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So, I decided to work a few internet leads this evening...
I call the prospect and I'm told that I'm the 4028th person to call... She continues to go on and tells me she's decided on a Humana plan. That's fine, but she continues to engage me, and I get into health qualification.
Turns out this lady takes a very expensive medication for an insurable (maybe) mental/nervous disorder, but the meds/office visits of course will not be covered on a new indy plan.
I tell the lady this, and she tells me that NONE of the other agents she's talked to have mentioned anything like this. She claimed one told her he's been in the business for 13 years! She told me she went through the same medical history with everyone she's talked with! I was appalled!! The lady has a $250 deductible group plan that pays her meds, copay at doctor, copay for ER, ect.... about $500/mo and this lady is in her 50's...
Of course, I explain in more detail why the condition will likely not be covered and that many carriers in TX don't cover mental/nervous.. period! She decides that it's best to stay where she's at given the cost of the drugs and the semi-annual testing that she has...
Anyway, I got an application on her child... nothing big, but it feels great that I truly helped this lady which brings me to my point...
Why would an agent try to sell a policy that will be canceled, best-case? We're not even talking about the type of legal liability the agent has telling an applicant such a bold misrepresentation...
The best I can figure is these are call-center agents incented per application... No wonder new agents fail working internet leads going up against scum like this that will say anything to make a sale.
I call the prospect and I'm told that I'm the 4028th person to call... She continues to go on and tells me she's decided on a Humana plan. That's fine, but she continues to engage me, and I get into health qualification.
Turns out this lady takes a very expensive medication for an insurable (maybe) mental/nervous disorder, but the meds/office visits of course will not be covered on a new indy plan.
I tell the lady this, and she tells me that NONE of the other agents she's talked to have mentioned anything like this. She claimed one told her he's been in the business for 13 years! She told me she went through the same medical history with everyone she's talked with! I was appalled!! The lady has a $250 deductible group plan that pays her meds, copay at doctor, copay for ER, ect.... about $500/mo and this lady is in her 50's...
Of course, I explain in more detail why the condition will likely not be covered and that many carriers in TX don't cover mental/nervous.. period! She decides that it's best to stay where she's at given the cost of the drugs and the semi-annual testing that she has...
Anyway, I got an application on her child... nothing big, but it feels great that I truly helped this lady which brings me to my point...
Why would an agent try to sell a policy that will be canceled, best-case? We're not even talking about the type of legal liability the agent has telling an applicant such a bold misrepresentation...
The best I can figure is these are call-center agents incented per application... No wonder new agents fail working internet leads going up against scum like this that will say anything to make a sale.
