I use a 'cheat sheet' in the front of each carrier's section in my presentation book. I try to cover all of the more common questions on it, such as diab., look backs for stroke and heart attacks, some info about when to go graded, etc. POS phone numbers, my agent number, and sales info about the company itself. It's not as convenient as a spread sheet, but it's not as awkward as having to go into each ap to check requirements when my client has health issues.
Different Insurance Carriers Spreadsheet
- Thread starter bookshl
- Start date
So doctors who use the PDR or attorneys who use Westlaw are not professionals?
- 19,650
very few attorneys use westlaw. thier legal aids use it so they can charge higher fees as para legals. so yes they are not professional. LOL.
I'm not the one who came up with it, I just responded to it.
Seriously JD, from the inception of this thread your position regarding the use of a spread sheet or a reference guide has been a bit condescending to those who value and use such tools to assist us with our work.
Many of us, including myself use this forum to gather industry knowledge. I have bookmarked many threads and saved many items I have picked up from my time here. I guess in a sense you could call this forum a professional reference resource.
It's fine if you have no need for reference material, or an Easy Button as you call it, but to suggest that those who are not at your level of product knowledge are less than professional is wrong in my book.
- 2,455
My marketer at Brokers Alliance uses a spreadsheet for the different carriers. As a matter of fact if I'm not mistaken, all the marketers have one and it is updated regularly. How often they each use it (including mine) I couldn't tell ya. I did ask for a copy of it though and was told no unfortunately.
So who are these legal aids and paralegals doing this legal research for? Despite who is actually doing the leg work, ultimately it's the attorney who uses and benefits from the material.
- 2,455
I'd have to agree and it is nothing against you JD. You are one of the most helpful agents on this forum. It's just different strokes for different folks.
Perhaps you keep a ledger of how much money you have in your checking account or maybe your wife does. Myself, I have no need for one since I pretty much know off the top of my head how much dinero is in there. It's usually next to nothing so it is pretty easy but that is beside the point.
I also have no need for a watch since at any given moment you can ask me what time it is and I'm usually within 15 minutes if not a lot less but I think it has something to do with my defective Hypothalamus. I wear a watch because I feel naked without one. Oh and it is shiny too. I'm like a Baracuda when it comes to shiny stuff which is odd since even though I've been in some Puerto Ricans I have no Puerto Rican in me.
Excellent point. In fact, it could be argued that not using such a reference when it is readily available is irresponsible and possibly grounds for a negligence lawsuit.
Think about it for a moment. An agent sells a graded or modified policy when the insured could have qualified for a level benefit and a short claim occurs. Family is pissed and consults an attorney who God forbid consults Westlaw
- 2,455
Exactly. I wouldn't trust a spreadsheet done by the attorney anyway. It would just be all lies and you'd have to be an attorney to understand it anyway which is why the paralegals probably do it LOL
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