IMO Wants Me to Send Apps to them

[Agentguy5]

It's definitely ripe for abuse. Most FMOs would never do that. But some would.

EFES definitely will give a new agent Lapsed clients.... They gave me some...

 

[TPAAgent]

I know Securus required it- And I doubt it was to "scrub the app"

Especially when they have a cover letter where you have to fill out the clients name, address, SS#, face amount, prem, spouses name etc...

I would'nt give them any of my clients info

Don't trust them- they'll walk in a couple years later or try and sell your list off

If I pay for the lead.. it's mine..

 

[WinoBlues]

Do the agencies believe they are their clients or the agent's?

Even when the agent leaves the agency?

 

[jdeasy]

Do the agencies believe they are their clients or the agent's?

Even when the agent leaves the agency?

Do you think for one second that the IMO's can't get a copy of the application even if you send it direct to the company?

The companies say they are their clients, not the agent's. The companies will steamroll the agent in a heartbeat. As will the IMO.

Shat rolls downhill. I know exactly where the agent is on that hill. And so do you.

 

[WinoBlues]

Do you think for one second that the IMO's can't get a copy of the application even if you send it direct to the company?

The companies say they are their clients, not the agent's. The companies will steamroll the agent in a heartbeat. As will the IMO.

Shat rolls downhill. I know exactly where the agent is on that hill. And so do you.

I agree, another reason I have my contracts spread around several outlets.

On IMO's being able to get all the apps. Yeah I would guess they or one of their employees could. I do not have to drop my pants and bend over to make it easy for them. Just not in my nature.

As Newby said not all agents want or need the extra hands on their business. I do have some outlets that require it like Crump and I do it. I just sent in a few test apps to EZLife so I do do it in some cases. But if I have a choice I mostly don't. Especially on FE apps. FE apps are so easy and there really is nothing to case manage so I do not see the need.

Serious question, you and Travis just left EFES. You both are app writing beast. Who controls the families policies you wrote?

Your way, like my way, are not the only way. Or even the correct way. IMHO.

 

[GAJ638]

My vest is bigger than their vest. That and it is not their client. Only I and the insurance company need the client info.[/QUOTE

Also the Imo may have 200 cases pending while I may have 4. My 4 are a lot more important to me for follow up then it is to the Imo. My 4 may be a the bottom of their follow up list.
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[donamese]

Also the Imo may have 200 cases pending while I may have 4. My 4 are a lot more important to me for follow up then it is to the Imo. My 4 may be a the bottom of their follow up list.

This is true, but an agent also has appointments and lead generation to do....none of which gets done while on the phone with a carrier following up on submitted business. Each has its advantages and disadvantages, just depends on who you are working with and are they actually working for you.

 

[VolAgent]

Also the Imo may have 200 cases pending while I may have 4. My 4 are a lot more important to me for follow up then it is to the Imo. My 4 may be a the bottom of their follow up list.
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Then don't send in NGO apps. The IMOs aren't doing this because they need busy work. They are doing this because they are tired of sloppy agents sending in sloppy apps that get held up in pending. They are trying to help agents get paid faster by scrubbing the app. Also, the carrier is still going to post the info online about what is pending. You can always call just like now.

Just thinking of one in particular where I am trying to help someone out. I told an agent explicitly not to do something on an app, 5 seconds later he faxes over an app he just worked on and did exactly what I told him not to do.

That app would have gotten held up at the carrier, but I just made him fix it and now he won't have a problem.

 

[TDFnCali]

Then don't send in NGO apps. The IMOs aren't doing this because they need busy work. They are doing this because they are tired of sloppy agents sending in sloppy apps that get held up in pending. They are trying to help agents get paid faster by scrubbing the app. Also, the carrier is still going to post the info online about what is pending. You can always call just like now.

Just thinking of one in particular where I am trying to help someone out. I told an agent explicitly not to do something on an app, 5 seconds later he faxes over an app he just worked on and did exactly what I told him not to do.

That app would have gotten held up at the carrier, but I just made him fix it and now he won't have a problem.

Rick cant help himself!

 

[VolAgent]

Rick cant help himself!

Nope.

Rick would first have to write an app.