Has Anyone Every Heard of Assurant Solutions??

[goillini52]

I just ran across one this week. It was just written. The lady hadn't had her first draft yet. She was pretty healthy so I don't know if the agent clean sheeted it not. She didn't have the policy yet. I put her with RNA and we did the phone interview. When we called to cancel the policy the person on the phone was quite helpful and didn't put up and fight to conserve.

But she did tell me that she had to do a phone interview. So if an agent is clean sheeting it then the client is in on it. Just because the agent may lie on the application doesn't mean the client has to also lie unless they are in on the lie.




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As I just responded, they have to do a phone interview. The agent is not solely to blame if the person just goes along with the farce.

I know, but my response was to a person asking what "clean sheeting" is.

 

[jdeasy]

I know, but my response was to a person asking what "clean sheeting" is.

I know what you meant. I was just talking in general. Agents do clean sheet all the time. I also replaced an LH this week that was clean sheeted. They can get by with it when there is no POS interview. They can get by with it when there is a POS interview too but the client is in on it then.

I recently ran across an AmCon that had been in force about 10 months. The lady was a smoker and we trying to replace the AmCon and another policy because she wanted more coverage. I was using RNA's fully underwritten because she wanted about $45000 coverage, {$15000 for each of 3 kids}. 79 years old.

Looking at the AmCon it was non tobacco. I asked her if she had just started smoking and she said she had smoked all her life. She said she told the other agent she was a smoker. I reminded her that she had to do a phone interview and she would have had to have told the interviewer that she was a non smoker or the policy would not have been issued. She said he just old her to say "no" to everything. I said, "so he told you to lie about smoking and you went along with it?". She said she didn't remember them asking.

Then she went on a tangent about that other agent lying. I told her we neded to correct that but we should wait and see what the outcome was on her RNA app. If she was approved there then the AmCon app was a non issue because we were replacing it.

She was declined by RNA. When I went back to tell her that and remind her that we needed to fix the AmCon situation she said she would just let it ride and didn't want me to get involved with it further.

That told me that she was in on the lie from the start. She was more than willing to blame the agent when she thought she might get a refund but when it came to paying an $30 month for the coverage she was comfortable with the lie.

Newby ran across one of mine last year where the person could not get immediate coverage now. She did have an immediate coverage with me that she had gotten a few years before. Newby asked her is she had the copd then. She said she did and told me about it.

When they went outside the husband confessed to Newby that they did not tell me because they knew she couldn't get covered if they told the truth.

The clients and the companies will dump on the agent first. other agents should not be so quick to judge.