Decline for admin

[VolAgent]

If Foresters only uses Apptical thats to be expected. Im sure the interviewer marked the answer as "yes" and kept moving.

The problem is that this answer will be register with the MIB and could decline him for future insurance too.

I cant stand apptical, they are the absolute worse for POS interviews. EMSI or DIMA are much better.

I've always liked MRS, typically have great people. DIMA can be nice, but tend to get overwhelmed and you get non-interviewers picking up sometimes.

But yeah, you can never let an answer by a someone else go without being corrected. Even if it is the right answer, you still need the actual applicant to say it and make sure the interviewer recorded it correctly.

 

[goillini52]

Yeah, you really have to know your companies on that. I'm kind of surprised though, a good interviewer should have asked her to let him answer and then asked the question to him again. You probably should have jumped in to keep it on track.

I've had a guy answer 2 questions wrong with Aetna(ACI)and I jumped in and the interviewer asked the questions again. The guy sad he wasn't a smoker and I asked him what that was he was puffing on, and he said he'd had an amputaion caused by disease(he had all of his limbs).

 

[Chazm]

Yeah, you really have to know your companies on that. I'm kind of surprised though, a good interviewer should have asked her to let him answer and then asked the question to him again. You probably should have jumped in to keep it on track.



I thought Foresters only used Apptical?

Yeah it was Apptical. She asked the question and said, he must answer the question. I put my finger to my mouth to let her know not to answer.

Lesson learned. Next time I just won't put it on speaker.

But if an answer is marked, "yes", why did the interviewer tell me it was approved to submit as requested? Level.

 

[VolAgent]

Yeah it was Apptical. She asked the question and said, he must answer the question. I put my finger to my mouth to let her know not to answer.

Lesson learned. Next time I just won't put it on speaker.

But if an answer is marked, "yes", why did the interviewer tell me it was approved to submit as requested? Level.

Almost certainly done by the person reviewing the recording later.

 

[Chazm]

Almost certainly done by the person reviewing the recording later.

Do you think he won't be able to get a FE policy that isn't GI? Because of the decline?

If so, do you know who will not care

 

[VolAgent]

Do you think he won't be able to get a FE policy that isn't GI? Because of the decline?

If so, do you know who will not care

You haven't discussed his health and I forgot the face amount. But lots of companies don't care about declines and will offer at age 82. Aetna and Royal Neighbors quickly come to mind. There is also Mutual of Omaha, and Transamerica and I'm sure plenty more I didn't mention.

 

[Chazm]

You haven't discussed his health and I forgot the face amount. But lots of companies don't care about declines and will offer at age 82. Aetna and Royal Neighbors quickly come to mind. There is also Mutual of Omaha, and Transamerica and I'm sure plenty more I didn't mention.

Zero health issues. $55/month premium.

UoO seems to be popping up the cheapest here. Looks like I need to make a call and add their life product

 

[Baseball7]

Omaha takes serious haircut out of your compensation at that age, keep that in mind.

 

[HoosierLife]

Zero health issues. $55/month premium.

UoO seems to be popping up the cheapest here. Looks like I need to make a call and add their life product

Aren't you a Medicare agent? Omaha will start trying to sell other stuff to your prospects. Trans is one of the only ones that doesn't cut comp at that age.

I would do it before the MIB updates.

 

[DayTimer]

Aren't you a Medicare agent? Omaha will start trying to sell other stuff to your prospects. Trans is one of the only ones that doesn't cut comp at that age.

I would do it before the MIB updates.

There is a marketing opt out form that comes with the policy. When selling MOO, I have learned from others that the agent should make a point to deliver the policies, or if not able to deliver, then make it a point to come by and have the client sign the marketing opt-out form. In PA, we have to get the policy receipt signed, so I just have them sign both and send them back to MOO together. The only problem I have is that MOO sends the policy directly to the client, so I have two out there where I have not been able to get the client on the phone or find them at home in order to have them sign the receipt or the opt-out form.