway.

But even if I had not sold over the phone I still know the business. That comment is just the old song and dance routine from the telesales recruiters.