Don't Trust 5 Star Approvals

[Todd King]

To me it's less a matter of why that changing rules in mid stream. If you decline it or change to graded upfront then fine, I can deal with it. But to change a decision once given is way over the line.

As for you being his upline, I didn't know nor care. The story on here was that his upline wasn't even going to make a call. That's unacceptable. Why even have an upline if they are nothing but a contract carrier?

I thought I explained that very well and clear. The orignal question asked of me, by the agent, was "why" the client was turned down.

Now, I will go on to say that I do agree I should call (or better yet, should have called) to find out why they say one thing and do another. That, I will find out.

 

[Newby]

This is the first I've heard of any 5-Star policies being issued graded when the phone interviewer approved them as level.

I will find out if there has been a change in the way they do business. It has always been that the phone interviewer giving a point of sale approval.

Obviously the problem is the person takes Sertraline. This is a depression medication which is always graded with 5-Star. She should never have been approved as level. But the agent should have known not to put this application with 5-Star since they don't take depression meds at level benefit.

5-Star management has been saying for several months that they will start doing script checks by this fall. It is October so it's to be expected that Meds need to be carefully reviewed before you write an app with them.

The only surprising part is that the phone interviewer approved it as level and then it was changed after the fact. I was under the impression that the phone interviewers would be looking at the script check as they spoke with the applicant.

 

[jdeasy]

I thought I explained that very well and clear. The orignal question asked of me, by the agent, was "why" the client was turned down.

Now, I will go on to say that I do agree I should call (or better yet, should have called) to find out why they say one thing and do another. That, I will find out.

I thought I explained that well and clear too. When I said he needed a new upline it was when the story was that his upline wasn't doing anything.

Now these upline types are making an issue over why it's graded and blaming the agent. Well screw that attitude!!

It's either a decision at POS or it's not. Why make excuse for the company that pulls this crap??

Why should the agents have to take a stand on their own? What the hell do we even need an upline for if they can't help with problems that agents face in the field?

 

[Todd King]

I thought I explained that well and clear too. When I said he needed a new upline it was when the story was that his upline wasn't doing anything.

Now these upline types are making an issue over why it's graded and blaming the agent. Well screw that attitude!!

It's either a decision at POS or it's not. Why make excuse for the company that pulls this crap??

Why should the agents have to take a stand on their own? What the hell do we even need an upline for if they can't help with problems that agents face in the field?

I never blamed the agent. I simply said that I couldn't do what the agent asked me to do. I still can't. I CAN find out why the descision was turned around though.

 

[Funguy]

Hey guys

Which are some carriers you recommend which have "point of sale approval"?


Funguy

 

[jdeasy]

I never blamed the agent. I simply said that I couldn't do what the agent asked me to do. I still can't. I CAN find out why the descision was turned around though.

I replied to you but all of that wasn't neccessarily aimed at you. You were not the only upline to respond in this thread.

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Hey guys

Which are some carriers you recommend which have "point of sale approval"?


Funguy

5 Star is supposed to. Settlers is supposed to. RNA is supposed to. Foresters is supposed to.

I know every one of these has changed the outcome of a POS decision after the fact. How can we trust any of them?

 

[Todd King]

5 Star is supposed to. Settlers is supposed to. RNA is supposed to. Foresters is supposed to.

I know every one of these has changed the outcome of a POS decision after the fact. How can we trust any of them?

I'm very surprised to hear that about RNA. I know you've written a ton of apps for them, but they always told me that they had a glitch in the system once where a they couldn't look up the scripts but the POS interviewer approved it anyway. They told me they honored the decision and always would. I've never had them do that to any of my agents that I know of, so I've not had to test the system.

Foresters...yep, seen them do that several times!

 

[jdeasy]

I'm very surprised to hear that about RNA. I know you've written a ton of apps for them, but they always told me that they had a glitch in the system once where a they couldn't look up the scripts but the POS interviewer approved it anyway. They told me they honored the decision and always would. I've never had them do that to any of my agents that I know of, so I've not had to test the system.

Foresters...yep, seen them do that several times!

It never happened to me with RNA but it did happen with some agents under Travis. he was always able to get it fixed and the POS decision was honored. I think it even happened to newby and Travis was able to get it fixed but I'm pretty sure Newby had already placed the person elsewhere.

 

[goillini52]

Hey guys

Which are some carriers you recommend which have "point of sale approval"?


Funguy

Oxford Life has it and they give a policy #.

 

[John Galt]

This is the first I've heard of any 5-Star policies being issued graded when the phone interviewer approved them as level.

I will find out if there has been a change in the way they do business. It has always been that the phone interviewer giving a point of sale approval.

Obviously the problem is the person takes Sertraline. This is a depression medication which is always graded with 5-Star. She should never have been approved as level. But the agent should have known not to put this application with 5-Star since they don't take depression meds at level benefit.

5-Star management has been saying for several months that they will start doing script checks by this fall. It is October so it's to be expected that Meds need to be carefully reviewed before you write an app with them.

The only surprising part is that the phone interviewer approved it as level and then it was changed after the fact. I was under the impression that the phone interviewers would be looking at the script check as they spoke with the applicant.

Well that's just great, first I've heard of this. I've replaced around 3 policies so far with them. I submitted 4 last week, only one has come through as active. So help me if they screw my clients after being told approved then I take the time to have them send a certified cancellation letter to the current company, I'm gonna pull my f'ng hair out. Foresters would pull crap on the pos and give some people graded when I knew damn good and well they should have been level. It was always a scripts check screwup on their part. They NEVER recovered that business, I simply placed the client with another carrier at level coverage.

I was told they only check mib, now I find out they are gonna do rx checks, great. I'm so sick and tired of half arsed IMO,s not knowing their own product. You guys here are great, I have to go completely Indy soon or I'm gonna go mad