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As far as what I've been told, any agent under me can sell entirely over the phone. If there is a replacement, then the replacement form will need to be signed. I will re-verify this because when it was discussed I was not aware that there was any controversy to that.
There is another concession that the company made for us on something we saw as a problem. I don't think that part is the same for all channels.
I still need to familiarize myself with the product more. I don't know where it will fit with other FE products yet but for telesales (if allowed) it should be good to have.
Yes.. I agree. Should be good to have. If doing Telesales...I would recommend having all of them. It's still "new" but they all seem to change this and that for better or worse so it's good to have them regardless. The name alone with ING will be a good source for selling clients.