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Very screwy. The stories I could tell! I wrote a couple, they both were approved at level (planright FE). They decided they didn't like the way she responded to the ADL question, AFTER apptical had already approved it. I guess they have case expeditors that listen to the interviews?
She said no, but hesitated at first because she didn't understand the question. Anyway, they said in an email which I still have, they were cancellation her policy (even though it was already issued), and if I got a letter from her dr they would reactivate it.
I obtained the letter, which was perfect and her PCP stated she needs no assistance. Hell I wrote her at a local Hardees resteraunt and she drove herself there and walked in.
What does Foresters do? Lose the letter, FOUR TIMES, I kept refaxing and calling and they would say they didn't get it. Then they acknowledged receipt of it, so I assumed all was well. Then I go online one morning to check my commissions a week or so later, and they had debited my commissions $900 (her 9 mth advance).
So I call my FMO and have them investigate. Of course the idiots up there never reinstated her draft (I didn't realize they had suspended it), and after 30 days her policy reverted to a lapse/NTO. Was I ever pissed!
To their credit, after many emails/phone calls from myself and my IMO, they reinstated my commissions and her policy, granted her two months premium for free and said they would start drafting in a month.
But the hell I went through to get that handled!
There are several others I could give you that are similar. Why do I continue to write for them? Because of the POS approval, high commissions and low rates. Even with the latest rate increase, they are still in the ballpark of the other low carriers. Plus I have had good results with their claims, every contestable claim they have had filed on cases I've submitted they have honored, including a $20,000 one that was only in force 12 mths. They didn't even ask for an agents statement or order records. Guess I've just been lucky. I have about 350 or so on the books with them.
She said no, but hesitated at first because she didn't understand the question. Anyway, they said in an email which I still have, they were cancellation her policy (even though it was already issued), and if I got a letter from her dr they would reactivate it.
I obtained the letter, which was perfect and her PCP stated she needs no assistance. Hell I wrote her at a local Hardees resteraunt and she drove herself there and walked in.
What does Foresters do? Lose the letter, FOUR TIMES, I kept refaxing and calling and they would say they didn't get it. Then they acknowledged receipt of it, so I assumed all was well. Then I go online one morning to check my commissions a week or so later, and they had debited my commissions $900 (her 9 mth advance).
So I call my FMO and have them investigate. Of course the idiots up there never reinstated her draft (I didn't realize they had suspended it), and after 30 days her policy reverted to a lapse/NTO. Was I ever pissed!
To their credit, after many emails/phone calls from myself and my IMO, they reinstated my commissions and her policy, granted her two months premium for free and said they would start drafting in a month.
But the hell I went through to get that handled!
There are several others I could give you that are similar. Why do I continue to write for them? Because of the POS approval, high commissions and low rates. Even with the latest rate increase, they are still in the ballpark of the other low carriers. Plus I have had good results with their claims, every contestable claim they have had filed on cases I've submitted they have honored, including a $20,000 one that was only in force 12 mths. They didn't even ask for an agents statement or order records. Guess I've just been lucky. I have about 350 or so on the books with them.