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Ok, I will apologize up front for venting, or whining, whatever the case may be. But, I am so frustrated with Foresters that I hope I never come across the same circumstances as this case. I never want to submit an app to them again!
Almost two weeks ago, I submitted an app on a client that would only fit into Foresters underwriting criteria. None of the other carriers I have in my bag would approve this lady for level coverage. The client was insistent on writing a check for the first premium payment, with all subsequent payments being auto draft from her checking account. Since the first payment was by check, I had to snail mail the app to Foresters in Buffalo.
On Monday, 7/22, I received an email from Foresters telling me that I failed to include the "Producer certification of sales" form in the app. For those of you that don't know, this is required whenever replacing a policy with Foresters, in this case Colonial Penn. I know I sent it in, as I triple checked everything, and specifically remember placing this form in the envelope, along with the rest of the app. Ok, no big deal, Foresters is a huge company, right? I'm sure I'm not the first, nor last, agent to have a form turn up missing.
So, as requested, first thing Tuesday morning, I fax them a copy of the form. On Tuesday night, I receive another email from Foresters, telling me that they only received the cover letter of my fax, and I needed to re-fax the stupid form. So, first thing Wednesday morning, I call new business. I spoke to a nice young man, and gave him the exact date, time, and fax # that I had faxed the form to. He does some research and, low and behold, he finds the form. He informs me all is good, and the app will be moved forward for "replacement review". I am thinking, "ok, cool', this had become a little bit of a PITA, but things are good now"
Well, tonight, I receive another email from Foresters. This time, I am informed that the form they received was "black, and half of the page has been cut off".
Once again, I will call them in the morning. But, I am about ready to call my client and tell her to just keep Colonial Penn, and tell Foresters to shove it where the sun doesn't shine. Although, I was able to save her money, and get her a higher DB with Foresters, I am actually starting to think I may have done her a disservice. This was my first submission to Foresters and, based on the experience so far, I am starting to think she would just be better off sticking with Colonial Penn. If I can help it, I will never write another policy with Foresters.
Thanks for allowing me to vent
Almost two weeks ago, I submitted an app on a client that would only fit into Foresters underwriting criteria. None of the other carriers I have in my bag would approve this lady for level coverage. The client was insistent on writing a check for the first premium payment, with all subsequent payments being auto draft from her checking account. Since the first payment was by check, I had to snail mail the app to Foresters in Buffalo.
On Monday, 7/22, I received an email from Foresters telling me that I failed to include the "Producer certification of sales" form in the app. For those of you that don't know, this is required whenever replacing a policy with Foresters, in this case Colonial Penn. I know I sent it in, as I triple checked everything, and specifically remember placing this form in the envelope, along with the rest of the app. Ok, no big deal, Foresters is a huge company, right? I'm sure I'm not the first, nor last, agent to have a form turn up missing.
So, as requested, first thing Tuesday morning, I fax them a copy of the form. On Tuesday night, I receive another email from Foresters, telling me that they only received the cover letter of my fax, and I needed to re-fax the stupid form. So, first thing Wednesday morning, I call new business. I spoke to a nice young man, and gave him the exact date, time, and fax # that I had faxed the form to. He does some research and, low and behold, he finds the form. He informs me all is good, and the app will be moved forward for "replacement review". I am thinking, "ok, cool', this had become a little bit of a PITA, but things are good now"
Well, tonight, I receive another email from Foresters. This time, I am informed that the form they received was "black, and half of the page has been cut off".
Once again, I will call them in the morning. But, I am about ready to call my client and tell her to just keep Colonial Penn, and tell Foresters to shove it where the sun doesn't shine. Although, I was able to save her money, and get her a higher DB with Foresters, I am actually starting to think I may have done her a disservice. This was my first submission to Foresters and, based on the experience so far, I am starting to think she would just be better off sticking with Colonial Penn. If I can help it, I will never write another policy with Foresters.
Thanks for allowing me to vent
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